BlastPoint's Banking Scorecard
U. S. Century Bank
Community
Specialty: Commercial
FL
FDIC cert 57369
Doral, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
U. S. Century Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 13% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6% in Community
- - Credit Risk Growth: Bottom 48% in Community
- - Liquidity Strain: Bottom 48% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.8B
+8.1% YoY
+0.8% QoQ
|
+$1.4B |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$2.2B
+11.0% YoY
+2.7% QoQ
|
+$1.2B |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$2.4B
+8.1% YoY
-5.3% QoQ
|
+$1.2B |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
1.10%
+1.8% YoY
-18.2% QoQ
|
-0.07% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
3.30%
+10.2% YoY
+2.0% QoQ
|
-0.36% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
49.21%
-8.8% YoY
+1.3% QoQ
|
-13.42% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Top 15% in tier |
| Delinquency Rate ? |
0.15%
+4.4% YoY
+133.1% QoQ
|
-0.48% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
91.69%
+2.7% YoY
+8.5% QoQ
|
+8.63% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
25.37%
-5.3% YoY
+1.9% QoQ
|
+4.32% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.11%
+7.2% YoY
+137.6% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
12.47%
+3.0% YoY
-2.0% QoQ
|
+2.22% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.53%
+2.5% YoY
+30.3% QoQ
|
-0.21% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#50 of 371 · Top 13% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.15%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (3)
Credit Quality Pressure
risk
#50 of 808 · Bottom 6% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.15%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#309 of 642 · Bottom 48% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Liquidity Strain
risk
#249 of 513 · Bottom 48% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
91.69%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M
90
90th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
89
89th pctile
Total Assets
Current: $2.8B · Tier avg: $1.4B
85
85th pctile
Efficiency Ratio
Current: 49.21% · Tier avg: 62.63%
77
77th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.37% · Tier avg: 21.05%
52
52th pctile
Tier 1 Capital Ratio
Current: 12.47% · Tier avg: 10.24%
51
51th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
47
47th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
31
31th pctile
Loan-to-Deposit Ratio
Current: 91.69% · Tier avg: 83.06%
30
30th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.66%
Top Weaknesses
30
30th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.66%
31
31th pctile
Loan-to-Deposit Ratio
Current: 91.69% · Tier avg: 83.06%
47
47th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
51
51th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
52
52th pctile
Tier 1 Capital Ratio
Current: 12.47% · Tier avg: 10.24%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.37% · Tier avg: 21.05%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
77
77th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
85
85th pctile
Efficiency Ratio
Current: 49.21% · Tier avg: 62.63%
89
89th pctile
Total Assets
Current: $2.8B · Tier avg: $1.4B
90
90th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
91
91th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M