Every 8-K that USCB Financial Holdings, Inc. (USCB) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, 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. 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., the parent of U.S. Century Bank, announced a planned transition in its top credit role. William Turner, Executive Vice President and Chief Credit Officer of the bank, will retire on July 3, 2026, after a banking career spanning more than four decades.
Sergio E. Garrido has been appointed Senior Vice President and Chief Credit Officer of the bank, effective July 6, 2026. Garrido brings more than 15 years of commercial credit and risk management experience, including over 11 years at the bank, most recently as Director of Credit Underwriting. The company describes this as a carefully planned succession aimed at maintaining its disciplined credit culture and developing internal talent.
USCB Financial Holdings, Inc. reported voting results from its Annual Meeting of Shareholders and confirmed the election of all nominated directors. Of 18,257,400 Class A common shares eligible to vote, 16,182,501 were represented, establishing a quorum.
Each director nominee received over 15.0 million votes in favor, with relatively few votes withheld and 767,885 broker non-votes per nominee. The company also announced that shareholder-elected director Ramon M. Rodriguez joins the boards of both USCB Financial Holdings and U.S. Century Bank as an independent director, bringing nearly four decades of South Florida banking experience.
USCB Financial Holdings, Inc. and its subsidiary U.S. Century Bank entered a Mutual Termination Agreement with Patriot Financial Partners II, L.P. and Patriot Financial Partners Parallel II, L.P. to end the parties’ rights and obligations under a prior Side Letter Agreement, but only as to Patriot.
The Side Letter Agreement continues in effect for Priam Capital Fund II, LP. Patriot, which beneficially owns 10.2% of the outstanding Class A Voting Common Stock, remains a party to a separate Registration Rights Agreement first entered in 2015 and assumed by USCB in 2021.
The termination follows the April 6, 2026 resignation of Patriot’s board representative, W. Kirk Wycoff, from the boards of both the Company and the Bank. The Mutual Termination Agreement is filed as an exhibit to this Form 8-K.
USCB Financial Holdings, Inc. reported a record quarter for the three months ended March 31, 2026, with net income of $9.4 million and diluted EPS of $0.51, up 33% from $0.38 a year earlier. Return on average assets rose to 1.34% and return on average equity to 17.07%, reflecting higher profitability.
Net interest income grew to $22.0 million, up 15.3% year over year, and net interest margin improved to 3.27%. Loans reached $2.2 billion and deposits $2.5 billion, both rising around high single digits versus the prior year, while credit quality stayed strong with non‑performing loans at 0.16% of total loans. The board declared a quarterly cash dividend of $0.125 per share.
USCB Financial Holdings, Inc., the parent of U.S. Century Bank, announced a regular quarterly cash dividend of $0.125 per share on its Class A common stock. The dividend will be paid on June 5, 2026 to shareholders of record as of May 15, 2026.
The company notes that future dividend payments will be subject to quarterly review and approval by its Board of Directors, meaning ongoing dividends are not guaranteed and will depend on future board decisions.
USCB Financial Holdings, Inc. reported that board member W. Kirk Wycoff resigned as a director of the company and its wholly owned subsidiary U.S. Century Bank effective April 6, 2026. The filing states his resignation was to focus on other business ventures and was not due to any disagreement with the company.
USCB Financial Holdings, Inc. updated the employment agreement of its President and Chief Executive Officer, Luis de la Aguilera, through Amendment No. 1 effective January 30, 2026. The amendment converts the CEO’s term life insurance to a whole life policy and provides for payment of related premiums.
The changes also clarify that the employers will continue to pay or reimburse the cost of a long-term care insurance policy and add provisions governing these benefits if his employment ends under certain conditions. In addition, severance is now payable when his employment is terminated without cause or for good reason more than twelve months after a change in control, with no other modifications to the agreement.
