# U S CENTURY BANK
DORAL, FL · FDIC certificate 57369 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.02B | |
| Deposits | $2.48B | |
| Loans and leases | $2.32B | |
| Total equity | $263.6M | |
| Loans / deposits | 92.49% (p66 of band) | 87.10% |
| Liquid assets / assets | 19.47% (p43 of band) | |
| Uninsured deposits / deposits | 54.26% (p93 of band) | 30.76% |
| Brokered deposits | 6.33% | |
| Wholesale funding | 14.32% (p78 of band) | |
| FHLB advances / assets | 7.99% | |
| Tier 1 leverage | 9.97% (p36 of band) | 10.50% |
| Unrealized securities loss / equity | -17.22% (p25 of band) | -7.75% |
| AOCI / equity | -0.43% (p40 of band) | |
| ROA (annualized) | 1.49% (p69 of band) | 1.26% |
| Net interest margin | 3.49% (p36 of band) | 3.70% |
| Efficiency ratio | 45.85% (p14 of band) | |
| Noncurrent loans | 0.09% (p13 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p47 of band) | |
| Reserve coverage of noncurrent | 1243.06% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 15.46% (p14 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $13.5M (5% of equity) (p83 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 216 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 7 | leverage <7% |  |
| 2011-09 | 10 | leverage <5%, capital falling |  |
| 2011-12 | 10 |  |  |
| 2012-03 | 12 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2012-06 | 12 |  |  |
| 2012-09 | 12 | charge-offs p90 | capital falling |
| 2012-12 | 12 |  |  |
| 2013-03 | 7 |  | losing money, leverage <5%, uninsured deposits leaving, charge-offs p90 |
| 2013-06 | 8 | losing money |  |
| 2013-09 | 8 | capital falling | construction >100% equity |
| 2013-12 | 10 | leverage <5%, charge-offs p90 | noncurrent p90 |
| 2014-03 | 7 | noncurrent p90 | losing money, capital falling, leverage <5% |
| 2014-06 | 7 | losing money | charge-offs p90 |
| 2014-09 | 8 | capital falling |  |
| 2014-12 | 12 | leverage <5%, charge-offs p90, uninsured deposits leaving |  |
| 2015-03 | 4 |  | leverage <7%, deposits shrinking, assets shrinking, capital falling, leverage <5%, charge-offs p90, uninsured deposits leaving |
| 2015-06 | 4 |  |  |
| 2015-09 | 5 | capital falling |  |
| 2015-12 | 5 | charge-offs p90 | capital falling |
| 2016-03 | 4 |  | charge-offs p90 |
| 2016-06 | 3 | deposits shrinking | noncurrent p90, losing money |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 | capital falling | deposits shrinking |
| 2017-03 | 2 |  | expense ratio p90 |
| 2017-06 | 0 |  | reserve under noncurrent, capital falling |
| 2017-09 | 1 | expense ratio p90 |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | capital falling |  |
| 2018-09 | 1 |  | expense ratio p90 |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | uninsured deposits >50% |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 3 | AOCI drag >20% of equity | capital falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 4 | capital falling, run vulnerability |  |
| 2024-03 | 3 |  | run vulnerability |
| 2024-06 | 3 | run vulnerability | capital falling |
| 2024-09 | 2 |  | securities losses >30% of equity |
| 2024-12 | 3 | securities losses >30% of equity |  |
| 2025-03 | 2 |  | securities losses >30% of equity |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-27 [USCB Financial Holdings, Inc. and U.S. Century Bank Add New Director to Board - GlobeNewswire](https://news.google.com/rss/articles/CBMi3wFBVV95cUxONlZUUHdfRjJCUU9oQXBrdERnOWc1a2tNT01BQmNWYkk1cVJMR2lsSmFMOGlLTFFSWWM3T05mSzhLVFVCbWJaNWp2UTIxNl9KUlBfVllfX1ZqS1BsSVdoWkx5cC1sU0Q3SC1tMHQ0c2NHUDNrWTZfYzlYbVQxVWdmNjZ2ZlctRGJxY1RKTkhDZVdYRmVkeFUzTGVMNmNkODRPUk5oTnRJQ0ZPZFhzTktvemswTGtpNHdTR3c5cjFEQTV3LW15LTdtbmxfb2hXaHZyRm53NWdaRVRqMFNOR1dV?oc=5) · GlobeNewswire
