USCB Financial Holdings, Inc. reports developments for its bank holding company and wholly owned subsidiary, U.S. Century Bank. The company serves South Florida as its primary banking market and offers relationship-based deposit, lending and e-banking services, including commercial and consumer checking, money market and savings accounts, small business loans, commercial real estate loans and business credit cards.
News for USCB commonly centers on quarterly operating results, net interest income, margin performance, credit quality, regulatory capital ratios and cash dividends on Class A common stock. Company updates also cover balance sheet actions such as securities portfolio restructuring and the redeployment of assets into lending categories tied to the bank's commercial banking model.
USCB Financial Holdings (USCB) reported third-quarter 2026 diluted earnings per share of $0.51, higher than a year earlier. Net income reached $9.5 million versus $8.9 million, while diluted EPS rose from $0.45. Net interest income increased 14.2% to $24.3 million, and net interest margin widened to 3.37% from 3.14%.
Loans grew 9.0% to $2.3 billion, but deposits declined 0.4%. Non-performing loans rose to $7.7 million from $1.3 million. Non-interest income fell 27.5%, and non-interest expense increased 12.9%. Nine-month net income was $27.957 million versus $24.737 million, with diluted EPS of $1.51 versus $1.23.
The board declared a $0.125 quarterly dividend, payable December 4, 2026, to holders of record November 16. Tangible book value per share, a non-GAAP measure, increased 7.6% to $12.42. Company and bank total risk-based capital ratios were 14.07% and 13.93%, respectively.
USCB Financial Holdings (NASDAQ: USCB) declared a regular quarterly cash dividend of $0.125 per share on its Class A common stock. The dividend is payable on December 4, 2026, to shareholders of record at the close of business on November 16, 2026. Future dividend payments remain subject to quarterly review and approval by the Board of Directors.
USCB Financial Holdings (NASDAQ: USCB) will announce third-quarter 2026 financial results after the market closes on October 22, 2026.
The results cover the quarter ended September 30, 2026. Management will discuss them on a conference call on October 23, 2026, at 11:00 a.m. Eastern Time. A live audio webcast and an archived replay will be available on the company's investor relations website.
USCB Financial Holdings (NASDAQ: USCB) reported Q2 2026 net income of $9.1 million, or $0.49 diluted EPS, up from $8.1 million and $0.40 a year earlier. Net interest margin rose to 3.49%, ROAA reached 1.26%, and ROAE was 15.90%. The efficiency ratio improved to 49.97%.
Total assets surpassed $3.0 billion, up 11.0% year over year, driven by record new loan fundings of $272.0 million and 14.6% annualized linked‑quarter loan growth, bringing loans held for investment to $2.3 billion (+9.9%). Deposits increased 5.0% to $2.5 billion.
Non-interest income grew 5.6% to $3.6 million, while non-interest expense rose 10.5% to $14.0 million. The allowance for credit losses increased to $26.7 million, with non-performing loans at 0.09% of total loans. The board declared a quarterly dividend of $0.125 per Class A share, payable September 4, 2026. Tangible book value per share rose 9.6% to $12.64, and risk-based capital ratios of 13.88% (Company) and 13.68% (Bank) remained above well-capitalized thresholds.
USCB Financial Holdings (NASDAQ: USCB), holding company for U.S. Century Bank, announced that its Board of Directors declared a regular quarterly cash dividend of $0.125 per share on its Class A common stock. The dividend will be payable on September 4, 2026, to shareholders of record at the close of business on August 17, 2026. Future dividend payments remain subject to quarterly review and approval by the Board.
USCB Financial Holdings (NASDAQ: USCB) will release its second quarter 2026 financial results for the period ended June 30, 2026, after the market close on Thursday, July 23, 2026.
A conference call and live audio webcast to discuss the results will be held on Friday, July 24, 2026 at 11:00 a.m. ET.
USCB Financial (NASDAQ:USCB), holding company for U.S. Century Bank, appointed Sergio E. Garrido as Senior Vice President and Chief Credit Officer effective July 6, 2026, succeeding William “Bill” Turner, who retires July 3, 2026.
The planned transition emphasizes continuity of the Bank’s disciplined credit culture and promotion from within.
USCB Financial (NASDAQ: USCB) and its unit U.S. Century Bank announced that shareholders elected Ramon M. Rodriguez as an independent director of both entities at the May 26, 2026 annual meeting.
Rodriguez brings nearly 40 years of South Florida banking experience across commercial, retail, real estate, construction, international banking and risk management.
USCB Financial Holdings (NASDAQ: USCB) reported a record quarter for Q1 2026 with $0.51 diluted EPS (up 33% YoY) and $9.4 million net income (up 22% YoY). Quarterly ROAA was 1.34% and ROAE was 17.07%. Net interest income grew 15.3% to $22.0 million. Total loans reached $2.2 billion (up 10.1% YoY). The Board declared a quarterly cash dividend of $0.125 payable June 5, 2026. Capital ratios remained well above regulatory minimums.
USCB Financial Holdings (NASDAQ: USCB) declared a regular quarterly cash dividend of $0.125 per share on Class A common stock. The dividend is payable on June 5, 2026 to shareholders of record at the close of business on May 15, 2026. Future dividends remain subject to quarterly Board review and approval.