U.S. Century Bank
Miami, FL · Cert 57369 · Peer group: banks $1B-$10B in assets (n=322-328) · Uscb Financial Holdings Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
$3.0BAssets
$2.3BLoans
$2.5BDeposits
$263.6MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 88% of banks $1B-$10B in assets (rank 40 of 328).
- Widest gap: equity / assets trails 83% of banks $1B-$10B in assets (rank 271 of 328).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.43%
Rank 99 of 328
Net Interest Margin
3.28%
Rank 199 of 328
Efficiency Ratio
45.85%
Rank 40 of 328
Equity / Assets
8.74%
Rank 271 of 328
Non-interest income vs. expense
Unfavorable gap of $34.9M · efficiency ratio beats 88% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.43% | 0.91% | 1.22% | 1.52% | Beats 70% | 99 / 328 | | |
| Return on Equity | 16.31% | 8.43% | 11.45% | 14.43% | Beats 86% | 45 / 328 | | |
| Net Interest Margin | 3.28% | 3.03% | 3.45% | 3.83% | Beats 39% | 199 / 328 | | |
| Efficiency Ratio | 45.85% | 51.61% | 59.56% | 67.53% | Beats 88% | 40 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.24% | 0.51% | 1.03% | Beats 88% | 39 / 322 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 69% | 101 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 12.48% | 11.75% | 13.15% | 15.47% | Beats 40% | 198 / 328 | | |
| Total Risk-Based Capital Ratio | 13.68% | 12.63% | 14.15% | 16.46% | Beats 43% | 186 / 328 | | |
| Equity / Assets | 8.74% | 9.15% | 10.33% | 12.01% | Beats 17% | 271 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.56% | 76.63% | 87.92% | 95.36% | 70th pctl | 98 / 323 | | |
| Loans / Assets | 77.00% | 65.18% | 74.15% | 79.98% | 64th pctl | 117 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |