{"schema_version":"secwatch.filing_event.v1","accession":"0001562762-26-000082","form_type":"8-K","ticker":"USCB","cik":"0001901637","company_name":"USCB FINANCIAL HOLDINGS, INC.","filed_at":"2026-07-23T20:00:18+00:00","discovered_at":"2026-07-23T20:02:00.265767+00:00","generated_at":"2026-07-23T20:02:26.667572+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 Q2 2026 EPS $0.49, assets top $3B, NIM expands to 3.49%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001562762-26-000082","json":"https://secwatch.observer/filing/0001562762-26-000082.json","markdown":"https://secwatch.observer/filing/0001562762-26-000082.md","text":"https://secwatch.observer/filing/0001562762-26-000082.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1901637/000156276226000082/0001562762-26-000082-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1901637/000156276226000082/uscb-20260723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-23T20:02:26.667572+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"}