---
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"
generated_at: "2026-05-16T14:20:07.008979+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927089-25-000213
- JSON: https://secwatch.observer/filing/0000927089-25-000213.json
- Plain text: https://secwatch.observer/filing/0000927089-25-000213.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.