secwatch.observer — SEC 8-K summary
======================================

Issuer:     USCB FINANCIAL HOLDINGS, INC. (USCB)
CIK:        0001901637
Form:       8-K
Filed at:   2024-07-25T23:59:59+00:00
Accession:  0001562762-24-000181
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1901637/000156276224000181/0001562762-24-000181-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1901637/000156276224000181/uscb-20240725.htm
  HTML page:      https://secwatch.observer/filing/0001562762-24-000181

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer