CenterState Bank

Overview / Commentary
1101 First Street South
Winter Haven, FL 33880

CenterState Bank is headquartered in Winter Haven and is the 5th largest bank in the state of Florida. It is also the 121st largest bank in the nation. It was established in 1992 and as of March of 2019, it had grown to 2,091 employees at 134 locations. CenterState Bank has an A+ health rating.

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GREAT Bank And Fantastic People

Posted by: sfsmith1 | Apr 20, 2019

I've been with this bank long before it became Center State, back when it was Ocala national. No hidden fees and its great for us older seniors with their no fee programs.

Convenient and supportive

Posted by: April14 | Nov 10, 2016

I've been banking at Center State for about three years now. What initially drew me in were the free ATM transactions at Publix (a local grocery store). Since there is a Publix seemingly on every corner, free ATM transactions are plentiful. This was always a problem with my old bank, since you can get charged upwards of $6 simply for taking out money. They have a decent mobile banking app, although sometimes it freezes on me and I have to restart it. The closest branch is about 10 minutes from me, so it's fairly convenient. When I do have to go into a branch, I'm always very happy with the customer service. I think that's a benefit from banking locally - you aren't "just a number" (at least not usually). What I really like is their knowledge on the housing market and mortgage loans and stuff like that. We're buying our first home soon, and recently inquired about rates, etc. I like this bank because since they're based here i Florida, and Florida has a somewhat unique housing situation as well as premiums for hurricanes, etc., they know all the ins and outs of buying and financing a home here. I think a national bank would take too broad of an approach to home buying in FL. I do think this bank is worth a try.

CenterState Bank - Like a Hometown Bank

I started with this bank over two years ago, the customer service is amazing. They are always smiling and willing to help with any financial problems that you might have. They offer a $500 leeway for any transactions coming through in case you do not calculate properly or have something come out that you were unaware of. They are always just a phone call away and if your account needs some TLC they actually call you and let you know if there is something to do to bring it back up.

This Bank Is No Different Than The Others I Left

I will soon be switching all my business and personal accounts to a credit union. These banks will take your money but when you need their help they turn the other way. We are highly successful but they do not care. I encourage all looking for institutions who care about their business and personal accounts to put their money with credit unions. They seem to care much more than these big banks. I thought CenterState Bank would be different than Wells Fargo. They both suck.



Health Grade Components

FDIC Certificate #33555
Year Established1992
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.47%
Return on Equity - YTD9%
Annual Interest Income$132.9MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$12.58B$10.36B
LoansQ1 2019vs Q1 2018$8.36B$6.87B
DepositsQ1 2019vs Q1 2018$9.75B$8.12B
Equity CapitalQ1 2019vs Q1 2018$2.06B$1.55B
Loan Loss AllowanceQ1 2019vs Q1 2018$40.0MM$34.4MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$43.0MM$41.3MM
Real Estate OwnedQ1 2019vs Q1 2018$6.0MM$6.8MM

Sorry, we do not have rate data for CenterState Bank.


Sorry, but we do not have location data for CenterState Bank. Its headquarters is located at 1101 First Street South - Winter Haven, FL 33880

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