- 2026-05-12 [U.S. Century Bank Appoints Adam Shapiro as VP, Association Banking Business Development Officer - citybiz](https://news.google.com/rss/articles/CBMizAFBVV95cUxNWEhPTWxJN29XYnFoNTF2eFNTS2s4bTBwZzh3ZVppRmNRZ3hKWDFUS05vQWEtQjA1OFltbkpoOG1Ic3IxRHFGUDhFWHlBbzRid2FRMHVWTDg1akIteUUwODZaak43YkRneDhWLV85TS1iV0RZRWNFX0gwWnJrXzdqaXMtZUctZTR3RHl0RkNwSVMtemh0cVhTbE45WTQxN1dTQzFaNExOcnowdkpaYUVGQkRvbUdYZVRuNHhUYnVtSWsteEtvVllyX016WWo?oc=5) · citybiz
- 2025-10-15 [From Consent Order To Nasdaq: How We Turned Around A Failing Community Bank - Chief Executive](https://news.google.com/rss/articles/CBMipAFBVV95cUxPcDh6UWhZNXF5TjRIS2lYSUtsam5MSHVMT1htWlhidnBzYnN6LTNtUlhxdVBiSVVWaGprOHJEZXBiRnI4N2l3YndPV3ZmdHRoRmpOMEczYWhkOXBPbkdleHVNTXZJVWt3ZXhEMXZncnZ0Q2V6alJnajZIdlFtdlJaS256VG1pajRjVk50T1I1elROeDdoN25HYllNRkdaS3BFZjV1VtIBqgFBVV95cUxNcnh5OW5UdVdGeWdmVlltQUVieHVRWnl4bGc5LXdwVGVpZ3JkUjc0TFY4Q1IyQ0xGMV9EVlNIR3dnSk9fZEtNRE52VUluaEwwWHZCSnViTVVUNnNuaVdtSDctUzgzTjhMVzRpYy1HVVpuaktjR3NWd3JacTZSZFIzZ3JBYjg2ZVRlVWoxeUJJbkI3MzVpbnJnQnF1T2NxMlZzQUZNaTIxMzltdw?oc=5) · Chief Executive
- 2025-12-11 [TotalBank Accuses Former CEO of Raiding Staff for Rival U.S. Century Bank - Podhurst Orseck](https://news.google.com/rss/articles/CBMikAFBVV95cUxQM1RWcEtQc0RVVDRBeDk1d2Q1TzF0ZWlmTkJTdFhrS3JadUdBRUd3cjFnclkya0EwY3pTSWpfZGgySmcyV0Y2VGtPdTNjQmpuTDNmQmRBSXNfMWlFOF9hcFk1QWdyTzVtbC1KQnIzMUQ5ZnVvekc3ZWNHUEVXSlVKMkpxQmNUdDV2V0FWbXVVUl8?oc=5) · Podhurst Orseck
- 2025-10-03 [U.S. Century Bank Welcomes New Senior Vice President and Private Client Banker - Miami's Community News](https://news.google.com/rss/articles/CBMiwAFBVV95cUxONEJYRmFkV3JnWTYycUk4ZThBQVV3Ql9IbTdZaERubkprTlI4eTlOckdPMnJkVWRsYkh1UlhjeXdJX3lpRGF5eV9RYTZBQ2QwNFF6aWdyWkUzSngySVdER0J5TERmLVNydzBPSFd3QXRsV1RpVFIydWptenRlYXJrR2hrcjh1OUxYTWxIaWc3NFBlT3FEQml4OGhQVFJHX0hxMDBxeGxhbFBOLVZiZmhFT1Z2ZDVpckZvYXhtazFrSWw?oc=5) · Miami's Community News
- 2026-04-23 [New York bank opens West Palm Beach office in One Flagler tower - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQMW9aZ1ZNN0M3LThuZTdCcHh1TUVxV0FuQlA5ZldiOXphLWxRR3F0ckFMT19ZZ3NGR0YzX1BvZ3YyYnMwV00wQ3p0Yk9vc2FvekFSX2psMjk3VGxEN1FOSjZTeUI1bHozZlJqYUdmeEgzZkFKTUpmdTBrYnV0R3ZFNkRYeVlfNVVZb252X2FyRFJVdnVZX0o1R2pqRjFmU2g3cEN1SlNPV29Odw?oc=5) · The Business Journals
- 2026-06-01 [USCB Financial Holdings, Inc. Names Sergio Garrido Chief Credit Officer; Announces Retirement of William “Bill” Turner - GlobeNewswire](https://news.google.com/rss/articles/CBMikwJBVV95cUxPUmRBczRaRDZZQ0I3dnd2Wnkyc3pPTDJWSk5mVVotQ0t2SUc0TWQxVl9tcVlUM1AzdGU2NkRFTHpTc1NsWURZd09ZX2hLbkctYlZvaE9ab0NBd2xsRXU2LXpkT2FIdzVaQ3pKUUZ1bEF4cFVYaXJrNXpWZWhia3lHb1BLTDBWdUN1U1lYWDBYUlRZLS04cnZlNTZ6SGNEdjZBVW1BMVhGMHZXazVDUmRmeUduRUJyMURoQzNsb2RWZ3RKVlhqTldMNGNCdTJGWG1PREtGUDk1QUlxd0hVTzFIUjJockV5cDljQlNscnNjTE14MjlJZzZwS0lrNmIxX0dqbjJIMk1JakF6dVNtQU9DWWc0Yw?oc=5) · GlobeNewswire
- 2026-02-11 [Alexander Acosta: Everything you need to know about Trump’s labor secretary nominee - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMimgFBVV95cUxQN3ZadjhkeDBheEo4RmpFYzJOQm1pdkNRdWswN3BLYWowVkhJa1Bvdjl3QzQ3TWVLTGtWWU5TVEp6OUZBM2o1aEtSRWNqRHlBUEk2VnBkWnFpNmE3RHhpdUNKbi1aYzNXX085eUJ4T3RVamdTR0l6TjN5elBBVUNnYmRLaHE4WTFucVNrMHAtaEJ6OTdObV9hNGhB0gGfAUFVX3lxTE9uTDRYdW9lRU5xVE1yRS04RTJrSFJXUXNrbmpqb055R0F3cHpKZlRwM3RZa05DTEJnWkZrZFZLbkY3dmRvTkFCUXoxZF8wNkwxRmpETUNfZWZpR3VjNTE2U3VxWENzcXBYVG5TT1NSSjBDUFNzM0Q2Z0J5WTI5X0JRTHAzekgwd3Rzc1lkNm9XVWpvRVB3eUZKRERfX3FDOA?oc=5) · ABC News - Breaking News, Latest News and Videos

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57369 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/25.json (key "57369", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide