---
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"
generated_at: "2026-05-31T16:23:11.257960+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-24-000181
- JSON: https://secwatch.observer/filing/0001562762-24-000181.json
- Plain text: https://secwatch.observer/filing/0001562762-24-000181.txt

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