U. S. Century Bank
U. S. Century Bank reported total assets of $3.0 bn at Q2 2026, up 11.0% on a year earlier, the 418th largest of 497 banks in our US coverage. The CET1 capital ratio at U. S. Century Bank was 12.48%, and the uninsured share of U. S. Century Bank was 54.26%. Source: FDIC Call Reports.
Key takeaways
- On total assets, U. S. Century Bank climbed from 459th to 418th among 497 US banks between and (1 = highest; FDIC Call Reports).
- U. S. Century Bank reports one of the lowest noncurrent loans to total loans readings among banks of $1 bn to $10 bn: 0.09% at , where the median of the 339 banks is 0.58% (FDIC Call Reports).
- At 54.26%, the uninsured share of domestic deposits of U. S. Century Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 32.61% (FDIC Call Reports).
What sets U. S. Century Bank apart
How large is U. S. Century Bank?
The balance sheet of U. S. Century Bank at : assets $3.0 bn, deposits $2.5 bn, net loans $2.3 bn (loans equal to 92.49% of deposits). Securities make up 15.5% of total assets at U. S. Century Bank. Since , when U. S. Century Bank held $895.4 mn, its assets grew 236.8%. In the year to , deposits at U. S. Century Bank rose 5.3% while its total assets rose 11.0%. At , U. S. Century Bank employed 216 full-time equivalent staff across 10 offices, about $14.0 mn of assets per employee and $248.2 mn of deposits per office.
How much funding at U. S. Century Bank is uninsured?
At U. S. Century Bank, uninsured deposits (above the FDIC limit) made up 54.26% of domestic deposits at (+2.63 pp on a year earlier); U. S. Century Bank ranks 51st of 500 on this measure. In dollars, U. S. Century Bank estimated $1.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.5 bn | +5.3% | 423rd of 499 |
| Net loans and leases | $2.3 bn | +9.9% | 394th of 500 |
| Loan-to-deposit ratio | 92.49% | +3.93 pp | 153rd of 500 |
| Tier 1 leverage ratio | 9.97% | +0.32 pp | 301st of 500 |
| Total risk-based capital ratio | 13.68% | +0.01 pp | 287th of 448 |
| Net interest margin | 3.49% | +0.31 pp | 301st of 500 |
| Return on assets (ROA) | 1.49% | +0.21 pp | 155th of 500 |
| Efficiency ratio | 45.85% | -3.10 pp | 90th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $11.9 mn | Narrowed by $3.9 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $33.5 mn | Narrowed by $13.5 mn | |
| Noncurrent loans to total loans | 0.09% | +0.03 pp | 32nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.03% | -0.04 pp | 145th of 500 (1 = lowest) |
US rank of U. S. Century Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
U. S. Century Bank: assets, deposits and loans
- Total assets $3.0bn
- Deposits $2.5bn
- Net loans $2.3bn
Capital and securities
The CET1 ratio of U. S. Century Bank stood at 12.48% in , +0.03 pp year on year. Low and high at U. S. Century Bank since : 7.48% () to 13.85% (). Equity capital of U. S. Century Bank at : $263.6 mn, or 8.7% of total assets. U. S. Century Bank also reported a total capital ratio of 13.68% for , and a tier 1 leverage ratio of 9.97%.
On held-to-maturity securities, U. S. Century Bank carried an unrealized loss of $11.9 mn at , equal to 4.5% of equity capital. The loss narrowed by $3.9 mn over the year. Its deepest point: $26.0 mn in . The available-for-sale portfolio of U. S. Century Bank showed an unrealized loss of $33.5 mn at ; the loss narrowed by $13.5 mn over the year.
U. S. Century Bank: capital ratios
- Total capital 14%
- CET1 12%
- Tier 1 leverage 10.0%
U. S. Century Bank: unrealized securities gains and losses
- Available for sale -$33mn
- Held to maturity -$12mn
Profitability and loan quality
For the year to , U. S. Century Bank earned a return on equity of 16.79%; return on assets: 1.49%. Net interest margin at U. S. Century Bank: 3.49%, +0.31 pp in a year. U. S. Century Bank net income: $21.5 mn, up 26.2% year on year. The efficiency ratio of U. S. Century Bank was 45.85%: about 46 cents cost per revenue dollar, against 58 cents at the median peer.
