BlastPoint's Banking Scorecard

U. S. Century Bank

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

Designations: ✓ Community bank ✓ Minority Depository Institution

Doral, FL

10 branches across FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 24 in FL.
Deposits +5.3% year over year ($2.5B on the books).
Delinquency rate 0.09%.
Return on assets 1.49%.
Efficiency ratio 45.85% vs a 59.73% peer average.
Loan-to-deposit ratio 92.49% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 24 in FL

View $1B-$10B leaderboard (FL) →

U. S. Century Bank has 3 strengths but faces 4 concerns

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 29.4% in tier
+ ROA 0.10% above tier average
+ Efficiency Ratio 13.88% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 5.3% in tier
- Credit Risk Growth: Bottom 43.8% in tier
- Liquidity Strain: Bottom 46.8% in tier
- Net Interest Margin 0.38% below tier average

Get updates when U. S. Century Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$3.0B +11.0% YoY +6.1% QoQ	+$222.7M	$2.8B -0.6% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	70%
Total Loans ?	$2.3B +9.9% YoY +3.6% QoQ	+$332.5M	$2.0B -0.3% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	73%
Total Deposits ?	$2.5B +5.3% YoY -1.2% QoQ	+$163.4M	$2.3B -0.5% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	70%
Return on Assets ?	1.49% +16.4% YoY -4.7% QoQ	+0.10%	1.39% +17.0% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	69%
Net Interest Margin ?	3.49% +9.7% YoY +2.7% QoQ	-0.38%	3.87% +6.2% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	36%
Efficiency Ratio ?	45.85% -6.3% YoY -1.5% QoQ	-13.88%	59.73% -12.6% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	Top 13.4% in tier
Delinquency Rate ?	0.09% +43.0% YoY -43.1% QoQ	-0.77%	0.87% +11.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	Top 11.1% in tier
Loan-to-Deposit Ratio ?	92.49% +4.4% YoY +4.9% QoQ	+7.45%	85.04% -0.1% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	34%
Non-Interest-Bearing Deposit Share ?	26.11% +1.3% YoY +2.5% QoQ	+4.83%	21.27% -1.5% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	74%
Nonperforming Asset Ratio ?	0.07% +41.7% YoY -44.4% QoQ	-0.60%	0.67% +11.7% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	Top 11.3% in tier
Tier 1 Capital Ratio ?	12.48% +0.3% YoY -2.0% QoQ	-2.36%	14.84% -0.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.28% +5.4% YoY +69.8% QoQ	-0.25%	0.53% +2.5% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	48%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Noninterest-Bearing	26.1% +0.3pp YoY +0.6pp QoQ	+4.7pp	21.4%	27.7%	22.2%	74%
Brokered Deposits	7.7% -0.3pp YoY -0.9pp QoQ	-1.8pp	9.5%	8.7%	8.5%	61%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	13.2% +0.6pp YoY -0.1pp QoQ	-0.8pp	14.0%	12.9%	12.5%	61%
CRE	57.5% -0.4pp YoY +0.5pp QoQ	+7.5pp	50.0%	50.6%	41.4%	69%
1-4 Family	14.9% +0.5pp YoY 0.0pp QoQ	-11.5pp	26.4%	30.7%	31.3%	30%
Consumer	8.9% -1.5pp YoY -0.3pp QoQ	+4.2pp	4.7%	3.7%	5.0%	88%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	12.5% 0.0pp YoY -0.3pp QoQ	-3.1pp	15.6%	19.8%	19.7%	32%
Leverage Ratio	10.0% +0.3pp YoY +0.1pp QoQ	-1.3pp	11.3%	13.9%	12.6%	36%
Total Capital Ratio	13.7% 0.0pp YoY -0.3pp QoQ	-3.0pp	16.7%	21.1%	20.8%	33%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	216 +13 (+6.4%) YoY +5 (+2.4%) QoQ	-98	313	295	482	45%
Assets per Employee ($)	$14.0M +4.3% YoY +3.6% QoQ	+$3.5M	$10.5M	$10.3M	$8.8M	86%
Branch Count	10 0 YoY 0 QoQ	-10	20	13	18	29%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	0.1% 0.0pp YoY -0.1pp QoQ	-0.7pp	0.8%	0.7%	1.0%	10%
Allowance Coverage	12.43x -31.9% YoY +73.3% QoQ	-6.28x	18.71x	16.62x	20.23x	91%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.2%	0.2%	42%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	16.8% +1.3pp YoY -0.7pp QoQ	+4.2pp	12.6%	9.3%	11.6%	82%
Cost of Funds (YTD)	2.1% -0.3pp YoY 0.0pp QoQ	+0.2pp	1.9%	1.8%	1.7%	63%
Net Income ($, YTD)	$21.5M +26.2% YoY — QoQ	+$2.3M	$19.2M	$25.2M	$40.4M	72%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#66 of 221 • Top 29.4% in tier

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

Why this signature

Delinquency Rate: 0.09%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk

#27 of 492 • Bottom 5.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.09%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#177 of 402 • Bottom 43.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ

Liquidity Strain

risk

#170 of 361 • Bottom 46.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.49%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ

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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.09%

Peer Median: 0.87%

#99 of 882 Top 11.1% in $1B-$10B

101

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.67%

#101 of 885 Top 11.3% in $1B-$10B

120

Efficiency Ratio

profitability

Value: 45.85%

Peer Median: 59.73%

#120 of 885 Top 13.4% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available