---
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"
generated_at: "2026-05-18T02:36:39.144704+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-25-000172
- JSON: https://secwatch.observer/filing/0001562762-25-000172.json
- Plain text: https://secwatch.observer/filing/0001562762-25-000172.txt

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