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.