TellerScore

U. S. Century Bank is a state-chartered bank headquartered in Doral, Florida, in business for about 24 years. At the end of Q2 2026 it reported $3.0B in total assets and $2.5B in deposits, with 10 offices.

Based on its Q2 2026 filing, U. S. Century Bank scores 69/100, which we describe as moderate. That is higher than 53% of 897 banks with $1 billion – $10 billion. Among 82 banks headquartered in Florida, it ranks 40th. Its strongest component is problem-loan coverage (99/100; 0.7%), and its lowest is funding & liquidity (24/100; 92% loans-to-deposits, 54% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 9.97%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.09%
Earnings80/100
Return on assets (annualized): 1.49%
Funding & liquidity24/100
Loans ÷ deposits and uninsured-deposit share: 92.5% · 54.3% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.74%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (67 → 69), mostly because the earnings component improved by 9 points.

TellerScore
626669Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202463
Q4 202463
Q1 202565
Q2 202567
Q3 202568
Q4 202565
Q1 202669
Q2 202669
Tier 1 leverage ratio
5.00%7.49%9.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.94%
Q3 20249.28%
Q4 20249.38%
Q1 20259.55%
Q2 20259.65%
Q3 20259.63%
Q4 20259.65%
Q1 20269.88%
Q2 20269.97%
Noncurrent loans
0.04%0.12%0.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.14%
Q4 20240.14%
Q1 20250.20%
Q2 20250.06%
Q3 20250.06%
Q4 20250.14%
Q1 20260.16%
Q2 20260.09%
Return on assets
0.95%1.26%1.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.95%
Q3 20241.04%
Q4 20241.08%
Q1 20251.25%
Q2 20251.28%
Q3 20251.34%
Q4 20251.10%
Q1 20261.56%
Q2 20261.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$3.0B9.97%0.09%1.49%92.5%
Q1 202669$2.8B9.88%0.16%1.56%88.2%
Q4 202565$2.8B9.65%0.14%1.10%91.7%
Q3 202568$2.8B9.63%0.06%1.34%84.5%
Q2 202567$2.7B9.65%0.06%1.28%88.6%
Q1 202565$2.7B9.55%0.20%1.25%86.5%
Q4 202463$2.6B9.38%0.14%1.08%89.2%
Q3 202463$2.5B9.28%0.14%1.04%88.7%
Q2 202462$2.5B8.94%0.04%0.95%89.1%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.97%
36th
Total risk-based capital13.68%
50th
Problem loans0.09%
88th
Net charge-offs0.03%
55th
Return on assets1.49%
69th
Net interest margin3.49%
36th
Efficiency ratio45.8%
86th
Loans to deposits92.5%
34th
Uninsured deposits54.3%
7th
Loan-loss reserves1.15%
51st
Texas ratio0.7%
87th

Similar-size banks in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of TampaBank Tampa, FL70 out of 100, Strong$3.0B11.0%0.29%vs
Banco do Brasil AmericasBank Miami, FL72 out of 100, Strong$3.5B10.9%0.83%vs
Newtek Bank, National AssociationBank Miami, FL41 out of 100, Below average$2.5B8.6%7.19%vs
Cogent BankBank Orlando, FL72 out of 100, Strong$2.5B9.7%0.39%vs
Pibank, National AssociationBank Miami, FL63 out of 100, Moderate$2.4B9.7%0.13%vs
Crews Bank & TrustBank Wauchula, FL85 out of 100, Very strong$2.3B10.7%0.06%vs

Deposit insurance

Is my money safe at U. S. Century Bank?

Yes. U. S. Century Bank is an FDIC-insured institution (FDIC certificate #57369). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 54.3% of deposits ($1.3B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.97%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.68% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

U. S. Century Bank lists 10 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, U. S. Century Bank reported 54 home-loan applications under HMDA (LEI 254900XT937N1XUKWX63): 49 originated ($127,685,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
U. S. Century Bank
Type
State-chartered bank
FDIC certificate #
57369
RSSD ID
3146150
Primary regulator
FDIC
Holding company
Uscb Financial Holdings Inc
Established
October 28, 2002
Headquarters
2301 Nw 87th Ave, Doral, FL 33172
Employees
216

Quick answers

U. S. Century Bank: common questions

Is U. S. Century Bank FDIC insured?

Yes. U. S. Century Bank is an FDIC-insured institution (FDIC certificate #57369). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is U. S. Century Bank's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has U. S. Century Bank ever failed?

There is no failure record for FDIC certificate #57369 in the FDIC failed bank list.

How many branches does U. S. Century Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Doral

InstitutionScoreAssetsCapitalProblem loansCompare
Dade County Federal Credit UnionCredit union Sweetwater, FL84 out of 100, Strong$1.5B13.1%0.31%vs
Educational Federal Credit UnionCredit union Miami, FL84 out of 100, Strong$1.8B15.4%0.61%vs
Desjardins Bank, National AssociationBank Hallandale, FL84 out of 100, Strong$362.1M19.3%0.31%vs
Hialeah Municipal Employees Federal Credit UnionCredit union Hialeah, FL81 out of 100, Strong$14.2M22.9%0.04%vs
Shaw-Ross Employees Credit UnionCredit union Miami, FL81 out of 100, Strong$6.8M14.9%0.53%vs
Guardians Credit UnionCredit union West Palm Beach, FL80 out of 100, Strong$309.5M14.7%0.42%vs