USCB FINANCIAL HOLDINGS, INC. — Form 8-K
Filed July 28, 2026 · analyzed by the 8-K Agent
8-K
— Neutral
significance 28/100
What the filing says
USCB Financial Holdings reported Q2 2026 net income of $9.1 million ($0.49 diluted EPS) versus $8.1 million ($0.40 EPS) in Q2 2025. Total assets grew to $3.02 billion (from $2.72 billion YoY), loans to $2.32 billion (+$209M YoY), and deposits to $2.45 billion (+$117M YoY). Net interest margin improved to 3.49% from 3.27% in Q1 2026; deposit costs fell 4 bps QoQ to 2.16%. Record quarterly loan production of $272 million. Non-performing loans were $2.1 million (0.09% of loans); allowance for credit losses 1.15%. No material counterparties, M&A, or debt issuances disclosed.
Why this rating
Solid operational performance (earnings +12% YoY, NIM expansion, credit quality stable) but all growth metrics modest relative to $173M market cap. Routine quarterly results; no transformational events or material changes to business model.
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