{"schema_version":"secwatch.filing_event.v1","accession":"0001562762-24-000246","form_type":"8-K","ticker":"USCB","cik":"0001901637","company_name":"USCB FINANCIAL HOLDINGS, INC.","filed_at":"2024-10-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.310139+00:00","generated_at":"2026-05-30T07:40:46.914187+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"USCB Financial Holdings reports record Q3 EPS of $0.35, up 84% YoY; ROAA 1.11%","bullets":["Net income $6.9M ($0.35 diluted EPS) vs $3.8M ($0.19) in Q3 2023, a record.","Net interest margin expanded to 3.03% from 2.60%; net interest income up 29% to $18.1M.","Total loans grew 15.2% YoY to $1.9B; deposits up 10.7% to $2.1B.","Non-interest income surged 59% to $3.4M; efficiency ratio improved to 53.16%.","Declared $0.05/share dividend payable Dec 5, 2024; repurchased 10k shares at ~$12.03."],"urls":{"canonical":"https://secwatch.observer/filing/0001562762-24-000246","json":"https://secwatch.observer/filing/0001562762-24-000246.json","markdown":"https://secwatch.observer/filing/0001562762-24-000246.md","text":"https://secwatch.observer/filing/0001562762-24-000246.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1901637/000156276224000246/0001562762-24-000246-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1901637/000156276224000246/uscb-20241031.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T07:40:46.914187+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"}