23 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 2, 2026.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 2, 2026
Call-report figures are for U. S. Century Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCFD2170 or RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | U. S. Century Bank's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $559K in Q2 2026, 2.9% above the same quarter a year earlier ($543K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
Compared at $38, its standard fee, the highest of its prices
NSF / Returned Item
Non-Network ATM
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 4.7% from Q3 2025 to Q2 2026, to $559K.
$559K
U. S. Century BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
U. S. Century Bank · $3B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| U. S. Century Bank(this institution) | Doral, FL | $3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| ANB Bank | Denver, CO | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank Independent | Sheffield, AL | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| BayCoast Bank | Swansea, MA | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| BCB Community Bank | Bayonne, NJ | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| CB&S Bank, Inc. | Russellville, AL | $3.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cedar Rapids Bank and Trust Company | Cedar Rapids, IA | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Centreville Bank | West Warwick, RI | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farmers Bank & Trust Company | Magnolia, AR | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Federal Savings and Loan Association of Lakewood | Lakewood, OH | $2.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Fidelity Bank | Oklahoma City, OK | $3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Industrial and Commercial Bank of China USA, National Association | New York, NY | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Lawrence Bank | Nashville, TN | $3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Maine Community Bank | Portland, ME | $3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mascoma Bank | Lebanon, NH | $3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Merchants Bank, National Association | Winona, MN | $2.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Midwest BankCentre | Lemay, MO | $3.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Minnwest Bank | Redwood Falls, MN | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Monet Bank | Plano, TX | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| National Exchange Bank and Trust | Fond du Lac, WI | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| NEXTIER BANK, NATIONAL ASSOCIATION | Kittanning, PA | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northwest Bank | Spencer, IA | $3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Penn Community Bank | Doylestown, PA | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Susser Bank | Dallas, TX | $3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| UniBank for Savings | Whitinsville, MA | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wayne Bank | Honesdale, PA | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $9.97 among 15 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.
Monthly maintenance fee in dollars, one mark per institution
U. S. Century Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026. Total assets from FDIC and NCUA records.
Call reports for U. S. Century Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $559K | −$22K | −3.8% |
| Q1 2026 | $581K | −$20K | −3.3% |
| Q4 2025 | $601K | +$67K | +12.5% |
| Q3 2025 | $534K | −$9K | −1.7% |
| Q2 2025 | $543K | +$13K | +2.5% |
| Q1 2025 | $530K | +$4K | +0.8% |
| Q4 2024 | $526K | −$7K | −1.3% |
| Q3 2024 | $533K | −$34K | −6.0% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from U. S. Century Bank’s own schedules, with a source for each figure.
per hour
per month
per item
per item
per month
per item
per item
per item
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Accounts Closed within 180 days of opening | $25 | Not stated | None |
| Research (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Monthly Printed Statement Service Fee | $4.97 | per month | None |
| Printed Paper Statement Cycle Fee | $4.97 | Not stated | None |
| Excessive Activity – Money Market (per item) | $10 | per item | None |
| Excessive Activity-Savings Acct (per item) | $3 | per item | None |
| Returned mail (per month) | $20 | per month | None |
Overdraft & NSF | |||
| Overdraft Funds Paid Charge | $38 | Not stated | None |
| Uncollected Funds Charge (paid item) | $27 | Not stated | None |
| Nonsufficient Funds Return Charge | $38 | Not stated | None |
| Overdraft Coverage Transfer | $10 | Not stated | None |
