U.S. Century Bank
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Data as of · sourced from FFIEC call reports. How we update
U.S. Century Bank is an FDIC-insured commercial bank headquartered in Miami, FL, established in 2002 (FDIC certificate 57369), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.02B, up 11.0% from Q2 2025, the 16th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 12.48% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57369
- Headquarters
- Miami, FL
- Established
- 2002
- Total assets, Q2 2026
- $3.02B
- Assets vs Q2 2025
- +11.0%
- CET1 ratio, Q2 2026
- 12.48%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 067015397
- Holding company
- USCB FINANCIAL HOLDINGS, INC.
- Asset rank in state
- 16th of 81 in Florida
U.S. Century Bank, based in Miami, Florida, reported $3.0 billion in assets at June 30, 2026, up 11.0% from a year earlier. It holds about half of its deposits (54%) above the FDIC insurance limit, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). It also holds commercial real estate loans worth 3.5 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
Net income for the quarter rose 19% from a year earlier, to $10 million. Over the same year, loans grew 9.9% and deposits grew 5.3%.
As of June 30, 2026, U.S. Century Bank reported a CET1 capital ratio of 12.48%, a return on assets of 1.43%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.74%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, U.S. Century Bank is the 16th largest of the 81 banks headquartered in Florida. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 6.1% to $3.02B, loans rose 3.6% and deposits fell 1.2%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 32.0% of total loans, ahead of 1-4 family residential loans at 14.7%. Its 10 offices in the FDIC Summary of Deposits are in 7 cities in FL; its Doral office books 54% of its branch deposits. On its Q2 2026 call report, U.S. Century Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2301 Nw 87th Ave, Miami, FL 33172
- County
- Miami-Dade
- Metro Area
- Miami-Fort Lauderdale-West Palm Beach, FL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 28, 2002
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 216
- Domestic deposits
- $2.48B
- Allowance for credit losses
- $26.7M
- Net charge-offs (YTD)
- $284K
- Average total assets
- $2.93B
- Average total loans
- $2.25B
- Average interest-bearing deposits
- $1.86B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 28, 2002
- FDIC Cert
- 57369
- Fed RSSD
- 3146150
- SEC CIK
- 1901637 → filed by USCB FINANCIAL HOLDINGS, INC.
- Website
- www.uscentury.com →
- Parent Holding Company
- USCB FINANCIAL HOLDINGS, INC. (RSSD 5681262) · USCB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| De La Aguilera Luis | CEO | President and CEO |
| Robert B. Anderson | CFO | EVP and CFO |
| Sergio E. Garrido | CCO | SVP, Chief Credit Officer |
| Maricarmen Logrono | CRO | EVP and Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, U.S. Century Bank's total assets ran between $2.24B (Q3 2023) and $3.02B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.02B total assets against $2.72B; $2.75B total liabilities against $2.49B.
$2.30B net loans and leases against $2.09B; $2.48B total deposits against $2.36B.
$469.0M securities against $444.1M; $118.2M cash and balances due against $54.8M.
$39.6M total interest income against $36.2M; $14.4M total interest expense against $15.1M.
$25.2M net interest income against $21.0M.
$3.8M total noninterest income against $3.5M; $13.1M total noninterest expense against $11.9M.
$1.3M provision for credit losses against $1.0M.
$10.5M net income against $8.8M.
1.43% return on assets against 1.30%; 3.56% net interest margin against 3.22%.
12.48% CET1 capital ratio against 12.45%; 9.97% tier 1 leverage ratio against 9.65%.
Inside the full U.S. Century Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
U.S. Century Bank rankings
Its closest position to the top of a national ranking is 62 of 980, for uninsured deposits; its furthest is 2,835 of 3,640, for Texas Ratio.
Metric pages for U.S. Century Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.38% (Q4 2025) to 1.54% (Q1 2026) and its net interest margin ran from 2.99% (Q3 2024) to 3.56% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.48% | 1.43% | 0.09% | 0.74% | 3.56% |
| Q1 2026 | 12.74% | 1.54% | 0.16% | 1.29% | 3.31% |
| Q4 2025 | 12.47% | 0.38% | 0.14% | 1.15% | 3.37% |
| Q3 2025 | 12.73% | 1.41% | 0.06% | 0.49% | 3.17% |
| Q2 2025 | 12.45% | 1.30% | 0.06% | 0.54% | 3.22% |
| Q1 2025 | 12.41% | 1.23% | 0.20% | 1.69% | 3.01% |
| Q4 2024 | 12.10% | 1.18% | 0.14% | 1.16% | 3.12% |
| Q3 2024 | 11.93% | 1.19% | 0.14% | 1.16% | 2.99% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| U. S. Century Bank | Doral , FL | 33172 | $1.34B |
| Coral Gables Branch | Coral Gables , FL | 33134 | $300.3M |
| Hollywood Branch | Hollywood , FL | 33021 | $127.1M |
| Aventura Branch | Aventura , FL | 33160 | $126.2M |
| Dadeland Branch | Miami , FL | 33143 | $117.3M |
| Miami Lakes Branch | Miami Lakes , FL | 33014 | $113.5M |
| Coral Way Branch | Miami , FL | 33175 | $111.0M |
| Milam Dairy Branch | Miami , FL | 33166 | $105.0M |
| Bird Road Branch | Miami , FL | 33155 | $73.8M |
| Hialeah Garden Branch | Hialeah , FL | 33018 | $67.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in FL, rank 38 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 54 applications, 49 loans originated, $127.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 10 loans, $17.8M approved, $1.8M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 218 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about U.S. Century Bank
What are U.S. Century Bank's total assets?
As of the Q2 2026 filing, U.S. Century Bank reported total assets of $3.02 billion in its FFIEC call report.
Where is U.S. Century Bank headquartered?
It is headquartered in Miami, FL, United States.
When was U.S. Century Bank founded?
It was established in 2002, per the FDIC institution directory.
Is U.S. Century Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57369). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates U.S. Century Bank?
U.S. Century Bank's primary federal regulator is the FDIC.
What is U.S. Century Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.48% in its Q2 2026 call report, above regulatory requirements.
How many branches does U.S. Century Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is U.S. Century Bank's Texas Ratio?
Its Texas Ratio is 0.74% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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