USCB Financial Holdings Q2 2026 EPS $0.49, assets top $3B, NIM expands to 3.49%

USCB FINANCIAL HOLDINGS, INC.

Net income $9.1M ($0.49 diluted EPS) vs $8.1M ($0.40) in Q2 2025; ROAA 1.26%, ROAE 15.90%.
Total assets $3.0B (+11% YoY); loans held for investment $2.3B (+9.9% YoY); deposits $2.5B (+5%).
Net interest margin 3.49% (up from 3.28% YoY); efficiency ratio improved to 49.97%.
Quarterly dividend $0.125/share declared, payable Sept 4 to holders of record Aug 17.
Non-performing loans remain low at 0.09% of total loans; ACL 1.15% of loans.

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