U.S. Century Bank
Headquartered in Miami, U.s. Century Bank serves the Florida market as a community-focused commercial bank. U.s. Century's Q1 2026 balance sheet shows $2.8B in assets funded primarily by $2.5B in customer deposits. Returns are notably above industry norms: 1.54% ROA, 17.47% ROE, and 3.31% NIM. Capital cushions are healthy: 12.74% CET1, 9.88% Tier 1 leverage. Asset quality is pristine — 0.19% NPLs and a 1.52% Texas Ratio. It operates 10 branches, primarily in Florida.
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
- Fed District
- 5
- Established
- October 28, 2002
- Branches
- 10 domestic
- Employees (FTE)
- 211
- FDIC Cert
- 57369
- Fed RSSD
- 3146150
- Website
- www.uscentury.com →
- Parent Holding Company
- USCB FINANCIAL HOLDINGS, INC. (RSSD 5681262)
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
U.S. Century Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about U.S. Century Bank
What are U.S. Century Bank's total assets?
As of the Q1 2026 filing, U.S. Century Bank reported total assets of $2.84 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is U.S. Century Bank headquartered?
U.S. Century Bank is headquartered in MIAMI, FL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was U.S. Century Bank founded?
U.S. Century Bank was established in 2002, per the FDIC institution directory.
Is U.S. Century Bank FDIC-insured?
Yes. U.S. Century Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is U.S. Century Bank's CET1 capital ratio?
U.S. Century Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.74% in its most recent quarterly filing — above regulatory minimums.
How many branches does U.S. Century Bank operate?
U.S. Century Bank operates 10 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is U.S. Century Bank's Texas Ratio?
U.S. Century Bank's Texas Ratio is 1.52% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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