---
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"
generated_at: "2026-10-22T20:01:11.497164+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-26-000122
- JSON: https://secwatch.observer/filing/0001562762-26-000122.json
- Plain text: https://secwatch.observer/filing/0001562762-26-000122.txt

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