U.S. Century Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks U.S. Century Bank of Miami, FL against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.43% | 1.46% | -0.03% | 62nd above |
| ROAE | 16.13% | 12.69% | +3.44% | 77th top |
| Net Interest Margin | 3.56% | 3.85% | -0.29% | 39th below |
| Efficiency Ratio | 45.20% | 57.41% | -12.21% | 86th top |
| PPNR / Avg Assets | 2.17% | 1.88% | +0.29% | 76th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.59% | 5.72% | -0.13% | 53rd above |
| Cost of Funds | 2.21% | 2.02% | +0.19% | 36th below |
| Net Interest Spread | 2.71% | 3.18% | -0.47% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 1.00% | -0.88% | 88th top |
| NPA / Total Assets | 0.09% | 0.76% | -0.67% | 87th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.43% | -0.38% | 41st below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.15% | 1.31% | -0.16% | 50th above |
| ACL / NPLs (Coverage) | 969.18% | 563.87% | +405.31% | 90th top |
| Texas Ratio | 0.95% | 7.40% | -6.45% | 88th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 522.89% | 618.68% | -95.79% | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.48% | 17.34% | -4.86% | 33rd below |
| Tier 1 Ratio | 12.48% | 17.37% | -4.89% | 32nd below |
| Total Capital Ratio | 13.68% | 18.42% | -4.74% | 34th below |
| Leverage Ratio | 9.97% | 11.44% | -1.47% | 36th below |
| Equity / Assets | 8.74% | 11.34% | -2.60% | 17th bottom |
| TCE / Tangible Assets | 8.74% | 10.50% | -1.76% | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.56% | 86.95% | +6.61% | 34th below |
| Core Deposit Ratio | 82.96% | 85.56% | -2.60% | 28th below |
| Uninsured Deposit Ratio | 54.26% | 33.10% | +21.16% | 6th bottom |
| Wholesale Funding Ratio | 7.99% | 5.70% | +2.29% | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.98% | 9.68% | +1.30% | 79th top |
| Loan Growth (Y/Y) | 9.89% | 8.06% | +1.83% | 73rd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.26% | 7.88% | -2.62% | 53rd above |
See U.S. Century Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock U.S. Century Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full U.S. Century Bank profile, how to read a UBPR, or how this data updates.