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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.
USCB Financial Holdings executive vice president and chief risk officer Maricarmen Logrono had 197 shares of Class A Voting Common Stock withheld on March 8, 2026 to cover tax obligations, at a value of $18.45 per share. This was reported as a tax-withholding disposition, not an open-market sale. After this entry, she directly holds 15,892 common shares, including multiple tranches of restricted stock that vest in annual thirds starting in 2025, 2026, and 2027. She also holds options to purchase 15,000 shares of Class A Voting Common Stock at an exercise price of $12.05 per share, expiring on September 27, 2031, which vested in thirds beginning on September 27, 2021.
USCB Financial Holdings EVP Martha Guerra-Kattou reported a disposition of 401 shares of Class A Voting Common Stock on March 8, 2026 to cover tax obligations, using shares rather than cash. After this tax-withholding transaction, she directly holds 40,638 common shares and has options to purchase 40,000 additional shares at $12.05 per share expiring on September 27, 2031.
USCB Financial Holdings EVP Oscar Gomez reported a tax-related share transfer involving 441 shares of Class A Voting Common Stock. These shares, valued at $18.45 each, were disposed of to cover a tax liability by delivering securities, rather than through an open-market sale.
After this transaction, Gomez directly holds 33,168 Class A Voting Common Stock shares. His position also includes vested and unexercised options to purchase 20,000 shares at $12.05 per share expiring on September 27, 2031, and 8,000 shares at $7.50 per share expiring on July 1, 2027.