---
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"
generated_at: "2026-07-23T20:02:26.667572+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-26-000082
- JSON: https://secwatch.observer/filing/0001562762-26-000082.json
- Plain text: https://secwatch.observer/filing/0001562762-26-000082.txt

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