---
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"
generated_at: "2026-06-09T08:52:59.799512+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# USCB Q3 net income $3.8M ($0.19 EPS), down 32% YoY; NIM contracts to 2.60%

## Summary
- 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).

## SEC filing metadata
- 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
- 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/1901637/000156276223000381/0001562762-23-000381-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1901637/000156276223000381/uscb-20231026.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-23-000381
- JSON: https://secwatch.observer/filing/0001562762-23-000381.json
- Plain text: https://secwatch.observer/filing/0001562762-23-000381.txt

## Key facts
- Earnings Releases
  USCB FINANCIAL HOLDINGS, INC. reported third quarter ended September 30, 2023 results: net income $3.8 million, EPS $0.19 per diluted share.
  - Period: third quarter ended September 30, 2023
  - Net income: $3.8 million
  - EPS: $0.19 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 $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_url: https://www.sec.gov/Archives/edgar/data/1901637/000156276223000381/0001562762-23-000381-index.htm

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