{"schema_version":"secwatch.filing_event.v1","accession":"0001562762-26-000054","form_type":"8-K","ticker":"USCB","cik":"0001901637","company_name":"USCB FINANCIAL HOLDINGS, INC.","filed_at":"2026-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.261455+00:00","generated_at":"2026-05-15T04:38:23.410302+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"USCB Financial Holdings Q1 EPS $0.51, net income up 22% to $9.4M","bullets":["Diluted EPS $0.51 vs $0.38 YoY; net income $9.4M, up 22%.","ROAA 1.34%, ROAE 17.07%, net interest margin 3.27%.","Loans held for investment $2.2B (+10.1%); deposits $2.5B (+8.0%).","Non-performing loans ratio 0.16%; ACL 1.16% of loans.","Quarterly dividend $0.125/sh, payable June 5; tangible book value $12.23."],"urls":{"canonical":"https://secwatch.observer/filing/0001562762-26-000054","json":"https://secwatch.observer/filing/0001562762-26-000054.json","markdown":"https://secwatch.observer/filing/0001562762-26-000054.md","text":"https://secwatch.observer/filing/0001562762-26-000054.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1901637/000156276226000054/0001562762-26-000054-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1901637/000156276226000054/uscb-20260423.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:38:23.410302+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":[{"claim_id":"e8e076826a3d2ad48eb1b6c7614e07c3dcb9a591","claim":"USCB FINANCIAL HOLDINGS, INC. reported three months ended March 31, 2026 results: net income $9.4 million, EPS $0.51 per fully diluted share.","evidence_excerpt":"MIAMI, FL – April 23, 2026 – USCB Financial Holdings, Inc. (the “Company”) (NASDAQ: USCB) , the holding company for U.S. Century Bank (the “Bank”), reported net income of $9.4 million or $0.51 per fully diluted share for the three months ended March 31, 2026, compared with net income of $7.7 million or $0.38 per fully diluted share for the same period in 2025.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1901637/000156276226000054/0001562762-26-000054-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended March 31, 2026"},{"label":"Net income","value":"$9.4 million"},{"label":"EPS","value":"$0.51 per fully diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}