U.S. Century Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
U.S. Century Bank is the primary bank subsidiary of its parent holding company, headquartered in Miami, FL. On its most recent Q2 2026 call report, U.S. Century reported $3.0B in total assets against $2.5B in deposits. Profitability is strong, 1.43% ROA, paired with 16.13% ROE and a 3.56% net interest margin. Capital cushions are healthy: 12.48% CET1, 9.97% Tier 1 leverage. Asset quality is pristine, 0.12% NPLs and a 0.95% Texas Ratio. 10 branches make up the footprint.
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 0.12%, a Texas ratio of 0.95%, per financial data filed with the FFIEC.
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
- Offices
- 10 domestic
- 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 |
| Anderson Robert B. | CFO | EVP and CFO |
| Garrido Sergio E. | CCO | SVP, Chief Credit Officer |
| Logrono Maricarmen | CRO | EVP and Chief Risk Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full U.S. Century Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock U.S. Century 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for U.S. Century Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.48% | 1.43% | 0.12% | 0.95% | 3.56% |
| Q1 2026 | 12.74% | 1.54% | 0.19% | 1.52% | 3.31% |
| Q4 2025 | 12.47% | 0.38% | 0.17% | 1.39% | 3.37% |
| Q3 2025 | 12.73% | 1.41% | 0.07% | 0.60% | 3.17% |
| Q2 2025 | 12.45% | 1.30% | 0.07% | 0.55% | 3.22% |
| Q1 2025 | 12.41% | 1.23% | 0.23% | 1.90% | 3.01% |
| Q4 2024 | 12.10% | 1.18% | 0.17% | 1.40% | 3.12% |
| Q3 2024 | 11.93% | 1.19% | 0.17% | 1.42% | 2.99% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| 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
What the public regulatory sources show for U.S. Century Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in FL, rank 38 of 192 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.
- Consumer complaints
- 210 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. 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 12.48% in its Q2 2026 call report, above regulatory requirements.
How many branches does U.S. Century Bank operate?
U.S. Century Bank 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?
U.S. Century Bank's Texas Ratio is 0.95% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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