---
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"
generated_at: "2026-06-16T09:29:09.490678+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# USCB Financial Q1 net income $5.8M, EPS $0.29, vs $0.24 YoY; loans up 25.6%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-23-000176
- JSON: https://secwatch.observer/filing/0001562762-23-000176.json
- Plain text: https://secwatch.observer/filing/0001562762-23-000176.txt

## Key facts
- Earnings Releases
  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.
  - Period: first quarter ended March 31, 2023
  - Net income: net income of $5.8 million
  - EPS: $0.29 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 $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_url: https://www.sec.gov/Archives/edgar/data/1901637/000156276223000176/0001562762-23-000176-index.htm

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