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U. S. Century Bank

$1B-$10B Specialty: Commercial FL FDIC cert 57369

Designations: ✓ Community bank ✓ Minority Depository Institution

Doral, FL

10 branches across FL

884 banks in the $1B-$10B peer group nationally 27 in FL
View $1B-$10B leaderboard (FL) →

U. S. Century Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 33.6% in tier
  • + ROA 0.20% above tier average
  • + Efficiency Ratio 14.53% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.42% below tier average
Get updates when U. S. Century Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Total Assets ? $2.8B
+6.2% YoY +1.9% QoQ
+$26.8M $2.8B
-0.1% YoY
$4.3B
+10.8% YoY
$6.2B
+9.1% YoY
67%
Total Loans ? $2.2B
+10.1% YoY +2.4% QoQ
+$250.1M $2.0B
+0.6% YoY
$3.0B
+12.4% YoY
$3.2B
+10.8% YoY
72%
Total Deposits ? $2.5B
+8.1% YoY +6.5% QoQ
+$169.2M $2.3B
-0.3% YoY
$3.6B
+11.7% YoY
$4.8B
+8.2% YoY
70%
Return on Assets ? 1.56%
+25.6% YoY +42.5% QoQ
+0.20% 1.37%
+19.6% YoY
0.83%
+61.5% YoY
1.23%
+13.4% YoY
74%
Net Interest Margin ? 3.40%
+10.9% YoY +3.1% QoQ
-0.42% 3.82%
+6.9% YoY
3.75%
+4.2% YoY
3.89%
+5.7% YoY
35%
Efficiency Ratio ? 46.53%
-6.4% YoY -5.5% QoQ
-14.53% 61.06%
-4.6% YoY
71.93%
-25.2% YoY
66.95%
-4.1% YoY
Top 13.7% in tier
Delinquency Rate ? 0.16%
-20.5% YoY +13.3% QoQ
-0.72% 0.89%
+14.1% YoY
0.63%
-5.7% YoY
0.95%
+18.8% YoY
82%
Loan-to-Deposit Ratio ? 88.16%
+1.9% YoY -3.9% QoQ
+3.95% 84.20%
+0.3% YoY
73.79%
+1.2% YoY
76.70%
+0.9% YoY
44%
Non-Interest-Bearing Deposit Share ? 25.46%
-4.6% YoY +0.4% QoQ
+4.17% 21.29%
-2.5% YoY
27.22%
-2.5% YoY
22.01%
-1.2% YoY
73%
Nonperforming Asset Ratio ? 0.13%
-17.6% YoY +13.8% QoQ
-0.55% 0.67%
+15.6% YoY
0.43%
-5.1% YoY
0.67%
+19.3% YoY
81%
Tier 1 Capital Ratio ? 12.74%
+2.7% YoY +2.2% QoQ
-2.42% 15.16%
+2.0% YoY
16.64%
-24.7% YoY
17.06%
+0.8% YoY
44%
Non-Interest Income / Assets ? 0.17%
+19.3% YoY -68.7% QoQ
-0.09% 0.26%
+1.6% YoY
0.50%
+7.6% YoY
0.32%
+4.1% YoY
60%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#75 of 220 • Top 33.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.16%
(Tier: 0.89%, National: 0.95%)
better than tier avg
220 of 220 Mid-Market banks match · 922 nationally
→ Stable +2 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

122
Efficiency Ratio
profitability
Value: 46.53%
Peer Median: 61.06%
#122 of 884 Top 13.7% in $1B-$10B
155
Delinquency Rate
credit_quality
Value: 0.16%
Peer Median: 0.89%
#155 of 880 Top 17.5% in $1B-$10B
166
Nonperforming Asset Ratio
credit_quality
Value: 0.13%
Peer Median: 0.67%
#166 of 884 Top 18.7% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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