USCB Financial Holdings sells $44.6M in low-yield securities; expects $5.6M after-tax loss

USCB FINANCIAL HOLDINGS, INC.

Sold $44.6M in AFS securities (weighted avg yield 1.70%) to redeploy into higher-yielding CRE loans.
Estimated one-time after-tax loss of $5.6M recorded in Q4 2025.
Expects ~3.5 year capital earn back and $0.08 EPS accretion over next four quarters.
Net interest margin expansion beginning Q1 2026, adding ~7 bps annually.
Bank remains well-capitalized post-transaction.

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