USCB Financial Holdings, Inc. filings document the public reporting of a Florida bank holding company for U.S. Century Bank. Recent Form 8-K disclosures furnish quarterly results, earnings-call presentation materials, Regulation FD information and dividend announcements tied to Class A common stock.
The company's proxy materials describe annual meeting voting matters and governance procedures, while material-event filings record shareholder and governance agreements, including side letter and registration rights arrangements connected to significant holders. The record also identifies the company as an emerging growth company and frames disclosures around bank capital, operating performance and shareholder rights.
USCB Financial Holdings, Inc. (USCB) is named as the issuer in a third Schedule 13G amendment reporting beneficial ownership of its Class A common stock. Endeavour Capital Advisors Inc. and Laurence M. Austin, Mitchell J. Katz and Jonah Marcus each reported 733,234 shares (4.0%); Endeavour Regional Bank Opportunities Fund II L.P. reported 607,495 shares (3.3%). The percentages are based on 18,386,126 Class A shares outstanding as of October 31, 2026.
USCB Financial Holdings, Inc. reported third-quarter 2026 net income of $9.528 million, compared with $8.939 million a year earlier; diluted earnings per share were $0.51 versus $0.45. Net interest income before provision for credit losses rose 14.2% to $24.3 million from $21.3 million, and net interest margin was 3.37%, compared with 3.14%.
At September 30, 2026, total assets were $3.011 billion, loans held for investment, net of the allowance for credit losses, were $2.295 billion, and deposits totaled $2.446 billion. The allowance for loan credit losses was $27.018 million, compared with $25.500 million at December 31, 2025. Other comprehensive loss was $11.948 million for the quarter, and total comprehensive loss was $2.420 million. Unrealized losses on available-for-sale securities were $16.243 million. The Bank exceeded regulatory capital requirements and remained above well-capitalized guidelines; its total risk-based capital ratio was 13.93% at September 30, 2026.
On October 19, 2026, the board declared a quarterly cash dividend of $0.125 per share, payable December 4, 2026, to stockholders of record November 16, 2026.
USCB Financial Holdings, Inc. corrected a report stating that director Ramon M. Rodriguez had purchased 1,000 shares; the purchase did not occur. As of October 30, 2026, Rodriguez owned no shares of Class A Voting Common Stock.
At USCB Financial Holdings, Inc., EVP, Global Banking Oscar Gomez reported 1,218 Class A Voting Common Stock shares delivered or withheld for payment of exercise price or tax liability on October 28, 2026. He directly held 31,950 shares following the transaction. His reported option positions covered 20,000 underlying shares at exercise prices of $12.05 and 8,000 underlying shares at $7.50. No Rule 10b5-1 plan is reported.
USCB Financial Holdings, Inc. EVP, Sales and Marketing Martha Guerra-Kattou reported 1,623 Class A Voting Common Stock shares delivered or withheld for payment of exercise price or tax liability on October 28, 2026, at a reported price of $19.92 per share. Her direct common-stock holdings after the transaction were 39,015 shares. She also reported options covering 40,000 Class A Voting Common Stock shares, with a $12.05 exercise price and an expiration date of September 27, 2031.
USCB Financial Holdings, Inc. EVP and Chief Lending Officer Nicholas Bustle reported 1,623 Class A Voting Common Stock shares delivered or withheld for payment of exercise price or tax liability on October 28, 2026, at a reported price of $19.92 per share. His direct holdings after the transaction were 45,296 shares; holdings listed by his daughters and spouse were 9,820 and 6,250 shares. His direct options covered 30,000 shares at $11.35, expiring April 17, 2029, and 40,000 shares at $12.05, expiring September 27, 2031.
USCB Financial Holdings, Inc.’s EVP, Operations & IT, Andres Collazo, reported 1,218 Class A voting common shares delivered or withheld for payment of exercise price or tax liability on October 28, 2026. Collazo’s direct common-stock holdings following the transaction were 30,303 shares, including restricted stock from grants.
USCB Financial Holdings, Inc. director Ramon M. Rodriguez purchased 1,000 shares of Class A Voting Common Stock at $20 per share on October 30, 2026. His reported direct holdings following the purchase were 1,000 shares. The transaction was not reported as made under a Rule 10b5-1 plan.
USCB Financial Holdings, Inc. reported third-quarter 2026 net income of $9.5 million, or $0.51 per diluted share, versus $8.9 million and $0.45 a year earlier. Net interest income before provision for credit losses was $24.3 million, up 14.2% year over year, and net interest margin was 3.37%, compared with 3.14%. Return on average assets was 1.27%, and return on average equity was 16.03%.
At September 30, 2026, loans held for investment were $2.3 billion, up 9.0% year over year, while deposits were $2.4 billion, down 0.4%. Non-interest income declined 27.5% to $2.7 million, and non-interest expense increased 12.9% to $14.7 million. Non-performing loans totaled $7.7 million, or 0.33% of loans, versus $1.3 million, or 0.06%, a year earlier; the earnings presentation attributed the increase primarily to one loan.
The board declared a quarterly cash dividend of $0.125 per Class A share, payable December 4, 2026, to shareholders of record November 16, 2026.
USCB Financial Holdings, Inc. declared a regular quarterly cash dividend of $0.125 per share of Class A common stock, payable December 4, 2026, to shareholders of record at the close of business November 16, 2026. Future dividend payments are subject to quarterly review and approval by the Board of Directors.