CenterState Bank

Our business structure is designed to value the unique character of the communities we serve and to encourage decision making by the banker that is closest to the action. We approach business decisions with an emphasis on long term growth, sustainable profits and the career development of our officers and staff. We will not sacrifice credit quality for short term gain. We will exceed our clients' expectations by anticipating their needs and responding with a sense of urgency. Each of us has the freedom, authority and responsibility to do the right thing for our clients. Our bank is built on life-long friendships. We communicate with candor and transparency. We believe that the relationship is more valuable than the transaction. Commitment to our faith and families is fundamental to the overall culture of our institution.

CenterState Bank's history of quality service and community focus started in the early 1990's when a group of individuals came together around the belief that local ownership and local management would translate into a better bank. Through their vision and investment, a bank was born - a community bank headquartered right here in Polk County: First National Bank of Polk County. Several years later, another bank came into being with its first office in Winter Haven: CenterState Bank, built upon the same core values. In January of 2006, First National and CenterState merged to become CenterState Bank of Florida, with over $400 million in assets and a banking center network of 12 offices conveniently located throughout Polk County. In August of 2008, CenterState Bank acquired a Correspondent Banking division located in Birmingham, AL. This enables CenterState Bank to be used by other banks for their lending and investing needs. Most recently, in January of 2009, CenterState Bank welcomed Ocala National Bank into our family with 4 offices in Marion County. These latest additions combined with the steady growth of the Polk branches bring the asset total to approximately $800 million. CenterState Bank offers a full array of quality services to meet all of its customers' banking needs, including online banking, commercial lending, residential mortgages and investment services. Despite the exponential growth of the organization, there are some things that haven't changed. The ideas on which CenterState was founded - local ownership and decision-making, a commitment to Polk (and now Marion) County and its citizens, and the very best customer service around - are still the heartbeat of CenterState Bank. At CenterState, every loan decision is made locally and every telephone call is answered by a friendly and knowledgeable banker not by a computerized phone menu. We are committed to ensuring that Quality Shines Through.