{"schema_version":"secwatch.filing_event.v1","accession":"0001562762-25-000090","form_type":"8-K","ticker":"USCB","cik":"0001901637","company_name":"USCB FINANCIAL HOLDINGS, INC.","filed_at":"2025-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.426433+00:00","generated_at":"2026-05-23T07:20:14.088708+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 posts record Q1 EPS of $0.38 (+65% YoY); ROAA 1.19%, NIM expands to 3.10%","bullets":["Net income $7.7M, diluted EPS $0.38 vs $0.23 Q1 2024; ROAA 1.19% (vs 0.76%); ROAE 14.15% (vs 9.61%).","Net interest income $19.1M, up 26.1% YoY; NIM expanded 48 bps to 3.10%.","Loans held for investment $2.0B (+11.8% YoY); total deposits $2.3B (+9.8%); total assets $2.7B (+7.6%).","Board declared $0.10/share cash dividend, payable June 5, 2025 to shareholders of record May 15.","Non-performing loans rose to $4.2M (0.20% of loans) from $456K (0.03%) YoY, but overall asset quality remains clean."],"urls":{"canonical":"https://secwatch.observer/filing/0001562762-25-000090","json":"https://secwatch.observer/filing/0001562762-25-000090.json","markdown":"https://secwatch.observer/filing/0001562762-25-000090.md","text":"https://secwatch.observer/filing/0001562762-25-000090.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1901637/000156276225000090/0001562762-25-000090-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1901637/000156276225000090/uscb-20250424.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T07:20:14.088708+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"}