secwatch.observer — SEC 8-K summary
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Issuer:     USCB FINANCIAL HOLDINGS, INC. (USCB)
CIK:        0001901637
Form:       8-K
Filed at:   2026-07-23T20:00:18+00:00
Accession:  0001562762-26-000082
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1901637/000156276226000082/0001562762-26-000082-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1901637/000156276226000082/uscb-20260723.htm
  HTML page:      https://secwatch.observer/filing/0001562762-26-000082

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