---
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"
generated_at: "2026-06-13T00:58:02.759673+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# USCB Q2 EPS $0.21 vs $0.26 YoY; NIM falls to 2.73%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/1901637/000156276223000297/0001562762-23-000297-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1901637/000156276223000297/uscb-20230727.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-23-000297
- JSON: https://secwatch.observer/filing/0001562762-23-000297.json
- Plain text: https://secwatch.observer/filing/0001562762-23-000297.txt

## Key facts
- Earnings Releases
  USCB FINANCIAL HOLDINGS, INC. reported second quarter ended June 30, 2023 results: net income $4.2 million, EPS $0.21 per diluted share.
  - Period: second quarter ended June 30, 2023
  - Net income: $4.2 million
  - EPS: $0.21 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 $4.2 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_url: https://www.sec.gov/Archives/edgar/data/1901637/000156276223000297/0001562762-23-000297-index.htm

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