{"schema_version":"secwatch.filing_event.v1","accession":"0001562762-25-000257","form_type":"8-K","ticker":"USCB","cik":"0001901637","company_name":"USCB FINANCIAL HOLDINGS, INC.","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.025962+00:00","generated_at":"2026-05-17T02:34:07.921448+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"USCB reports record Q3 EPS $0.45, ROAE 15.74%; issues $40M sub notes, repurchases 2M shares","bullets":["Record fully diluted EPS of $0.45, up from $0.35 YoY; net income $8.9M.","Annualized ROAA 1.27%, ROAE 15.74%; efficiency ratio 52.28%.","Net interest income $21.3M, up 17.5% YoY; net interest margin 3.14%.","Total deposits $2.5B (+15.5%), loans $2.1B (+10.3%); NPL ratio 0.06%.","Issued $40M subordinated notes 7.625% due 2035; repurchased 2M shares at $17.19."],"urls":{"canonical":"https://secwatch.observer/filing/0001562762-25-000257","json":"https://secwatch.observer/filing/0001562762-25-000257.json","markdown":"https://secwatch.observer/filing/0001562762-25-000257.md","text":"https://secwatch.observer/filing/0001562762-25-000257.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1901637/000156276225000257/0001562762-25-000257-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1901637/000156276225000257/uscb-20251023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:34:07.921448+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"}