USCB reports record Q2 2025 EPS $0.40; NIM expands to 3.28%

USCB FINANCIAL HOLDINGS, INC.

Net income $8.1M ($0.40 diluted EPS) vs $6.2M ($0.31) in Q2 2024.
ROAA 1.22%, ROAE 14.29%; NIM 3.28% vs 2.94% YoY.
Loans grew 13.1% to $2.1B; deposits up 13.6% to $2.3B.
NPL ratio 0.06%, ACL ratio 1.18%. No credit deterioration.
Quarterly dividend $0.10/share, payable Sept 5, 2025.

item 2.02item 7.01item 9.01

This headline and bullets were generated automatically by deepseek-v4-flash:cloud@v2 from the public filing. Read the source on SEC.gov before relying on any specific claim. Not investment advice. See methodology for how this pipeline works.