Every material Form 8-K USCB FINANCIAL HOLDINGS, INC. has filed with the SEC since July 28, 2026, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
USCB Financial Holdings reported third-quarter 2026 net income of $9.5 million, or $0.51 per fully diluted share, up from $8.9 million, or $0.45, a year earlier. Net interest income rose 14.2% and the net interest margin widened to 3.37%, while non-interest income fell 27.5%, so earnings per share improved on higher core lending income.
Net income of $9.5 million, or $0.51 per diluted share, for the quarter ended September 30, 2026, versus $8.9 million, or $0.45, a year earlier
Net interest income grew 14.2% to $24.3 million; net interest margin was 3.37% versus 3.14%
Non-interest income fell 27.5% to $2.7 million; non-interest expense rose 12.9% to $14.7 million
Quarterly cash dividend of $0.125 per share declared October 19, 2026, payable December 4, 2026; earnings call set for October 23, 2026 at 11:00 a.m. ET
USCB Financial Holdings, the holding company for U.S. Century Bank, declared a regular quarterly cash dividend of $0.125 per share of Class A common stock. The dividend is payable December 4, 2026, to shareholders of record as of the close of business on November 16, 2026, and the filing notes that future payments are subject to quarterly Board review and approval.
Quarterly cash dividend of $0.125 per share of Class A common stock
Payable December 4, 2026
Record date is the close of business on November 16, 2026
Future dividend payments are subject to quarterly Board review and approval
USCB Financial Holdings filed an investor presentation for the second quarter of 2026 as Exhibit 99.1 to a Form 8-K, furnished under Regulation FD. The presentation shows total revenue rose from the prior quarter while net income and diluted EPS slipped, though both improved from the year-earlier quarter.
Net income was $9.1 million ($9,078 thousand), or $0.49 per diluted share, versus $0.51 in Q1 2026 and $0.40 in Q2 2025.
Total revenue was $27.9 million, up from $26.2 million in Q1 2026 and $24.4 million in Q2 2025.
Net interest margin rose to 3.49% from 3.27% in Q1 2026, and gross loan production totaled a record $272.0 million in the quarter.
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