---
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"
generated_at: "2026-06-20T08:32:43.994007+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# USCB Financial Q4 GAAP EPS $0.22, operating $0.29; securities sale loss $1.5M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-23-000024
- JSON: https://secwatch.observer/filing/0001562762-23-000024.json
- Plain text: https://secwatch.observer/filing/0001562762-23-000024.txt

## Key facts
- Earnings Releases
  USCB FINANCIAL HOLDINGS, INC. reported the fourth quarter ended December 31, 2022 results: net income $4.4 million, EPS $0.22 per diluted share.
  - Period: the fourth quarter ended December 31, 2022
  - Net income: $4.4 million
  - EPS: $0.22 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1901637/000156276223000024/0001562762-23-000024-index.htm

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