US Century Bank
USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various personal and business banking products and services in the United States. The company offers small business administration and yacht lending services; homeowners association services, including deposit collection, lockbox services, payment services, and lending products; jurist advantage… Read more
US Century Bank (USCB) - Net Assets
Latest net assets as of December 2025: $212.39 Million USD
Based on the latest financial reports, US Century Bank (USCB) has net assets worth $212.39 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.80 Billion) and total liabilities ($2.59 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $212.39 Million |
| % of Total Assets | 7.59% |
| Annual Growth Rate | 4.8% |
| 5-Year Change | 4.17% |
| 10-Year Change | N/A |
| Growth Volatility | 9.48 |
US Century Bank - Net Assets Trend (2019–2025)
This chart illustrates how US Century Bank's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for US Century Bank (2019–2025)
The table below shows the annual net assets of US Century Bank from 2019 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $212.39 Million | -1.39% |
| 2024-12-31 | $215.39 Million | +12.20% |
| 2023-12-31 | $191.97 Million | +5.23% |
| 2022-12-31 | $182.43 Million | -10.53% |
| 2021-12-31 | $203.90 Million | +19.24% |
| 2020-12-31 | $171.00 Million | +6.69% |
| 2019-12-31 | $160.28 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to US Century Bank's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 649800000.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $20.08 Million | 9.45% |
| Other Comprehensive Income | $-17.76 Million | -8.36% |
| Other Components | $277.89 Million | 130.84% |
| Total Equity | $212.39 Million | 100.00% |
US Century Bank Competitors by Market Cap
The table below lists competitors of US Century Bank ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Moso Power Supply Technology Co Ltd
SHE:002660
|
$264.10 Million |
|
Guangdong Huiyun Titanium Industry
SHE:300891
|
$264.10 Million |
|
Qingdao NovelBeam Technology Co. Ltd. A
SHG:688677
|
$264.14 Million |
|
Ginwa Enterprise Group Inc
SHG:600080
|
$264.23 Million |
|
Zhuhai Rundu Pharmaceutical Co Ltd Class A
SHE:002923
|
$264.01 Million |
|
Hengerda New Materials (Fujian) Co. Ltd.
SHE:300946
|
$264.00 Million |
|
CLS Holdings plc
PINK:CLIHF
|
$263.93 Million |
|
PT Hanjaya Mandala Sampoerna Tbk
PINK:PHJMF
|
$263.84 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in US Century Bank's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 215,388,000 to 212,393,000, a change of -2,995,000 (-1.4%).
- Net income of 26,100,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 26,774,000.
- Other factors decreased equity by 55,869,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $26.10 Million | +12.29% |
| Other Comprehensive Income | $26.77 Million | +12.61% |
| Other Changes | $-55.87 Million | -26.3% |
| Total Change | $- | -1.39% |
Book Value vs Market Value Analysis
This analysis compares US Century Bank's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.57x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has increased from 1.14x to 1.57x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2019-12-31 | $15.93 | $18.15 | x |
| 2020-12-31 | $8.82 | $18.15 | x |
| 2021-12-31 | $10.42 | $18.15 | x |
| 2022-12-31 | $9.04 | $18.15 | x |
| 2023-12-31 | $9.75 | $18.15 | x |
| 2024-12-31 | $10.86 | $18.15 | x |
| 2025-12-31 | $11.58 | $18.15 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently US Century Bank utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 12.29%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 17.16%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 13.18x
- Recent ROE (12.29%) is above the historical average (8.43%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2019 | 6.48% | 23.22% | 0.03x | 8.19x | $-5.64 Million |
| 2020 | 6.33% | 18.42% | 0.04x | 8.78x | $-6.28 Million |
| 2021 | 2.77% | 37.59% | 0.01x | 9.09x | $-14.74 Million |
| 2022 | 11.04% | 26.44% | 0.04x | 11.43x | $1.90 Million |
| 2023 | 8.62% | 15.26% | 0.05x | 12.18x | $-2.65 Million |
| 2024 | 11.46% | 17.14% | 0.06x | 11.98x | $3.14 Million |
| 2025 | 12.29% | 17.16% | 0.05x | 13.18x | $4.86 Million |
Industry Comparison
This section compares US Century Bank's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| US Century Bank (USCB) | $212.39 Million | 6.48% | 12.18x | $264.06 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |