US Century Bank

What US Century Bank does

US Century Bank is a publicly traded, Hispanic-owned community bank founded in 2002 and headquartered in Doral, Florida, operating through its parent holding company USCB Financial Holdings, Inc. (NASDAQ: USCB) since its 2021 IPO. The bank serves small and medium-sized businesses, professionals, entrepreneurs, and individual consumers across Miami-Dade and Broward Counties, with a vertical-specialization go-to-market organized around dedicated relationship divisions: MD Advantage for healthcare practitioners, Jurist Advantage for law firms, Association Banking for HOAs/community associations, Nonprofit Organizations, Global/Correspondent Banking for institutional clients, and Private Client Group for high-net-worth households.

The product set spans business and personal deposit accounts (checking, savings), lending products (commercial/real estate loans, SBA loans, residential mortgages, HELOCs, business and personal credit cards), specialty services (Century Secure Plus ICS/CDARS via IntraFi network providing up to $150M in FDIC-insured deposit coverage, yacht financing, international personal banking), and digital banking (business and personal e-banking, mobile banking, treasury management with ACH, wire, positive pay, remote deposit capture, Zelle). The core technology layer is a standard Jack Henry-powered digital banking platform with SSL-secured web/mobile access; no proprietary AI/ML capabilities, APIs, or developer platforms are disclosed.

The business model is a traditional community bank spread-and-fee engine: net interest income from commercial, real estate, SBA, residential, and HELOC lending, funded by deposits and augmented by account, transaction, treasury management, and card-related fee income. GTM is relationship-led and branch-distributed (not product-led), with local underwriting decisions and customized solutions differentiating the bank from larger national competitors. Customer acquisition is community-driven (events, financial education, social media, earned media), with no public pricing disclosure beyond HELOC rate spreads over Prime.

Name

US Century Bank

Legal name

U.S. Century Bank

Website

https://uscentury.com

Company type

Public

Founded year

2002

Operating status

Operating

Headcount range

101–250 employees

Short description

US Century Bank is a publicly traded Hispanic-owned community bank headquartered in Doral, Florida, serving SMBs, professionals, entrepreneurs, and consumers across South Florida through dedicated vertical programs in healthcare, legal, association, nonprofit, and private banking.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Credit Cards & Revolving Credit (FSABAAAC), SBA/Government-Backed & Development Finance Loans (FSAKAGAI), Real Estate (Commercial Property, REITs) (FSABACAH)

Keywords

• Community banking services
• Commercial real estate lending
• SBA small business loans
• Healthcare practice banking
• Treasury management services

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel

Revenue model

1. Interest Income: Interest income from commercial loans, real estate loans, SBA loans, residential loans, and HELOCs. Primary revenue driver for community bank.
2. Fee Income: Various banking fees including account maintenance fees, transaction fees, treasury management fees, and business credit card fees.
3. Deposit Taking: Accepting deposits from individuals and businesses, using float and spread on deposits lent out.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

U.S. Century Bank is a Hispanic-owned community bank that provides commercial and personal banking products to businesses, entrepreneurs, professionals, and individuals in the South Florida market. It accepts deposits (business and personal checking/savings), originates commercial real estate loans, SBA loans, residential mortgages, and HELOCs, and delivers specialty banking programs (MD Advantage for healthcare providers, Jurist Advantage for law firms, Association Banking, Private Client Group, Nonprofit Banking, and Global/Correspondent Banking), along with treasury management and digital banking services.

Product overview

US Century Bank operates as a community bank offering a comprehensive suite of financial products and services. The bank provides a modular, service-line architecture consisting of: (1) core deposit products (checking and savings for business and personal), (2) lending services (commercial/real estate loans, SBA loans, residential mortgages, HELOCs, business credit cards), (3) specialty banking programs (MD Advantage for healthcare providers, Jurist Advantage for law firms, Association Banking, Global/Correspondent Banking, Nonprofit Organizations, and Private Client Group), (4) deposit enhancement through Century Secure Plus (ICS/CDARS via IntraFi network for multi-million dollar FDIC coverage), and (5) digital banking channels including Business E-Banking, Personal E-Banking with mobile access, and Treasury Management services. The bank serves SMBs, professionals, entrepreneurs, and individual consumers in the South Florida market.

