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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 (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.
USCB Financial Holdings (NASDAQ: USCB) will report first quarter 2026 results for the quarter ended March 31, 2026 after market close on Thursday, April 23, 2026.
A live conference call and audio webcast with CEO Luis de la Aguilera, CFO Robert Anderson, and Chief Credit Officer William Turner will be held Friday, April 24, 2026 at 11:00am ET. Dial-in and webcast details are provided for investors.
USCB Financial Holdings (NASDAQ: USCB) reported net income of $1.4M or $0.07 fully diluted EPS for Q4 2025, versus $6.9M/$0.34 in Q4 2024. Results included an after-tax loss of $5.6M (impact of $0.31 per share) from a portfolio restructuring and a $0.06 per-share tax liability charge. Excluding these items, operating diluted EPS was $0.44. Total assets were $2.8B, loans held for investment were $2.2B (+11.0% YoY), deposits were $2.3B, and tangible book value per share rose to $11.97 (+10.8% YoY). The Board declared a quarterly cash dividend of $0.125 per share.
USCB Financial Holdings (NASDAQ: USCB) announced a 25.0% increase in its regular quarterly cash dividend to $0.125 per share (an increase of $0.025 from $0.10).
The dividend is payable on March 5, 2026 to shareholders of record at the close of business on February 17, 2026. Future dividend payments remain subject to quarterly review and approval by the Board of Directors.