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. 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. is asking shareholders to vote at a fully virtual Annual Meeting on May 26, 2026 at 10:00 a.m. Eastern time. Holders of Class A common stock as of April 6, 2026, when 18,257,400 shares were outstanding, may participate online and vote.
Shareholders will elect nine directors for one-year terms ending in 2027, including new nominee Ramon “Ray” M. Rodriguez, and ratify Crowe LLP as independent registered public accounting firm for the year ending December 31, 2026. The board is majority independent, with the CEO also serving as chair and a lead independent director role to be filled.
The proxy describes director retainers of $110,000 in 2025 and details executive pay. In 2025, CEO Luis de la Aguilera received $700,000 in salary, a $388,256 bonus, $481,763 in stock awards and total compensation of $1,644,771, with similar mix of salary, bonus and equity for other named executives.
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 EVP and Chief Risk Officer Maricarmen Logrono received a grant of 15,000 shares of Class A Voting Common Stock as restricted stock on January 27, 2026. The award was granted at no cash cost and will vest in equal one-third installments each year starting on January 27, 2027.
After this grant, Logrono directly holds 30,892 shares of Class A Voting Common Stock, including previously granted restricted stock referenced in the footnotes. She also holds options to purchase 15,000 shares of Class A Voting Common Stock at an exercise price of $12.0500 per share, which vested in one-third annual installments beginning on September 27, 2021 and expire on September 27, 2031.
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.