Here are the 10-K annual reports from USCB Financial Holdings, Inc. (USCB) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow USCB and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full USCB filings page.
USCB Financial Holdings, Inc., the Miami-based holding company for U.S. Century Bank, reports a relationship-focused community banking model centered on small and mid-sized businesses in South Florida. Through 10 banking centers, it offers commercial and consumer deposits, lending, treasury services, and specialized products.
As of December 31, 2025, the company had $2.8 billion in total consolidated assets. It emphasizes niche lines such as SBA 7(a) and 504 lending, yacht financing, homeowner association banking, private client services, and correspondent banking with select Latin American and Caribbean institutions, supported by conservative credit practices and centralized underwriting.
USCB highlights strong regulatory oversight as a Florida state-chartered bank and Federal Reserve–regulated bank holding company, maintaining a "well-capitalized" status and acknowledging heightened supervision of its commercial real estate concentration, with commercial real estate loans at 370% of total risk-based capital and construction loans at 31% as of year-end 2025. Human capital is a strategic focus, with 205 full-time equivalent employees and programs aimed at diversity, internal promotion, training, and competitive benefits. The company remains an emerging growth company under the JOBS Act through December 31, 2026, allowing scaled disclosure and certain relief from internal control attestation requirements.