{"schema_version":"secwatch.filing_event.v1","accession":"0001562762-26-000122","form_type":"8-K","ticker":"USCB","cik":"0001901637","company_name":"USCB FINANCIAL HOLDINGS, INC.","filed_at":"2026-10-22T20:00:15+00:00","discovered_at":"2026-10-22T20:01:00.455982+00:00","generated_at":"2026-10-22T20:01:11.497164+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"USCB posts record Q3 net income of $9.5M, EPS $0.51 vs $0.45 a year ago","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001562762-26-000122","json":"https://secwatch.observer/filing/0001562762-26-000122.json","markdown":"https://secwatch.observer/filing/0001562762-26-000122.md","text":"https://secwatch.observer/filing/0001562762-26-000122.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1901637/000156276226000122/0001562762-26-000122-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1901637/000156276226000122/uscb-202610228K.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-22T20:01:11.497164+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"}