U.S. CENTURY BANK

MIAMI, FL | Large | Est. Oct. 28, 2002, midnight | FDIC #57369 | RSSD #3146150 | FDIC
Latest Report: 2025-12-31

U.S. CENTURY BANK is aln large FDIC-insured commercial bank headquartered in MIAMI, FL, established in Oct. 28, 2002, midnight. As of 2025-12-31, the bank reported total assets of $2.8B and total deposits of $2.4B. Profitability stands at 0.38% ROA and 4.38% ROE, with a net interest margin of 3.60%. The bank's CET1 capital ratio is 12.47%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.14% and a Texas Ratio of 1.15%. FDIC Certificate #57369.

Assets

$2.8B

Deposits

$2.4B

Loans

$2.2B

Equity

$248M

Profitability

Return on Assets (ROA) 0.38%
Return on Equity (ROE) 4.38%
Net Interest Margin (NIM) 3.60%
Yield on Assets 5.89%
Cost of Funds 3.05%

Asset Quality

NPL Ratio 0.14%
Net Charge-Off Ratio 0.03%
Texas Ratio 1.15%
NPA Ratio 0.11%
ACL / Loans 1.16%

Capital & Liquidity

CET1 Ratio 12.47%
Tier 1 Capital 12.47%
Total Capital Ratio 13.67%
Leverage Ratio 9.65%
Loan-to-Deposit 92.77%

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