USCB Financial Holdings, Inc. Reports Record Fully Diluted EPS of $0.45 for Q3 2025; ROAA of 1.27% and ROAE of 15.74%

Core Insights - USCB Financial Holdings, Inc. reported a net income of $8.9 million or $0.45 per fully diluted share for Q3 2025, an increase from $6.9 million or $0.35 per share in Q3 2024, marking the third consecutive quarter of record earnings per share [1][2]. Profitability - The annualized return on average assets for Q3 2025 was 1.27%, up from 1.11% in Q3 2024 [5]. - The annualized return on average stockholders' equity for Q3 2025 was 15.74%, compared to 13.38% in Q3 2024 [5]. - The efficiency ratio improved to 52.28% in Q3 2025 from 53.16% in Q3 2024 [5]. - The net interest margin increased to 3.14% in Q3 2025 from 3.03% in Q3 2024 [5]. - Net interest income before provision for credit losses rose to $21.3 million, a 17.5% increase from $18.1 million in Q3 2024 [5]. Balance Sheet - Total assets reached $2.8 billion as of September 30, 2025, an increase of $264 million or 10.5% from $2.5 billion a year earlier [5]. - Total loans held for investment were $2.1 billion, up $199.6 million or 10.3% from $1.9 billion in Q3 2024 [5]. - Total deposits increased to $2.5 billion, reflecting a rise of $329 million or 15.5% from $2.1 billion in Q3 2024 [5]. - Total stockholders' equity was $209.1 million, a decrease of $4.8 million or 2.3% from $213.9 million in Q3 2024 [5]. Capital - The Company issued $40 million in subordinated notes on August 14, 2025, primarily to repurchase 2 million shares of Class A common stock at an average price of $17.19 per share [5]. - As of September 30, 2025, total risk-based capital ratios for the Company and the Bank were 14.20% and 13.93%, respectively, exceeding regulatory requirements [5]. - Tangible book value per common share increased to $11.55, up $0.65 or 5.9% from $10.90 a year earlier [5]. Non-interest Income and Non-interest Expense - Non-interest income for Q3 2025 was $3.7 million, a 7.2% increase from $3.4 million in Q3 2024 [5]. - Non-interest expense rose to $13.0 million, an increase of $1.6 million or 13.9% compared to $11.5 million in Q3 2024 [5].