Welcome to our dedicated page for USCB FINANCIAL HOLDINGS SEC filings (Ticker: USCB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Our SEC filing database is enhanced with expert analysis from Rhea-AI, providing insights into the potential impact of each filing on USCB FINANCIAL HOLDINGS's stock performance. Each filing includes a concise AI-generated summary, sentiment and impact scores, and end-of-day stock performance data showing the actual market reaction. Navigate easily through different filing types including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, proxy statements (DEF 14A), and Form 4 insider trading disclosures.
Designed for fundamental investors and regulatory compliance professionals, our page simplifies access to critical SEC filings. By combining real-time EDGAR feed updates, Rhea-AI's analytical insights, and historical stock performance data, we provide comprehensive visibility into USCB FINANCIAL HOLDINGS's regulatory disclosures and financial reporting.
T. Rowe Price Investment Management, Inc. filed Amendment No. 2 to a Schedule 13G reporting passive ownership of USCB Financial Holdings Inc. common stock. The firm reported beneficial ownership of 1,568,820 shares, representing 8.6% of the outstanding common stock, with sole voting and sole dispositive power over all reported shares.
The filer, organized in Maryland and based in Baltimore, states that this report should not be construed as an admission that it is the beneficial owner of these securities, and such beneficial ownership is expressly denied.
USCB Financial Holdings reported stronger Q2 2026 results, with net income of $9.1 million (dollars in thousands) and diluted EPS of $0.49, up from $8.1 million and $0.40 a year earlier. Net interest income rose to $24.4 million, and net interest margin expanded to 3.49% from 3.28%, helped by loan growth and lower deposit costs.
Total assets surpassed $3.0 billion, up 11.0% from June 30, 2025. Loans held for investment reached $2.32 billion, while deposits were $2.45 billion, both higher year over year. Asset quality remained solid: the allowance for credit losses was $26.7 million (1.15% of total loans) and non‑performing loans were 0.09% of total loans, with lower charge‑offs than in 2025.
Capital levels stayed comfortably above “well‑capitalized” thresholds, with total risk‑based capital ratios of 13.88% for the company and 13.68% for the bank. Tangible book value per share was $12.64, while share repurchases and $0.25 per share in year‑to‑date dividends, plus another $0.125 dividend declared for Q3 2026, returned capital to shareholders.
USCB Financial Holdings, Inc. presents a Q2 2026 snapshot showing continued balance-sheet growth and strong profitability. End-of-period assets were $3.0 billion with loans of $2.32 billion and deposits of $2.45 billion, while net income reached $9.1 million, or $0.49 per diluted share. Return on average assets was 1.26% and return on average equity 15.90%, supported by a 3.49% net interest margin and an efficiency ratio of 49.97%.
Loan growth remained robust, with average loans up 15.0% annualized over Q1 and record quarterly production of $272 million, while average deposits rose 10.2% annualized and noninterest-bearing DDA balances expanded. Asset quality metrics were strong, with non-performing loans at 0.09% of total loans, net charge-offs at 0.05% of average loans, and an allowance for credit losses of 1.15% of loans. Capital remained solid, with a 13.88% total risk-based capital ratio and tangible common equity to tangible assets of 7.72%; the board declared a $0.125 per-share quarterly cash dividend on Class A common stock.
USCB Financial Holdings, Inc. reported strong Q2 2026 results, with net income of $9.1 million and diluted EPS of $0.49, up from $8.1 million and $0.40 a year earlier. Annualized return on average assets was 1.26% and return on average equity 15.90%. Net interest income before provision for credit losses rose to $24.4 million from $21.0 million as net interest margin expanded to 3.49% from 3.28%.
Total assets reached $3.0 billion at June 30, 2026, up 11.0% year over year. Loans held for investment grew 9.9% to $2.3 billion, supported by record new loan fundings of $272.0 million and 14.6% annualized linked-quarter loan growth. Deposits increased 5.0% to $2.5 billion, while the cost of deposits declined to 2.16%. Asset quality remained strong, with non-performing loans of $2.1 million, or 0.09% of total loans, and an allowance for credit losses equal to 1.15% of loans. The efficiency ratio improved to 49.97%. The board declared a quarterly cash dividend of $0.125 per share, and tangible book value per common share rose to $12.64 from $11.53 a year earlier. Total risk-based capital was 13.88% at the company and 13.68% at the bank.
USCB Financial Holdings, Inc., the 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 is payable on September 4, 2026 to shareholders of record as of the close of business on August 17, 2026.
The company notes that future dividend payments are subject to quarterly review and approval by the Board of Directors. USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank, a large community bank headquartered in the Miami area.
USCB Financial Holdings, Inc. has a significant shareholder group led by Inversiones Atlantida S.A., which directly holds 1,500,000 Class A shares of common stock. Based on 18,263,900 Class A shares outstanding as of April 30, 2026, this position represents 8.2% of the class.
The filing is made jointly by Inversiones Atlantida S.A., Atlantida Corporation Limited, and Guillermo Bueso Anduray. All three report 0 shares with sole voting or dispositive power and 1,500,000 shares with shared voting and shared dispositive power. Atlantida Corporation Limited is the majority owner of Inversiones Atlantida, and Mr. Bueso Anduray, as Chief Executive Officer of Inversiones Atlantida and an ultimate decision-maker at entities that collectively hold a majority of Atlantida Corporation Limited, may be deemed a beneficial owner of these shares; however, he disclaims beneficial ownership of securities beneficially owned by Inversiones Atlantida or Atlantida Corporation Limited under Rule 13d-4.
USCB Financial Holdings, Inc. Class A Common Stock is the subject of an updated ownership report by the Patriot Financial Group II in Amendment No. 4 to a Schedule 13D. Patriot Financial Group II now beneficially owns 317,786 shares of Class A Common Stock, representing 1.7% of the outstanding shares.
On July 15, 2026, Patriot Financial Partners II, L.P. and Patriot Financial Partners Parallel II, L.P. agreed to sell 1,500,000 shares of Class A Common Stock to Inversiones Atlantida, SA at $18.50 per share, for an aggregate purchase price of $27,750,000. Separately, on June 25, 2026, W. Kirk Wycoff exercised options to purchase 4,000 shares at an exercise price of $11.35 per share. Percentages are based on 18,263,900 shares outstanding as of April 30, 2026.
USCB Financial Holdings, Inc. senior vice president and chief credit officer Sergio E. Garrido reported a compensation-related equity grant. He received 15,000 shares of Class A voting common stock as restricted stock that vest on July 6, 2029, increasing his direct holdings to 25,197 shares of common stock. He also reports an existing option to purchase Class A voting common stock for 6,000 underlying shares at an exercise price of $8.75 per share, which vests in thirds starting February 26, 2022 and expires on February 26, 2031.
USCB Financial Holdings senior vice president and chief credit officer Sergio E. Garrido filed a Form 3 showing his existing stake in the company. He directly holds 10,197 shares of Class A Voting Common Stock, including multiple tranches of restricted stock, and 6,000 stock options with an $8.75 exercise price expiring on February 26, 2031.
USCB FINANCIAL HOLDINGS EVP Andres Collazo reported an open-market sale of 1,000 shares of Class A Voting Common Stock at $19.00 per share. After this transaction, he directly holds 31,521 shares of common stock.
He also holds options to purchase 30,000 shares of Class A Voting Common Stock at an exercise price of $12.05 per share, expiring on September 27, 2031. Footnotes indicate multiple restricted stock grants that vest over several years, so the reported sale represents a small portion of the overall equity position shown in this filing.