USCB Financial posts record diluted EPS of $0.31 in Q2 2024; net income $6.2M up 48% YoY

USCB FINANCIAL HOLDINGS, INC.

Net income $6.2M ($0.31 diluted EPS) vs $4.2M ($0.21) in Q2 2023; record EPS since going public.
Net interest income $17.3M (+22.1% YoY); NIM expanded to 2.94% from 2.73%.
Total loans $1.9B (+17.1% YoY); deposits $2.1B (+7.0%); NPL ratio 0.04%.
Efficiency ratio improved to 56.33% from 65.25%; ROAA 1.01% (vs 0.77%).
Declared $0.05/share dividend payable Sept 5; repurchased 25k shares at $12.04 avg.

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