{"schema_version":"secwatch.filing_event.v1","accession":"0001562762-23-000176","form_type":"8-K","ticker":"USCB","cik":"0001901637","company_name":"USCB FINANCIAL HOLDINGS, INC.","filed_at":"2023-04-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:41.549447+00:00","generated_at":"2026-06-16T09:29:09.490678+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"USCB Financial Q1 net income $5.8M, EPS $0.29, vs $0.24 YoY; loans up 25.6%","bullets":["Net income $5.8M ($0.29 diluted EPS) vs $4.9M ($0.24) in Q1 2022; ROAA 1.11% vs 1.03%.","Net interest income $16.0M, up 11.3% YoY; net interest margin stable at 3.22%.","Total loans $1.6B (+25.6% YoY), deposits $1.8B (+6.8%); NPLs just 0.03%.","Adopted CECL effective Jan 1, 2023; one-time $1.0M after-tax retained earnings reduction.","Repurchased 500k shares at $11.74 avg, $5.9M total; 250k shares remain authorized."],"urls":{"canonical":"https://secwatch.observer/filing/0001562762-23-000176","json":"https://secwatch.observer/filing/0001562762-23-000176.json","markdown":"https://secwatch.observer/filing/0001562762-23-000176.md","text":"https://secwatch.observer/filing/0001562762-23-000176.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1901637/000156276223000176/0001562762-23-000176-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1901637/000156276223000176/uscb-20230427.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T09:29:09.490678+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":"91b4c87e1ff8e3338fbba96f81030558cdccc500","claim":"USCB FINANCIAL HOLDINGS, INC. reported first quarter ended March 31, 2023 results: net income net income of $5.8 million, EPS $0.29 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 $5.8 million or $0.29 per diluted share for the three months ended March 31, 2023, compared with net income of $4.9 million or $0.24 per diluted share, for the same period in 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1901637/000156276223000176/0001562762-23-000176-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter ended March 31, 2023"},{"label":"Net income","value":"net income of $5.8 million"},{"label":"EPS","value":"$0.29 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"}