The Q2 results show accelerating loan growth and margin expansion driving improved profitability. Watch for continued loan production momentum and deposit cost trends in the next quarter.
Price Chart
Executive Summary
USCB Financial Holdings filed an investor presentation for Q2 2026, reporting strong operating results. Net income was $9.1 million ($0.49 EPS), total revenue grew 14.5% YoY to $27.9 million, and net interest margin expanded to 3.49% from 3.27% in Q1. Loan production hit a record $272 million, and asset quality remains pristine with non-performing loans at 0.09% of total loans. The board declared a $0.125 quarterly dividend. The filing is a routine Regulation FD disclosure of a non-deal roadshow presentation, but the underlying financials are materially positive.
Key Facts
- Q2 2026 net income of $9.1 million, or $0.49 per diluted share, vs $8.1 million ($0.40) in Q2 2025
- Total revenue (net interest income + non-interest income) of $27.9 million, up 14.5% YoY
- Net interest margin improved to 3.49% from 3.27% in Q1 2026 and 3.28% in Q2 2025
- Record quarterly gross loan production of $272 million
- Non-performing loans to total loans at 0.09%; ACL coverage ratio of 1.15%
- Quarterly cash dividend of $0.125 per share declared, payable Sept 4, 2026
- Tangible book value per share increased to $12.64 from $12.23 in Q1 2026 and $11.53 in Q2 2025
- Efficiency ratio improved to 49.97% from 52.34% in Q1 2026
Financial Impact
Q2 2026 net income of $9.1M on $27.9M revenue; NIM expanded 22 bps QoQ to 3.49%; record loan production of $272M
Risk Factors
- High concentration in South Florida commercial real estate (56.7% of loan portfolio)
- AOCI loss of $31.4M ($1.70/share) from securities portfolio could pressure tangible book if rates rise
- Competitive pressure in Miami-Dade community banking market
- Interest rate sensitivity: a 100 bps parallel rate shock would reduce NII by 3.1% in Year 1
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (USCB) — Batch item 1 | 0001562762-26-000084 |
| Document: uscb-20260728.htm | 0001562762-26-000084 |
| Document: 0001562762-26-000084-index-headers.html | 0001562762-26-000084 |
| Document: 0001562762-26-000084-index.html | 0001562762-26-000084 |
| Document: 0001562762-26-000084.txt | 0001562762-26-000084 |
| 8-K Filing (USCB) — Batch item 6 | 0001562762-26-000084 |
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
Subscribe to SecBot
Get Real-Time SEC Filing Intelligence
Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.
Create a free account Live analysis, Telegram alerts, watchlists and the MCP server for subscribers