We love Winter Haven! We are honored to be part of this rapidly growing city. Our local team is engaged in the community every day—read about them and feel free to say hello.


BO BOYTE | Commercial Relationship Manager

Bo Boyte has lived in Polk County for 49 years. As a Commercial Relationship Manager, Bo says, "I love matching local business with the right bank and seeing them succeed in the process."

Bo is active in the community, serving as Chair of the Polk State College Foundation Development, Treasurer of the Winter Haven Rotary Club, and on the Givewell Community Foundation Board.


NICOLE IRBY | Commercial Relationship Manager

Nicole Irby is a Florida Native, and has lived in Winter Haven for over 14 years. She loves hearing business owners' stories. "Many clients are living the 'American Dream' and it’s exciting to hear how they have grown to where they are today," she says. "It's inspiring to provide banking solutions in order to help turn their dreams into a reality." 

Nicole is the incoming Chairperson of the Winter Haven Economic Development Council, after being involved on the Executive Board for over 10 years. "I’m very proud of the direction our community is going, and all that lies ahead. It is so nice to be able to live, work and play here in Winter Haven!"


CARMAN RICH | Professional Relationship Manager

As the Winter Haven team's Professional Relationship Manager, Carman Rich works one-on-one with clients looking to understand and manage their banking needs. "I love truly being local, involved in the community, and helping clients with their financial needs, ultimately seeing their growth," she says.

After living in Winter Haven for 23 years, Carman advocates for her community. She is currently the president of Girls Inc. Winter Haven, and past president and Board Member at Main Street Winter Haven.


POLLY DANIELS | Community Support Specialist

When you walk into our new office, Polly Daniels the first face you'll see! She has been working in banking for 15 years and has called Winter Haven "home" her whole life. Polly says, "My favorite part of working at the bank is serving our clients as a Support Specialist, and being part of a team that make me feel like I have a voice."


MARY PENA | Professional Support Specialist

As a Professional Support Specialist, Mary Pena works closely with our Relationship Managers to provide exceptional client service to our Professional Banking clients. She has over 20 years of banking experience and she enjoys helping assist her clients with their everyday needs.


MICHELE HARDCASTLE | Commercial Support Specialist

Michele Hardcastle has lived in Polk County since 2004. She's been in banking for 35 years, and has worked on our team for 5. "I love working at Bank of Central Florida because we look for reasons to say 'Yes' to clients, and we can get creative when needed," Michele says. "We treat clients as people and not numbers."