USCB Q2 2026: Net income +11.5% to $9.1M on loan growth and margin expansion

Filed August 7, 2026 · Period ending June 30, 2026 · Compared to 10-Q Aug 8, 2025 · ~1 min read

Key Changes

• high

  Net income rose 11.5% to $9.1M ($0.49 diluted EPS, +22.5%) in Q2 2026, driven by 15.9% growth in net interest income to $24.4M and 21-bp margin expansion to 3.49%.

  MD&A: Q2 net income and EPS verify on EDGAR →
• high

  Loans grew 9.9% YoY to $2.3B, while deposits rose only 5.0% to $2.5B (vs 13.6% prior year), reflecting deposit-growth deceleration and increased reliance on FHLB advances (+123% to $240.9M).

  MD&A: Loan and deposit growth; Notes: FHLB advances verify on EDGAR →
• high

  Subordinated notes issued in Aug 2025 contributed $800k interest expense in Q2 2026 (8.15% annualized.

  MD&A: Subordinated notes interest expense verify on EDGAR →