USCB posts record Q3 net income of $9.5M, EPS $0.51 vs $0.45 a year ago

USCB FINANCIAL HOLDINGS, INC.

Net income $9.5M, or $0.51 per diluted share, vs $8.9M/$0.45 in Q3 2025; nine-month net income $28.0M already exceeds every full year since 2021 IPO.
Net interest income rose 14.2% to $24.3M; NIM expanded 23 bps to 3.37%; ROAA 1.27% and ROAE 16.03% vs 15.74%.
Loans grew 9.0% YoY to $2.3B and total assets rose 8.8% to $3.0B; deposits slipped 0.4% to $2.4B.
Non-performing loans rose to $7.7M (0.33% of loans) from $1.3M (0.06%); provision was $53K; ACL was $27.0M, or 1.16% of loans.
Declared $0.125/share dividend payable Dec. 4 to holders of record Nov. 16; non-interest income fell 27.5% to $2.7M as non-interest expense rose 12.9% to $14.7M.

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