{"schema_version":"secwatch.filing_event.v1","accession":"0001562762-24-000098","form_type":"8-K","ticker":"USCB","cik":"0001901637","company_name":"USCB FINANCIAL HOLDINGS, INC.","filed_at":"2024-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:21.151807+00:00","generated_at":"2026-06-03T08:16:57.516951+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"USCB Financial Q1 EPS $0.23, down from $0.29; deposits grow $165.7M; new buyback of 500k shares","bullets":["Net income $4.6M, diluted EPS $0.23 vs $5.8M, $0.29 in Q1 2023; NIM narrowed to 2.62% from 3.22%.","Total deposits $2.1B, up $165.7M from Dec 31, 2023; loans grew 15.2% YoY to $1.8B.","Board approved new share repurchase program of up to 500k shares (~2.5% of outstanding).","Quarterly cash dividend of $0.05 per share declared, payable June 5, 2024.","Non-performing loans remained minimal at 0.03%; ACL ratio 1.18%."],"urls":{"canonical":"https://secwatch.observer/filing/0001562762-24-000098","json":"https://secwatch.observer/filing/0001562762-24-000098.json","markdown":"https://secwatch.observer/filing/0001562762-24-000098.md","text":"https://secwatch.observer/filing/0001562762-24-000098.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1901637/000156276224000098/0001562762-24-000098-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1901637/000156276224000098/uscb-20240425.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T08:16:57.516951+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":"b52010d6a4c5ec184425d0492f6db51ba4254bd8","claim":"USCB FINANCIAL HOLDINGS, INC. reported the three months ended March 31, 2024 results: net income $4.6 million, EPS $0.23 per diluted share.","evidence_excerpt":"reported net income of $4.6 million or $0.23 per diluted share for the three months ended March 31, 2024","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1901637/000156276224000098/0001562762-24-000098-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended March 31, 2024"},{"label":"Net income","value":"$4.6 million"},{"label":"EPS","value":"$0.23 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"}