U. S. Century Bank
Doral, Florida, Miami-Dade County
$3.0B in total assets, the 436th largest of 4,309 US banks and 16th of 84 headquartered in Florida.
- FDIC certificate
- 57369
- Established
- 2002
- Owned by
- Uscb Financial Holdings Inc
- Primary regulator
- FDIC
- Website
- www.uscentury.com
At a glance
Compared with 24 banks headquartered in Florida with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.0B | 67% | $2.2B | |
| Loans | $2.3B | 79% | $1.4B | |
| Deposits | $2.5B | 67% | $1.9B | |
| Return on assets | 1.21% | 42% | 1.24% | |
| Net interest margin | 3.49% | 33% | 3.54% | |
| Efficiency ratio | 45.8% | 8% | 58.6% | |
| Equity to assets | 8.74% | 21% | 9.70% | |
| Loans to deposits | 94% | 83% | 76% |
Growth
Total assets grew 12.6% a year over the last 5 years and 13.0% a year over 10 years, without acquisitions.
Where they operate
10 branches in 2 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Miami-dade County, FL | $2.4B | 1.1% | 20 of 58 |
| Broward County, FL | $127M | 0.2% | 32 of 43 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 8 branches since 2016 (18 to 10, −44.4%). 1 opened, 0 acquired, 9 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 18 | |||
| 2016 | Opened Coral GablesClosed 4 in Florida | 1 | 4 | −3 | 15 |
| 2017 | Closed Hialeah and Miami | 0 | 2 | −2 | 13 |
| 2018 | Closed Coral Gables and Miami | 0 | 2 | −2 | 11 |
| 2021 | Closed Hialeah | 0 | 1 | −1 | 10 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 41% | 36% | |
| 1-4 family residential | 15% | 29% | |
| Multifamily | 14% | 4% | |
| Business (C&I) | 13% | 17% | |
| Consumer | 9% | 4% | |
| Construction and land | 2% | 5% | |
| Other | 7% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 52% | 54% | |
| Noninterest-bearing | 26% | 24% | |
| Time deposits | 21% | 21% |
Brokered deposits are 7.7% of deposits (peers 5.4%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.09% | 0.32% |
| Net charge-offs, annualized | 0.03% | 0.04% |
| Reserves to loans | 1.15% | 1.20% |
| Leverage ratio | 9.97% | 10.03% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Florida
Largest competitors in Miami-dade County, FL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/u-s-century