1 star ratingAverage User Rating:
1 star rating based on 1 review.

U. S. Century Bank

U. S. Century Bank Locations
2301 Nw 87th Avenue
Doral, FL 33172
(305) 513-3733
www.uscentury.com

FDIC

U. S. Century Bank is headquartered in Doral and is the 22nd largest bank in the state of Florida. It is also the 656th largest bank in the nation. It was established in 2002 and as of December of 2012, it had grown to 260 employees at 24 locations. U. S. Century Bank has a 1-star health rating.

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Top 15-Month Special CD Rate at US Century Bank in South Florida - Local Only - 1/25/2011

US Century Bank is having a CD special with some good short-term CD deals. The best deal is a 1.60% APY 15-month CD. You can get an extra 10 basis for a 1.70% APY with a checking account and direct de ...


Data for Q4 2012


Institution Statistics


U. S. Century Bank
FDIC Certificate #57369
BankRate ReportView
Year Established2002
Employees260
Primary RegulatorFDIC

Assets and Liabilities

Assets$1.01 billion
Loans$762.02 million
Deposits$939.13 million
Equity Capital$50.47 million
Loan Loss Allowance$26.68 million
Unbacked Noncurrent Loans$98.82 million
Real Estate Owned$25.49 million

Historic Data - December 2011

Assets$1.35 billion
Equity Capital$61.52 million
Loan Loss Allowance$60.37 million
Unbacked Noncurrent Loans$225.15 million
Real Estate Owned$34.20 million

Profit Margin - Quarterly

Net Interest Margin3.65%
Return on Assets-0.82%
Return on Equity-18.26%
Interest Income$47.95 million

Institution Health


Overall Score:
1 out of 5
1
Texas Ratio1
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 U. S. Century Bank had $124.31 million in non-current loans and owned real-estate with $77.14 million in equity and loan loss allowances on hand to cover it. This gives U. S. Century Bank a Texas Ratio of 161.14% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for U. S. Century Bank decreased slightly from 212.78% as of December 31, 2011 to 161.14% as of December 31, 2012, resulting in a positive change of 24.27%.This indicates that the balance sheet and financial strength for U. S. Century Bank has improved slightly in recent periods.
Deposit Growth1
In the past year, U. S. Century Bank has decreased its total deposits by -$322.6 million, resulting in -25.57% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth U. S. Century Bank has shown is poor.
Capitalization2
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. U. S. Century Bank has $1.01 billion in assets with $77.14 million in equity, resulting in a capitalization level of 7.64%, which is below average.
Write Review

Really...Zero Stars
1 stars - annwarmbold - Wednesday, March 13, 2013 - 11:33 AM

O my god... worst customer service ever! Called with simple questions regarding ATM fees.  Woman was rude, tranferred me TWICE to extentions with only voice mail.  The second call just got cut off, so three attempts total.  We haved lived in the Doral area 3 months, and this is far and away the worst service I have received at any business.  (You'd expect a bank to be a little more professional wouldn't you?)  I only wish I had gotten her name so I could report her to a supervisor (of course she said it way to fast, and with the tone of "why are you bothering me")  Needless to say we will not be seeking any loans or other services from this branch. 

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