--- title: "USCB Financial | 8-K: FY2026 Q2 Revenue: USD 43.14 M" type: "News" locale: "en" url: "https://longbridge.com/en/news/293659894.md" datetime: "2026-07-23T20:03:34.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/293659894.md) - [en](https://longbridge.com/en/news/293659894.md) - [zh-HK](https://longbridge.com/zh-HK/news/293659894.md) --- # USCB Financial | 8-K: FY2026 Q2 Revenue: USD 43.14 M Revenue: As of FY2026 Q2, the actual value is USD 43.14 M. EPS: As of FY2026 Q2, the actual value is USD 0.49. EBIT: As of FY2026 Q2, the actual value is USD 13.51 M. ### Net Income USCB Financial Holdings, Inc. reported net income of $9.1 million for the three months ended June 30, 2026, compared to $8.1 million for the same period in 2025, representing an increase. Net income for the six months ended June 30, 2026, was $18,429 thousand, up from $15,798 thousand for the same period in 2025. Diluted earnings per share were $0.49 for Q2 2026, an increase from $0.40 for Q2 2025. ### Net Interest Income Net interest income before provision for credit losses was $24.4 million for the quarter ended June 30, 2026, an increase of $3.4 million or 15.9% compared to $21.0 million in the prior year. For the six months ended June 30, 2026, net interest income before provision for credit losses was $46,435 thousand, compared to $40,149 thousand for the same period in 2025. ### Net Interest Margin The net interest margin for the quarter ended June 30, 2026, was 3.49%, an increase from 3.28% for the second quarter of 2025. ### Operational Efficiency The efficiency ratio for the quarter ended June 30, 2026, improved to 49.97% from 51.77% in the second quarter of 2025. ### Return on Average Assets (ROAA) Annualized return on average assets was 1.26% for the quarter ended June 30, 2026, up from 1.22% for the second quarter of 2025. ### Return on Average Stockholders’ Equity (ROAE) Annualized return on average stockholders’ equity increased to 15.90% for the quarter ended June 30, 2026, from 14.29% for the second quarter of 2025. ### Total Assets Total assets reached $3.0 billion at June 30, 2026, an increase of $300.2 million or 11.0% from $2.7 billion at June 30, 2025. ### Total Loans Held for Investment Total loans held for investment were $2.3 billion at June 30, 2026, marking an increase of $209.1 million or 9.9% from $2.1 billion at June 30, 2025. Record new loan fundings of $272.0 million resulted in a 14.6% annualized increase in loans from the previous quarter. ### Total Deposits Total deposits amounted to $2.5 billion at June 30, 2026, an increase of $116.6 million or 5.0% from $2.3 billion at June 30, 2025. ### Total Stockholders’ Equity Total stockholders’ equity was $233.2 million at June 30, 2026, an increase of $1.7 million or 0.7% from $231.6 million at June 30, 2025. This figure included an accumulated other comprehensive loss of -$31.4 million at June 30, 2026, which improved from -$41.8 million at June 30, 2025. ### Allowance for Credit Losses (ACL) The ACL increased by $1.8 million to $26.7 million at June 30, 2026, from $24.9 million at June 30, 2025. The ACL represented 1.15% of total loans at June 30, 2026, compared to 1.18% at June 30, 2025. ### Provision for Credit Losses The provision for credit losses was $1.3 million for the quarter ended June 30, 2026, an increase of $236 thousand compared to $1.0 million for the same period in 2025. For the six months ended June 30, 2026, the provision for credit losses was $2,068 thousand, compared to $1,712 thousand for the same period in 2025. ### Non-Performing Loans The ratio of non-performing loans to total loans was 0.09% for the quarter ended June 30, 2026, up from 0.06% for the quarter ended June 30, 2025. Non-performing loans totaled $2.1 million at June 30, 2026, compared to $1.4 million at June 30, 2025. ### Non-Interest Income Non-interest income was $3.6 million for the three months ended June 30, 2026, an increase of $190 thousand or 5.6% compared to $3.4 million for the same period in 2025. For the six months ended June 30, 2026, total non-interest income was $7,710 thousand, compared to $7,086 thousand for the same period in 2025. ### Non-Interest Expense Non-interest expense was $14.0 million for the three months ended June 30, 2026, an increase of $1.3 million or 10.5% compared to $12.6 million for the three months ended June 30, 2025. For the six months ended June 30, 2026, total non-interest expense was $27,677 thousand, compared to $24,686 thousand for the same period in 2025. ### Capital Ratios As of June 30, 2026, USCB Financial Holdings, Inc. and the Bank reported total risk-based capital ratios of 13.88% and 13.68%, respectively, both exceeding the well-capitalized minimum regulatory requirements. ### Tangible Book Value per Common Share Tangible book value per common share was $12.64 at June 30, 2026, representing an increase of $1.11 or 9.6% from $11.53 at June 30, 2025. This value was negatively affected by -$1.70 per share due to an accumulated other comprehensive loss of -$31.4 million at June 30, 2026. ### Dividends On July 20, 2026, the Board of Directors of USCB Financial Holdings, Inc. declared a quarterly cash dividend of $0.125 per share of Class A common stock, payable on September 4, 2026, to shareholders of record on August 17, 2026. ### Outlook / Guidance The provided reference does not contain any specific outlook or guidance details for USCB Financial Holdings, Inc. ### Related Stocks - [USCB.US](https://longbridge.com/en/quote/USCB.US.md) ## Related News & Research - [U.S. Century Bank posts $9.1M Q2 net income, assets top $3.0B and loan production hits $272M](https://longbridge.com/en/news/294099313.md) - [USCB Financial Highlights Strategy in Q2 2026 Presentation](https://longbridge.com/en/news/294100650.md) - [Baxter Q2 2026 Earnings Preview](https://longbridge.com/en/news/294224876.md) - [USCB Financial Earnings Call Highlights Growth, Margin Strength](https://longbridge.com/en/news/294129272.md) - [Heritage Global expects material non-cash charge from write-down of non-performing loans at lending unit](https://longbridge.com/en/news/294550170.md)