Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
2301 Nw 87th Avenue
Doral, FL 33172

U. S. Century Bank is headquartered in Doral and is the 27th largest bank in the state of Florida. It is also the 784th largest bank in the nation. It was established in 2002 and as of March of 2014, it had grown to 235 employees at 23 locations. U. S. Century Bank has a C health rating.

Related Posts

Reviews (2)

Really...Zero Stars

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. 

The Worse Costumer Service Ever!!!!

The worse costumer services ever, the teller MARIA ROCA is the most rude person I have ever met
when she Attended me she was with a mouthful of food, she took 30 minutes to cash a check, when I ask for it taking so long she replied that was not her fault in a rude manner, she began to speak out in front of other employees and customers and told me not to go anymore to that bank, that she was very efficient. US CENTURY BANK is that how you treat a costumer that is pregnant? I am 23 week pregnancy and this woman do not deserve that job.I am closing my acc.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 U. S. Century Bank had $46.18 million in non-current loans and owned real-estate with $60.54 million in equity and loan loss allowances on hand to cover it. This gives U. S. Century Bank a Texas Ratio of 76.28% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for U. S. Century Bank decreased dramatically from 150.65% as of March 31, 2013 to 76.28% as of March 31, 2014, resulting in a positive change of 49.37%.This indicates that the balance sheet and financial strength for U. S. Century Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, U. S. Century Bank has decreased its total deposits by -$113.48 million, resulting in -12.92% 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.



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 $862.02 million in assets with $60.54 million in equity, resulting in a capitalization level of 7.02%, which is below average.

Institution Statistics

FDIC Certificate #57369
Year Established2002
Primary RegulatorFDIC
Assets and Liabilities
Assets$862.02 million
Loans$691.03 million
Deposits$764.93 million
Equity Capital$47.36 million
Loan Loss Allowance$13.18 million
Unbacked Noncurrent Loans$27.12 million
Real Estate Owned$19.06 million
Historic Data - March 2013
Assets$950.67 million
Equity Capital$50.64 million
Loan Loss Allowance$26.68 million
Unbacked Noncurrent Loans$27.12 million
Real Estate Owned$21.56 million
Profit Margin - Quarterly
Net Interest Margin3.4%
Return on Assets0.23%
Return on Equity4.39%
Interest Income$7.95 million

Sorry, we do not have rate data for U. S. Century Bank


U. S. Century Bank has 24 locations. Click to view all U. S. Century Bank locations.