The strong linked-quarter loan growth and margin expansion signal accelerating organic momentum. Monitor the Q3 earnings call for guidance on whether the 3.49% NIM is sustainable and if loan production can be maintained at these levels.
Price Chart
Executive Summary
USCB Financial Holdings reported Q2 2026 net income of $9.1 million ($0.49 diluted EPS), up from $8.1 million ($0.40) a year ago. Total assets surpassed $3.0 billion, driven by record loan production of $272 million and net interest margin expansion to 3.49% from 3.27% in Q1. The efficiency ratio improved to 49.97% from 52.34% in Q1, and the company declared a $0.125 quarterly dividend.
Key Financial Metrics
Key Facts
- Net income of $9.1 million, or $0.49 per diluted share, vs $8.1 million ($0.40) in Q2 2025.
- Total assets surpassed $3.0 billion, up 11.0% YoY.
- Record quarterly loan production of $272.0 million.
- Net interest margin expanded to 3.49% from 3.27% in Q1 2026 and 3.28% in Q2 2025.
- Efficiency ratio improved to 49.97% from 52.34% in Q1 2026.
- Quarterly cash dividend of $0.125 per share declared.
- Non-performing loans to total loans ratio improved to 0.09% from 0.16% in Q1 2026.
Financial Impact
Net interest income up 15.9% YoY to $24.4 million; net income up 11.5% YoY to $9.1 million.
Risk Factors
- Concentration in South Florida commercial real estate loans (56.7% of portfolio).
- Potential interest rate sensitivity: static NII simulation shows -3.1% in year 2 under a +100bps scenario.
- Total risk-based capital ratio declined to 13.88% from 14.09% in Q1 2026.
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001562762-26-000082 |
| Exhibit: exhibit992.htm | 0001562762-26-000082 |
| Document: uscb-20260723.htm | 0001562762-26-000082 |
| Document: 0001562762-26-000082-index-headers.html | 0001562762-26-000082 |
| Document: 0001562762-26-000082-index.html | 0001562762-26-000082 |
| Document: 0001562762-26-000082.txt | 0001562762-26-000082 |
| 8-K Data (Synthetic) | 0001562762-26-000082 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 3d ago | Press Release | $22.34 | awaiting T+60 | — | $19.99 (−10.52%) |
Oct 22, 2026 3d ago | 8-K | $22.34 | awaiting T+60 | — | $19.99 (−10.52%) |
Oct 19, 2026 6d ago | 8-K | $22.49 | awaiting T+60 | — | $19.99 (−11.12%) |
Oct 19, 2026 6d ago | Press Release | $22.49 | awaiting T+60 | — | $19.99 (−11.12%) |
Jul 28, 2026 12w ago | 8-K | $22.65 $22.29 | ▼ −1.59% | ▼ −5.94% | $19.99 (−11.74%) |
Jul 23, 2026 13w ago | Press Release | $21.67 $22.24 | ▲ +2.63% | ▼ −0.66% | $19.99 (−7.75%) |
Jul 23, 2026 13w ago | 8-K | $21.67 $22.24 | ▲ +2.63% | ▼ −0.66% | $19.99 (−7.75%) |
Jul 20, 2026 13w ago | Press Release | $20.42 $22.15 | ▲ +8.47% | ▲ +4.50% | $19.99 (−2.11%) |
Jul 6, 2026 15w ago | Press Release | $20.23 $21.83 | ▲ +7.91% | ▲ +5.70% | $19.99 (−1.19%) |
May 27, 2026 21w ago | 8-K | $18.54 $22.44 | ▲ +21.04% | ▲ +19.30% | $19.99 (+7.82%) |
US Market Status
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