secwatch.observer — SEC 8-K summary
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Issuer:     USCB FINANCIAL HOLDINGS, INC. (USCB)
CIK:        0001901637
Form:       8-K
Filed at:   2026-10-22T20:00:15+00:00
Accession:  0001562762-26-000122
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4.1-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1901637/000156276226000122/0001562762-26-000122-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1901637/000156276226000122/uscb-202610228K.htm
  HTML page:      https://secwatch.observer/filing/0001562762-26-000122

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