{"schema_version":"secwatch.filing_event.v1","accession":"0000927089-25-000213","form_type":"8-K","ticker":"USCB","cik":"0001901637","company_name":"USCB FINANCIAL HOLDINGS, INC.","filed_at":"2025-12-05T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.026368+00:00","generated_at":"2026-05-16T14:20:07.008979+00:00","sec_items":["2.02","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"USCB Financial Holdings sells $44.6M in low-yield securities; expects $5.6M after-tax loss","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000927089-25-000213","json":"https://secwatch.observer/filing/0000927089-25-000213.json","markdown":"https://secwatch.observer/filing/0000927089-25-000213.md","text":"https://secwatch.observer/filing/0000927089-25-000213.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1901637/000092708925000213/0000927089-25-000213-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1901637/000092708925000213/uscb20251204_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T14:20:07.008979+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}