{"schema_version":"secwatch.filing_event.v1","accession":"0001562762-24-000181","form_type":"8-K","ticker":"USCB","cik":"0001901637","company_name":"USCB FINANCIAL HOLDINGS, INC.","filed_at":"2024-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.161426+00:00","generated_at":"2026-05-31T16:23:11.257960+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"USCB Financial posts record diluted EPS of $0.31 in Q2 2024; net income $6.2M up 48% YoY","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001562762-24-000181","json":"https://secwatch.observer/filing/0001562762-24-000181.json","markdown":"https://secwatch.observer/filing/0001562762-24-000181.md","text":"https://secwatch.observer/filing/0001562762-24-000181.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1901637/000156276224000181/0001562762-24-000181-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1901637/000156276224000181/uscb-20240725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T16:23:11.257960+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}