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Get filing alertsUSCB reports Q2 EPS of $0.49, 14.6% annualized loan growth, and raises dividend 25%
Filed July 23, 2026 · Period ending July 23, 2026 · ~1 min read
Key Changes
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Q2 2026 net income of $9.1M ($0.49/share) up 22.5% per share YoY; ROAE improved to 15.90% from 14.29%; net interest margin expanded to 3.49% from 3.27% prior quarter on strong loan yields and stable deposit costs.
Exhibit 99.1 view on EDGAR → -
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Record loan production of $272M drove 14.6% annualized loan growth; new loan yields averaged 6.20% (ex-correspondent); total assets surpassed $3B for the first time.
Exhibit 99.2 view on EDGAR → -
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Board declared quarterly dividend of $0.125/share (up 25% from $0.10 prior year), payable Sept 4 to shareholders of record Aug 17.
Exhibit 99.1 view on EDGAR → -
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Credit quality remained strong: NPLs declined to 0.09% of loans; net charge-offs 0.05% annualized; ACL coverage 1.15% of total loans.
Exhibit 99.2 view on EDGAR → -
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Demand deposits grew 32.5% annualized while deposit costs improved 4 bps to 2.16%, supporting margin expansion and operating leverage (efficiency ratio 49.97%).
Exhibit 99.2 view on EDGAR →
Summary
USCB Financial Holdings reported strong second-quarter results with net income of $9.1 million ($0.49 per diluted share), up 22.5% per share year-over-year. The company achieved record loan production of $272 million, driving 14.6% annualized loan growth and pushing total assets above $3 billion for the first time.
Net interest margin expanded 22 basis points to 3.49% as new loan yields averaged 6.20% while deposit costs improved 4 basis points to 2.16%. Return on average equity reached 15.90%, up from 14.29% a year earlier, reflecting improved profitability and capital efficiency. The Board raised the quarterly dividend 25% to $0.125 per share, signaling confidence in earnings momentum.
Credit quality remained solid with non-performing loans at just 0.09% of total loans and minimal net charge-offs. The combination of accelerating loan growth, margin expansion, and operating leverage (efficiency ratio improved to 49.97%) demonstrates the company's ability to scale profitably. Retail holders should monitor whether the strong June loan production ($116.5 million, or 42.6% of quarterly total) represents sustainable momentum or quarter-end concentration, and whether margin expansion can continue if deposit costs stabilize or rise.
Section-by-Section Diff
Event · Item 7.01 — Regulation FD Disclosure
USCB furnishes Q2 2026 earnings call presentation slides ahead of July 24 conference call.
Show 1 minor / wording change
Added in current filing · verify on EDGAR →
at 11:00 a.m. ET on July 24, 2026, the Company will hold an earnings conference call to discuss its
financial performance for the quarter ended June 30, 2026. A copy of the slides forming
the basis of the presentation is being furnished | as Exhibit 99.2 | to this Form | 8-K
USCB is furnishing presentation slides for its Q2 2026 earnings conference call scheduled for July 24, 2026. The slides have been posted to the company's investor relations website. This is a routine disclosure providing materials for an upcoming earnings discussion.
Event · Exhibit 99.1
USCB reported Q2 2026 EPS of $0.49, 14.6% annualized loan growth, 3.49% net interest margin, and declared a $0.125 quarterly dividend.
Added in current filing · view on EDGAR →
net | income of | $9.1 million | or $0.49 | per fully | diluted share | for the | three months | ended June 30, | 2026,
compared with net income of $8.1 million or $0.40 per fully diluted share
for the same period in 2025.
USCB reported Q2 2026 net income of $9.1 million ($0.49 per diluted share), up from $8.1 million ($0.40 per diluted share) in Q2 2025. This represents an 11.5% increase in net income and a 22.5% increase in diluted EPS year-over-year, driven by higher net interest income and improved operational efficiency.
Added in current filing · view on EDGAR →
our | net | interest | margin | rising | to | 3.49% | from | 3.27% | and | our | efficiency | ratio
improving to 49.97% from 52.34% compared to the first quarter of
2026.
