{"schema_version":"secwatch.filing_event.v1","accession":"0001562762-23-000297","form_type":"8-K","ticker":"USCB","cik":"0001901637","company_name":"USCB FINANCIAL HOLDINGS, INC.","filed_at":"2023-07-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.038986+00:00","generated_at":"2026-06-13T00:58:02.759673+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"USCB Q2 EPS $0.21 vs $0.26 YoY; NIM falls to 2.73%","bullets":["Net income $4.2M ($0.21 diluted) vs $5.3M ($0.26) in Q2 2022; annualized ROAA 0.77% from 1.08%.","Net interest margin 2.73%, down from 3.37%; NII before provision fell 9.4% to $14.2M.","Loans grew 16.3% YoY to $1.6B; deposits up 10.5% to $1.9B; total assets $2.2B.","Company repurchased 77,603 shares at weighted avg $9.58; $746.9K spent.","Luis de la Aguilera appointed Chairman effective June 28, succeeding Aida Levitan."],"urls":{"canonical":"https://secwatch.observer/filing/0001562762-23-000297","json":"https://secwatch.observer/filing/0001562762-23-000297.json","markdown":"https://secwatch.observer/filing/0001562762-23-000297.md","text":"https://secwatch.observer/filing/0001562762-23-000297.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1901637/000156276223000297/0001562762-23-000297-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1901637/000156276223000297/uscb-20230727.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T00:58:02.759673+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":"3220fdb138a2a940069a18ada93095efa7b09537","claim":"USCB FINANCIAL HOLDINGS, INC. reported second quarter ended June 30, 2023 results: net income $4.2 million, EPS $0.21 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 $4.2 million or $0.21 per diluted share for the three months ended June 30, 2023, compared with net income of $5.3 million or $0.26 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/1901637/000156276223000297/0001562762-23-000297-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"second quarter ended June 30, 2023"},{"label":"Net income","value":"$4.2 million"},{"label":"EPS","value":"$0.21 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"}