secwatch.observer — SEC 8-K summary
======================================

Issuer:     USCB FINANCIAL HOLDINGS, INC. (USCB)
CIK:        0001901637
Form:       8-K
Filed at:   2025-07-24T23:59:59+00:00
Accession:  0001562762-25-000172
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1901637/000156276225000172/0001562762-25-000172-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1901637/000156276225000172/uscb-20250724.htm
  HTML page:      https://secwatch.observer/filing/0001562762-25-000172

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer