secwatch.observer — SEC 8-K summary
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Issuer:     USCB FINANCIAL HOLDINGS, INC. (USCB)
CIK:        0001901637
Form:       8-K
Filed at:   2025-04-24T23:59:59+00:00
Accession:  0001562762-25-000090
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1901637/000156276225000090/0001562762-25-000090-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1901637/000156276225000090/uscb-20250424.htm
  HTML page:      https://secwatch.observer/filing/0001562762-25-000090

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