U.S. Century Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Retained earnings: 16.9% higher than in Q1 2026, at -$36.7M. Within Florida, U.S. Century Bank is 45th of 56 on CET1 ratio, 12.48% as of Q2 2026, below the middle of the field. U.S. Century Bank reported 12.48% on CET1 ratio for Q2 2026, 1.00 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.48% |
| Tier 1 risk-based capital ratio | 12.48% |
| Total risk-based capital ratio | 13.68% |
| Tier 1 leverage ratio | 9.97% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $292.0M |
| Tier 1 capital | $292.0M |
| Total risk-based capital | $320.1M |
| Total equity capital | $263.6M |
| Risk-weighted assets | $2.34B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.74% |
| Tangible equity to tangible assets | 8.74% |
| Equity capital to average assets | 8.99% |
| Internal capital growth rate | 11.68% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $20.0M |
| Common stock surplus | $311.6M |
| Retained earnings | -$36.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$31.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.93% | 11.93% | 13.06% | 9.24% | $1.77B |
| Q4 2023 | 11.48% | 11.48% | 12.65% | 9.17% | $1.84B |
| Q1 2024 | 11.71% | 11.71% | 12.89% | 8.84% | $1.86B |
| Q2 2024 | 11.82% | 11.82% | 13.01% | 8.94% | $1.90B |
| Q3 2024 | 11.93% | 11.93% | 13.14% | 9.28% | $1.96B |
| Q4 2024 | 12.10% | 12.10% | 13.34% | 9.38% | $2.00B |
| Q1 2025 | 12.41% | 12.41% | 13.65% | 9.55% | $2.03B |
| Q2 2025 | 12.45% | 12.45% | 13.67% | 9.65% | $2.11B |
| Q3 2025 | 12.73% | 12.73% | 13.93% | 9.63% | $2.15B |
| Q4 2025 | 12.47% | 12.47% | 13.67% | 9.65% | $2.19B |
| Q1 2026 | 12.74% | 12.74% | 13.96% | 9.88% | $2.22B |
| Q2 2026 | 12.48% | 12.48% | 13.68% | 9.97% | $2.34B |
U.S. Century Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock U.S. Century Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full U.S. Century Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57369) · FFIEC NIC profile (RSSD 3146150)