Differentiator

Problem solved

Functional benefit

Brands

• MD Advantage: Healthcare banking service for physicians, dentists, veterinarians, and their practices
• Century Secure Plus
• Jurist Advantage
• Private Client Group

Products and services

• MD Advantage A concierge-level banking service exclusively for healthcare providers including physicians, dentists, and veterinarians, providing comprehensive deposit accounts, lending options, and treasury management services tailored to medical practices.
• Jurist Advantage Full suite of banking services designed for law firms and their partners, delivered by a relationship-focused team to help grow and prosper legal practices.
• Century Secure Plus (ICS/CDARS) FDIC insurance coverage enhancement service through the IntraFi network that allows clients to access multi-million-dollar FDIC coverage (up to $150,000,000) for checking, money market, and certificate of deposit accounts while earning interest.
• Business Checking Commercial checking accounts supporting daily business banking needs with features for commercial lending, transaction processing, and business financial management.
• Business Savings Savings accounts for business owners with competitive rates to help businesses grow their deposits and manage finances.
• Small Business/SBA Loans Small Business Administration lending solutions that provide small business owners with favorable program terms and conditions for business growth and expansion.
• Commercial/Real Estate Loans Commercial lending services including real estate financing to support commercial borrowers' financial business needs and property investments.
• Business Credit Cards Credit card products designed for business owners to manage business expenses and access credit for business operations.
• Personal Checking Personal checking accounts offering banking solutions to build strong personal relationships and financial success for individual customers.
• Personal Savings Savings accounts for personal banking customers with competitive rates and financial planning support.
• Residential Loans Home financing solutions including mortgage products for personal banking customers purchasing or refinancing homes.
• Home Equity Line of Credit (HELOC) Revolving credit line secured by home equity, allowing homeowners to access funds for various purposes with flexible repayment options.
• International Personal Banking Banking services designed for personal customers with international banking needs, including foreign currency and cross-border transaction support.
• Personal Credit Cards Credit card products for personal banking customers with various reward programs and benefits.
• Private Client Group Premium banking services for high-net-worth individuals and families providing personalized financial solutions and dedicated relationship management.
• Association Banking Banking services for community and homeowner associations, with relationship bankers experienced in handling the specialized requirements of HOAs and similar organizations.
• Global Banking (Correspondent Banking) Correspondent banking services delivering responsive and experienced service to institutional banking clients with integrated banking solutions and a high-touch approach.
• Nonprofit Organizations Banking Banking solutions tailored for nonprofit organizations including churches, charities, and other mission-driven entities.
• Business E-Banking Online banking platform for business customers providing access to account management, transactions, and financial services through digital channels.
• Personal E-Banking Online and mobile banking services for personal customers enabling account access, transfers, bill payments, and transaction monitoring.
• Treasury Management Cash management services including Mobile Banking, Treasury Services, ACH, Wire Transfers, Positive Pay, Remote Deposit Capture, and Zelle for business and personal customers.

Quantifiable outcome

• Record Q1 2026 with $0.51 diluted EPS (33% YoY increase) and $9.4 million net income (22% YoY increase)
• +2 more outcomes

Named customers2 records

Segments7 records

Ideal customer profiles8 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

One partnership is on record.

• IntraFicoreTechnology or IntegrationU.S. Century Bank partners with IntraFi Network to offer ICS (IntraFi Cash Service) and CDARS (Certificate of Deposit Account Registry Service) through its Century Secure Plus program. This partnership enables the bank to provide FDIC insurance coverage up to $150 million for deposit amounts larger than the standard $250,000 maximum through the IntraFi network of FDIC-insured banks.

Scale indicators10 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Ocean Bank: Miami-headquartered community bank with a similar Hispanic/Latin market focus, SMB and commercial lending book, and South Florida branch footprint. Closest direct comparable to USCB by geography, customer base, and size.
• City National Bank of Florida: Miami-based commercial and private banking franchise serving SMBs, professionals, and high-net-worth clients in South Florida. Directly comparable in market, segment specialization, and product mix to USCB.
• Eastern National Bank: Florida-based community bank focused on relationship banking and SMB lending in the South Florida market. Comparable by geography, size, and commercial-banking emphasis.
• Apollo Bank: Miami-based community bank (acquired by Seacoast) with deep South Florida SMB and CRE lending franchise. Comparable by market, customer profile, and lending focus.
• Seacoast Banking Corporation of Florida: Florida-focused community bank holding company (formerly including Apollo Bank, where board member Ramon Rodriguez served as President). Comparable community-banking franchise with Florida CRE and SMB lending exposure.
• Professional Bank: Florida-based community bank serving SMBs and professionals, with comparable size and relationship-banking model. Direct peer in the Florida community banking space.
• Intercredit Bank: Miami-based community bank serving SMBs with international and domestic banking services. Comparable in size, South Florida focus, and SMB customer base.
• Pacific National Bank: Florida-headquartered community bank with a relationship-based model serving SMBs and professionals in South Florida. Comparable franchise by geography, size, and customer mix.
• BAC Florida Bank: Miami-based community bank with strong Latin America/Hispanic client focus, offering personal and business banking. Comparable to USCB in South Florida footprint and Hispanic customer alignment.

Broad incumbents

• BankUnited: Large Florida-headquartered bank with comparable commercial and SMB banking focus across South Florida. Larger scale and broader product set position it as a broad incumbent competing against USCB in the same geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/uscenturybank
• YouTubeyoutube.com/channel/UCd1w9kHiHM7_IfDs_J4Z-Lg
• Facebookfacebook.com/uscenturybank
• LinkedInlinkedin.com/company/u-s-century-bank
• Instagraminstagram.com/uscenturybank

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about US Century Bank