{"schema_version":"secwatch.filing_event.v1","accession":"0001562762-23-000381","form_type":"8-K","ticker":"USCB","cik":"0001901637","company_name":"USCB FINANCIAL HOLDINGS, INC.","filed_at":"2023-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.356147+00:00","generated_at":"2026-06-09T08:52:59.799512+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 Q3 net income $3.8M ($0.19 EPS), down 32% YoY; NIM contracts to 2.60%","bullets":["Net income $3.8M ($0.19 diluted EPS) vs $5.6M ($0.28) in Q3 2022; NII $14.0M, down 16.4% YoY.","Net interest margin 2.60% vs 3.47% YoY; September NIM improved to 2.70%.","Total loans $1.7B (+17.1% YoY); new loan weighted avg coupon 8.00%.","Efficiency ratio 64.64% vs 54.58% YoY; non-interest expense up 3.2%.","Tangible book value $9.36 per share, impacted by $51.2M AOCI ($2.62 per share)."],"urls":{"canonical":"https://secwatch.observer/filing/0001562762-23-000381","json":"https://secwatch.observer/filing/0001562762-23-000381.json","markdown":"https://secwatch.observer/filing/0001562762-23-000381.md","text":"https://secwatch.observer/filing/0001562762-23-000381.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1901637/000156276223000381/0001562762-23-000381-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1901637/000156276223000381/uscb-20231026.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T08:52:59.799512+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":"084e1e58e877a314a9139c57d4c434a6bb6f9d40","claim":"USCB FINANCIAL HOLDINGS, INC. reported third quarter ended September 30, 2023 results: net income $3.8 million, EPS $0.19 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 $3.8 million or $0.19 per diluted share for the three months ended September 30, 2023, compared with net income of $5.6 million or $0.28 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/1901637/000156276223000381/0001562762-23-000381-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter ended September 30, 2023"},{"label":"Net income","value":"$3.8 million"},{"label":"EPS","value":"$0.19 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"}