At , noncurrent loans were 0.09% of total loans at U. S. Century Bank; net charge-offs: 0.03% of average loans. Gross loans and leases at U. S. Century Bank: $2.3 bn, up 9.9% in a year.
U. S. Century Bank: profitability
- Return on equity 17%
- Net interest margin 3.5%
- Return on assets 1.5%
Peer group of U. S. Century Bank
The peer group of U. S. Century Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of U. S. Century Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Florida. Against them, U. S. Century Bank shows CET1 ratio 12.48% against a peer median of 11.71%, return on equity 16.79% against a peer median of 10.77% and uninsured deposit share 54.26% against a peer median of 34.02%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| The National Bank of Indianapolis | National bank | IN | $3.0 bn | 11.42% | 18.16% | 60.27% | |
| Mascoma Bank | State member bank | NH | $3.0 bn | 12.01% | 5.86% | 13.60% | |
| The Bank of Tampa | State nonmember bank | FL | $3.0 bn | 14.52% | 13.05% | 53.42% | |
| U. S. Century Bank | State nonmember bank | FL | $3.0 bn | 12.48% | 16.79% | 54.26% | |
| Southern Bancorp Bank | State member bank | AR | $3.0 bn | not reported | 6.80% | 39.23% | |
| Northwest Bank | State nonmember bank | IA | $3.0 bn | 11.19% | 13.67% | 28.80% | |
| Nelnet Bank | State nonmember bank | UT | $3.0 bn | not reported | 8.48% | 1.63% | |
. FDIC Call Reports.
Last eight quarters
Two years at U. S. Century Bank, to : assets +20.5%, deposits +15.4%, equity +24.8%. Staff 198 to 216.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.5 bn | $2.6 bn | $2.7 bn | $2.7 bn | $2.8 bn | $2.8 bn | $2.8 bn | $3.0 bn |
| Total deposits | $2.2 bn | $2.2 bn | $2.3 bn | $2.4 bn | $2.5 bn | $2.4 bn | $2.5 bn | $2.5 bn |
| Bank equity capital | $211.1 mn | $210.3 mn | $221.9 mn | $228.1 mn | $240.0 mn | $248.2 mn | $256.2 mn | $263.6 mn |
| CET1 ratio | 11.93% | 12.10% | 12.41% | 12.45% | 12.73% | 12.47% | 12.74% | 12.48% |
| Return on equity (ROE) | 12.84% | 13.34% | 15.16% | 15.48% | 16.02% | 12.93% | 17.47% | 16.79% |
| Uninsured share of domestic deposits | 55.32% | 54.57% | 53.85% | 51.64% | 52.56% | 50.50% | 53.89% | 54.26% |
| Full-time equivalent employees | 198 | 199 | 201 | 203 | 206 | 205 | 211 | 216 |
| Number of offices | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by U. S. Century Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of U. S. Century Bank?
U. S. Century Bank reported $3.0 bn at in its Call Report. That makes U. S. Century Bank the 418th largest of 497 banks in our US coverage.
Is U. S. Century Bank the same as its holding company?
No. This page covers U. S. Century Bank, FDIC certificate 57369; USCB FINANCIAL HOLDINGS INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is U. S. Century Bank profitable?
U. S. Century Bank reported net income of $21.5 mn for the year to ; annualized return on equity: 16.79%. So yes: U. S. Century Bank made a profit over these months.
When is data for U. S. Century Bank next updated?
Figures from U. S. Century Bank for are due after .
Where can I check the figures for U. S. Century Bank?
In the FDIC BankFind Suite record for certificate 57369, and in the Call Reports of U. S. Century Bank (RSSD ID 3146150) at the FFIEC Central Data Repository.