USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various personal and business banking products and services in the United States. The company offers small business administration and yacht lending services; homeowners association services, including deposit collection, lockbox services, payment services, and lending products; jurist advantage and private client group services; correspondent banking services for banks in certain Latin America and the Caribbean countries. It also provides deposit products, including commercial and consumer checking accounts, money market deposit accounts, savings accounts, and certificates of deposit; treasury, commercial payment, and cash management services; insured cash sweep and certificate of deposit account registry services; and clients title insurance policies for real estate transactions. The company was founded in 2002 and is headquartered in Doral, Florida.
USCB Financial Holdings, Inc. Surpasses $3 Billion in Assets with 14.6% Annualized Linked-Quarter Loan Growth; Achieves Q2 2026 EPS of $0.49, 3.49% Net Interest Margin, ROAA of 1.26%, and ROAE of 15.90%
USCB Financial Holdings reported Q2 2026 net income of $9.1 million, or $0.49 per diluted share, up from $0.40 per share in the prior year, driven by record loan fundings of $272 million and a 14.6% annualized linked-quarter loan growth.
Total assets surpassed $3 billion for the first time, while the net interest margin expanded to 3.49% and the efficiency ratio improved to 49.97%, signaling stronger operational leverage and scalability.
The Board of Directors declared a quarterly cash dividend of $0.125 per share, payable September 4, 2026, continuing capital returns to shareholders.