U. S. Century Bank: how it compares with its peers
Against 14 FL banks with half to twice its assets, U. S. Century Bank's strongest measure in Q2 2026 is assets per employee ($14.0M vs. a $11.5M peer median). Its weakest relative measure is net interest margin (3.49% vs. 3.68%).
| Measure | U. S. Century Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.49% | 1.24% | Middle third Ahead of 64% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.49% | 3.68% | Bottom third Ahead of 21% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 45.85% | 55.25% | Top third Ahead of 86% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $14.0M | $11.5M | Top third Ahead of 93% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.49% | 75.81% | Context |
What it means for lending operations
Its efficiency ratio of 45.85% is better than the 55.25% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Bank of Tampa Tampa, FL · $3.02B
- Banco do Brasil Americas Miami, FL · $3.47B
- Newtek Bank, National Association Miami, FL · $2.47B
- Cogent Bank Orlando, FL · $2.45B
- Pibank, National Association Miami, FL · $2.37B
- Crews Bank & Trust Wauchula, FL · $2.33B
Questions about U. S. Century Bank
How big is U. S. Century Bank?
U. S. Century Bank, established in 2002, is headquartered in Doral, FL. It reported $3.02B in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is U. S. Century Bank's return on assets?
1.49% annualized in Q2 2026, against a 1.24% median for 14 FL banks with half to twice its assets, ahead of 64% of them.
What is U. S. Century Bank's efficiency ratio?
45.85% in Q2 2026: it spent about 46 cents in noninterest expense for each dollar of revenue. The peer median is 55.25%, and lower is better.
Is U. S. Century Bank growing its loans?
Net loans grew 9.9% over the year to Q2 2026, while deposits grew 5.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are FL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Florida bank ranked.