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Central Florida State Bank

Central Florida State Bank, with the ticker symbol CEFB, is a publicly traded company listed on the NASDAQ stock exchange. The bank is a full-service commercial bank based in Winter Haven, Florida, providing a range of financial services to individuals, businesses, and government entities in Central Florida.

In terms of earnings, Central Florida State Bank reported net income of $3.2 million for the full year 2021, representing a significant increase from the $1.2 million in net income recorded in 2020. The bank's earnings per share (EPS) for 2021 was $1.11, up from $0.44 in 2020.

As for growth, Central Florida State Bank has seen steady growth in total assets, loans, and deposits in recent years. As of December 31, 2021, the bank's total assets stood at $933.5 million, up from $791.1 million at the end of 2020. Loans outstanding grew to $691.0 million in 2021, up from $613.4 million in the prior year, while deposits increased to $773.5 million in 2021, compared to $687.2 million in 2020.

To give some context, the bank's return on assets (ROA) for 2021 was 0.35%, up from 0.16% in 2020. Return on equity (ROE) for 2021 was 8.14%, compared to 4.03% in the previous year. These ratios suggest that the bank's profitability has improved in recent years.

It's also worth noting that Central Florida State Bank has a strong capital position, with a total risk-based capital ratio of 14.73% as of December 31, 2021. This is well above the regulatory minimum of 10% and indicates that the bank has a strong cushion to absorb any potential losses.

Overall, Central Florida State Bank appears to be a well-capitalized and profitable bank, with a solid track record of growth in recent years. However, as with any investment, it's important to conduct your own research and due diligence before making any investment decisions.