{"schema_version":"secwatch.filing_event.v1","accession":"0001562762-25-000172","form_type":"8-K","ticker":"USCB","cik":"0001901637","company_name":"USCB FINANCIAL HOLDINGS, INC.","filed_at":"2025-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:45.557233+00:00","generated_at":"2026-05-18T02:36:39.144704+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"USCB reports record Q2 2025 EPS $0.40; NIM expands to 3.28%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001562762-25-000172","json":"https://secwatch.observer/filing/0001562762-25-000172.json","markdown":"https://secwatch.observer/filing/0001562762-25-000172.md","text":"https://secwatch.observer/filing/0001562762-25-000172.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1901637/000156276225000172/0001562762-25-000172-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1901637/000156276225000172/uscb-20250724.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T02:36:39.144704+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"}