---
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"
generated_at: "2026-05-17T02:34:07.921448+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# USCB reports record Q3 EPS $0.45, ROAE 15.74%; issues $40M sub notes, repurchases 2M shares

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-25-000257
- JSON: https://secwatch.observer/filing/0001562762-25-000257.json
- Plain text: https://secwatch.observer/filing/0001562762-25-000257.txt

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