USCB Financial Holdings, Inc. filed a report describing an update to the employment agreement of Robert Anderson, Executive Vice President and Chief Financial Officer of both the company and its subsidiary, U.S. Century Bank.
Effective January 28, 2026, Amendment No. 2 modifies the severance provisions so that Mr. Anderson is also entitled to severance if his employment is terminated by the employers without Cause, Disability or death, or by him for Good Reason, more than twelve months after a Change in Control, as defined in the agreement. No other terms of his employment agreement were changed, and the amendment was approved by the company’s Compensation Committee.
USCB Financial Holdings, Inc. filed a Form 8-K to furnish materials related to its quarterly results. The company issued a press release announcing its financial results for the quarter ended December 31, 2025, which is attached as Exhibit 99.1, and will host an earnings conference call at 11:00 a.m. ET on January 23, 2026 to discuss its performance for that quarter.
USCB also provided an earnings presentation, attached as Exhibit 99.2 and posted on its investor relations website, to accompany the call. Both the press release and the presentation are being furnished rather than filed, which limits their use for certain legal liability and incorporation-by-reference purposes under the federal securities laws.
USCB Financial Holdings, Inc. filed a current report to share that its board has declared a regular quarterly cash dividend on its Class A common stock. The dividend is set at $0.125 per share and will be paid on March 5, 2026 to shareholders who are on record as of the close of business on February 17, 2026. Additional details are provided in a company press release attached as an exhibit.
USCB Financial Holdings, Inc. furnished an investor presentation under Item 7.01 (Regulation FD). The presentation is provided as Exhibit 99.1 and is also available on the company’s investor website at investors.uscenturybank.com. The materials are being furnished, not filed for purposes of Section 18 of the Exchange Act and are not incorporated by reference into other filings unless specifically referenced. The presentation is titled “USCB Financial Holdings, Inc. Investor Presentation Q3 2025.”
USCB Financial Holdings, Inc. furnished an 8-K announcing its financial results for the quarter ended September 30, 2025. The company attached a press release as Exhibit 99.1 and an earnings presentation as Exhibit 99.2, both incorporated by reference.
Management will host an earnings conference call at 11:00 a.m. ET on October 24, 2025 to discuss quarterly performance. The presentation slides are also available on the investor relations site at investors.uscenturybank.com. The furnished materials are not deemed “filed” for purposes of Section 18 of the Exchange Act.
USCB Financial Holdings, Inc. (USCB) announced a quarterly cash dividend of $0.10 per share on its Class A common stock. The dividend is payable on December 5, 2025 to shareholders of record as of the close of business on November 14, 2025.
The company conveyed the details via a press release furnished with this report. The disclosure highlights ongoing capital returns through regular dividends without additional financial data or guidance.
USCB Financial Holdings, Inc. entered into stock repurchase agreements with certain institutional shareholders, including Patriot Financial Partners II, L.P. and Patriot Financial Partners Parallel II, L.P. The company plans to repurchase an aggregate of 2 million shares of its Class A common stock in privately negotiated transactions at a price of $17.19 per share, which reflects a 1% discount to the 10-day volume weighted average price on September 2, 2025. The transactions are expected to be completed on or about September 5, 2025 and were approved by the disinterested members of the board of directors. These repurchases are supplemental to existing stock repurchase programs, under which 528,309 shares remained available for repurchase as of June 30, 2025.
USCB Financial Holdings, Inc. disclosed a material financing event: an Indenture dated August 14, 2025 between USCB and Wilmington Trust, National Association as trustee that establishes forms for 7.625% Fixed-to-Floating Rate Subordinated Notes due 2035. The filing includes the Form of Subordinated Note Purchase Agreement and the Form of Registration Rights Agreement dated August 14, 2025, and identifies the note documentation as exhibits to the 8-K. The disclosure is presented as a material event report and is signed on behalf of the company by Robert Anderson, Chief Financial Officer. The filing does not include offering size, proceeds, or detailed use-of-proceeds information within the provided text.