{"schema_version":"secwatch.filing_event.v1","accession":"0001562762-23-000024","form_type":"8-K","ticker":"USCB","cik":"0001901637","company_name":"USCB FINANCIAL HOLDINGS, INC.","filed_at":"2023-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.413563+00:00","generated_at":"2026-06-20T08:32:43.994007+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"USCB Financial Q4 GAAP EPS $0.22, operating $0.29; securities sale loss $1.5M","bullets":["Net income $4.4M ($0.22 diluted EPS) vs $5.7M ($0.30) in Q4 2021; Non-GAAP operating net income $5.9M ($0.29) vs $5.6M ($0.30).","Sold $17.0M lower-yielding securities after-tax loss of $1.5M ($0.07 EPS); reinvestment expected to add $0.03 EPS in 2023.","Net interest margin expanded to 3.45% from 3.19%; net interest income up 19.8% to $16.9M.","Total loans grew 26.7% YoY to $1.5B; total deposits up 15.0% to $1.8B; total assets $2.1B.","Stockholders' equity down 10.5% to $182.4M due to $44.8M unrealized securities losses; tangible book value $9.12/share."],"urls":{"canonical":"https://secwatch.observer/filing/0001562762-23-000024","json":"https://secwatch.observer/filing/0001562762-23-000024.json","markdown":"https://secwatch.observer/filing/0001562762-23-000024.md","text":"https://secwatch.observer/filing/0001562762-23-000024.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1901637/000156276223000024/0001562762-23-000024-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1901637/000156276223000024/uscb-8K-20220127.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T08:32:43.994007+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":[{"claim_id":"a78c7168398352e73e740e6217092460318fd89f","claim":"USCB FINANCIAL HOLDINGS, INC. reported the fourth quarter ended December 31, 2022 results: net income $4.4 million, EPS $0.22 per diluted share.","evidence_excerpt":"USCB Financial Holdings, Inc. (the “Company”) (NASDAQ: USCB) , the holding company for U.S. Century Bank (the “Bank”), reported net income of $4.4 million or $0.22 per diluted share for the three months ended December 31, 2022, compared with net income of $5.7 million or $0.30 per diluted share, for the same period in 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1901637/000156276223000024/0001562762-23-000024-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter ended December 31, 2022"},{"label":"Net income","value":"$4.4 million"},{"label":"EPS","value":"$0.22 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}