Net interest margin expanded to 3.49% in Q2 2026 from 3.27% in Q1 2026, while the efficiency ratio improved to 49.97% from 52.34% quarter-over-quarter. These improvements reflect better asset yields and operating leverage as the company scales.
Added in current filing · view on EDGAR →
Annualized return on | average assets for the | quarter ended June 30, | 2026 was 1.26% | compared to 1.22% | for the second | quarter of
2025. ... Annualized return
on average | stockholders’ equity | for the quarter | ended June 30, | 2026 was | 15.90% compared | to 14.29% | for the | second quarter of 2025.
USCB's annualized return on average assets (ROAA) was 1.26% in Q2 2026, up from 1.22% in Q2 2025. Annualized return on average equity (ROAE) was 15.90%, up from 14.29% year-over-year. Both metrics show improved profitability and capital efficiency.
Event · Exhibit 99.2
USCB Financial Holdings reported Q2 2026 earnings with net income of $9.1M ($0.49/share), record loan production of $272M, and margin expansion to 3.49%.
Added in current filing · view on EDGAR → · paraphrased
Net income was $9.1 million, or $0.49 per diluted share. ... ROAA was 1.26% and ROAE was 15.90%. ... Net interest income before provision for credit losses increased to $24.4M, up $2.3 million or 42.6% annualized over Q1. Net interest margin improved to 3.49% from 3.27% for Q1.
USCB Financial Holdings reported second-quarter 2026 net income of $9.1 million, or $0.49 per diluted share, with return on average assets of 1.26% and return on average equity of 15.90%. Net interest income increased $2.3 million (42.6% annualized) from the prior quarter to $24.4 million, while net interest margin expanded 22 basis points to 3.49%, driven by loan growth and stable funding costs.
Added in current filing · view on EDGAR →
Gross loan production totaled $272.0 million during
the second quarter of 2026, with June closings accounting for $116.5
million or 42.6%, of total quarterly production. ... Excluding correspondent
banking loan production, the weighted‑average yield on new loans
originated during the quarter was 6.20%.
The company originated a record $272 million in loans during Q2 2026, with $116.5 million (42.6%) closing in June alone. Excluding correspondent banking loans, new loan yields averaged 6.20%, supporting margin expansion. Average loans increased $81.2 million (15.0% annualized) from the prior quarter.
Added in current filing · view on EDGAR → · paraphrased
Non‑performing loans decreased by $1.5 million from the prior quarter to $2.1 million. The non‑performing loans‑to‑total loans ratio decreased to 0.09% as of June 30, 2026. ... ACL coverage ratio was 1.15% of total loans. Net charge-offs to average loans was 0.05%
Credit quality remained strong with non-performing loans declining $1.5 million to $2.1 million (0.09% of total loans). The allowance for credit losses covered 1.15% of total loans, while net charge-offs were minimal at 0.05% of average loans (annualized).
Added in current filing · view on EDGAR → · paraphrased
Average DDA deposits increased by $47.4 million or 32.5% annualized compared to prior quarter. Average deposits totaled $2.5 billion, reflecting an increase of $61.9 million or 10.2% annualized compared to prior quarter ... Deposit cost improved to 2.16%, decreasing 4 bps quarter-over-quarter and 30 bps year-over-year.
Average demand deposit accounts grew $47.4 million (32.5% annualized) while total average deposits increased $61.9 million (10.2% annualized) to $2.5 billion. Deposit costs improved 4 basis points quarter-over-quarter to 2.16%, contributing to margin expansion.
Added in current filing · view on EDGAR →
On July 20, 2026,
the Company’s Board of Directors declared a quarterly cash
dividend of $0.125 per share on the Company’s Class A common stock.
The dividend will be payable on September 4, 2026, to shareholders
of record as of the close of business on August 17, 2026.
The Board declared a quarterly cash dividend of $0.125 per share on Class A common stock, payable September 4, 2026, to shareholders of record as of August 17, 2026.
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Figures/quotes linked to EDGAR · Narrative written by AI · Jul 24, 2026 · How we verify