---
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"
generated_at: "2026-05-30T07:40:46.914187+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# USCB Financial Holdings reports record Q3 EPS of $0.35, up 84% YoY; ROAA 1.11%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-24-000246
- JSON: https://secwatch.observer/filing/0001562762-24-000246.json
- Plain text: https://secwatch.observer/filing/0001562762-24-000246.txt

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