---
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"
generated_at: "2026-05-23T07:20:14.088708+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# USCB posts record Q1 EPS of $0.38 (+65% YoY); ROAA 1.19%, NIM expands to 3.10%

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1901637/000156276225000090/0001562762-25-000090-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1901637/000156276225000090/uscb-20250424.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-25-000090
- JSON: https://secwatch.observer/filing/0001562762-25-000090.json
- Plain text: https://secwatch.observer/filing/0001562762-25-000090.txt

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