ATM & Card | |||
| Non-US Century ATM Charge | $3 | Not stated | None |
| Debit Card Replacement | $10 | Not stated | None |
| ATM/Debit Cards Rush Orders | $60 | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire Transfer Fee | $40 | Not stated | None |
| Incoming Wire Transfer Fee | $15 | Not stated | None |
| Outgoing International Wire | $70 | Not stated | None |
Check Services | |||
| Cashier’s Check: Customer | $10 | Not stated | None |
| Stop Payment | $35 | Not stated | None |
| Counter Check | $1.50 | Not stated | None |
| Non-USCB Customer Check Cashing Fee | $8Not compared: Monthly charge, not per item | per month | None |
Cash & Deposit | |||
| Deposit Item Chargeback | $10 | Not stated | None |
| Night Depository Annual Fee | $35Not compared: Annual charge, not per item | per year | None |
| Night Depository Key Replacement | $25 | Not stated | None |
Account Services | |||
| Notary Service | $10 | Not stated | None |
| Boxes 2”x5” (only available at Aventura Banking Center) | $25 | Not stated | None |
| Late Fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10”x10” | $155 | Not stated | None |
| Safe Deposit Box 3”x10” | $55 | per item | None |
| Safe Deposit Box 3”x5” | $35 | per item | None |
| Safe Deposit Box 5”x10” | $105 | Not stated | None |
| Safe Deposit Box 5”x5” | $45 | per item | None |
| Safe Deposit Box Drilling | $200Not compared: Box drilling or key fee | Not stated | None |
| Levies/Garnishment/Legal Process | $100 | Not stated | None |
| Account Verification Letter | $15Not compared: Annual charge, not per item | per year | None |
| Audit Confirmation | $10 | Not stated | None |
Other Fees | |||
| Duplicate Statement | $10 | Not stated | None |
| Photocopy Document (per copy) | $2 | per item | None |
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Accounts Closed within 180 days of opening | $25 | Not stated | None |
| Research (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Printed Statement Fee | $6.95 | per month | None |
Overdraft & NSF | |||
| Overdraft Funds Paid Charge | $38 | Not stated | None |
| Uncollected Funds Charge (paid item) | $27 | Not stated | None |
| Nonsufficient Funds Return Charge | $38 | Not stated | None |
| Overdraft Coverage Transfer | $10 | Not stated | None |
ATM & Card | |||
| Non-US Century ATM Charge | $3 | Not stated | None |
| Debit Card Replacement | $10 | Not stated | None |
| ATM/Debit Cards Rush Orders | $60 | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire Transfer Fee | $40 | Not stated | None |
| Incoming Wire Transfer Fee | $15 | Not stated | None |
| Outgoing International Wire | $75 | Not stated | None |
Check Services | |||
| Cashier’s Check: Customer | $10 | Not stated | None |
| Cashier’s Check | Stop Payment | $35 | Not stated | None |
| Counter Check | $1.50 | Not stated | None |
Cash & Deposit | |||
| Deposit Item Chargeback | $10 | Not stated | None |
| Night Depository Annual Fee | $35Not compared: Annual charge, not per item | per year | None |
| Night Depository Key Replacement | $25 | Not stated | None |
Account Services | |||
| Notary Service | $10 | Not stated | None |
| Boxes 2”x5” (only available at Aventura Banking Center) | $25 | per item | None |
| Late Fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10”x10” | $155 | Not stated | None |
| Safe Deposit Box 3”x10” | $55 | Not stated | None |
| Safe Deposit Box 3”x10” | $55 | per item | None |
| Safe Deposit Box 3”x5” | $35 | Not stated | None |
| Safe Deposit Box 3”x5” | $35 | per item | None |
| Safe Deposit Box 5”x10” | $105 | Not stated | None |
| Safe Deposit Box 5”x5” | $45 | Not stated | None |
| Safe Deposit Box Drilling | $200Not compared: Box drilling or key fee | Not stated | None |
| Levies/Garnishment/Legal Process | $100 | Not stated | None |
| Audit Confirmation | $10 | per item | None |
Other Fees | |||
| Duplicate Statement | $10 | Not stated | None |
| Photocopy Document (per copy) | $2 | per item | None |
Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where U. S. Century Bank operates, and what regulators and customers have on file.
In Miami-Fort Lauderdale-West Palm Beach, FL, U. S. Century Bank holds 0.7% of bank deposits, #27 of 86, with 10 offices.
900 offices of 24 institutions shown.
Showing 900 of 1,495 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 86 institutions shown. $348.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.7% share, 10 offices, #27 of 86
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
173 offices of 39 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
USCB FINANCIAL HOLDINGS, INC. (Nasdaq: USCB)
Consolidated assets
$3.0B
Shareholders' equity
$233.2M
As of
2026Q2
Net income by quarter
Recent SEC filings
Source: SEC EDGAR filings and XBRL financial data, CIK 1901637. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.