Core Viewpoint - USCB Financial Holdings, Inc. reported a significant decline in net income for Q4 2025, with net income of $1.4 million or $0.07 per diluted share, down from $6.9 million or $0.34 per diluted share in Q4 2024, primarily due to strategic portfolio restructuring and tax liabilities [1][2][3] Profitability - Fully diluted EPS for Q4 2025 was $0.07, reflecting an after-tax impact of ($0.31) per diluted share from a portfolio restructuring strategy and an additional ($0.06) per diluted share related to tax liabilities from prior periods [2] - Operating diluted EPS for Q4 2025, excluding these impacts, was $0.44, consistent with the prior quarter [2] - Return on average assets (ROAA) for Q4 2025 was 0.19%, down from 1.08% in Q4 2024, while operating ROAA was 1.14%, slightly up from 1.08% [6] - Return on average equity (ROAE) for Q4 2025 was 2.55%, down from 12.73% in Q4 2024, while operating ROAE was 15.05%, up from 12.73% [6] Balance Sheet - Total assets increased to $2.8 billion at December 31, 2025, an increase of $210.3 million or 8.1% from $2.6 billion at December 31, 2024 [5] - Total loans held for investment rose to $2.2 billion, an increase of $216.4 million or 11.0% from $2.0 billion at December 31, 2024 [10] - Total deposits reached $2.3 billion, up by $171.1 million or 7.9% from $2.2 billion at December 31, 2024 [10] - Total stockholders' equity was $217.2 million, an increase of $1.8 million or 0.8% from $215.4 million at December 31, 2024 [10] Asset Quality - The allowance for credit losses increased by $1.4 million to $25.5 million at December 31, 2025, representing 1.16% of total loans, down from 1.22% at December 31, 2024 [10] - The provision for credit loss was $480 thousand for Q4 2025, a decrease of $550 thousand compared to $1.0 million for Q4 2024 [10] - The ratio of non-performing loans to total loans was 0.14% for both quarters ended December 31, 2025, and December 31, 2024 [10] Non-interest Income and Non-interest Expense - Non-interest income was negative $4.2 million for Q4 2025, compared to positive income of $3.6 million for Q4 2024, primarily due to a $7.5 million pre-tax loss on the sale of securities [10] - Non-interest expense for Q4 2025 was $14.3 million, compared to $12.9 million for Q4 2024 [10] Capital - The total risk-based capital ratios for the Company and the Bank were 13.91% and 13.67%, respectively, well above regulatory requirements [10] - Tangible book value per common share was $11.97 at December 31, 2025, an increase of $1.16 or 10.8% from $10.81 at December 31, 2024 [10]

Core Viewpoint - USCB Financial Holdings, Inc. announced a quarterly cash dividend increase of 25.0% to $0.125 per share of Class A common stock, payable on March 5, 2026 [1] Company Overview - USCB Financial Holdings, Inc. is the holding company for U.S. Century Bank, established in 2002 and recognized as one of the largest community banks in Miami and Florida [2] - U.S. Century Bank holds a 5-Star rating from BauerFinancial, indicating strong financial health [2] - The bank offers a variety of financial products and services while actively supporting community organizations such as the Greater Miami Chamber of Commerce and the South Florida Hispanic Chamber of Commerce [2]

Core Viewpoint - USCB Financial Holdings, Inc. has sold $44.6 million in available-for-sale securities to enhance future earnings and profitability, despite a short-term decrease in net income for Q4 2025 [1][2]. Group 1: Financial Strategy - The company aims to improve its balance sheet by selling lower-yielding assets and reinvesting the proceeds into higher-yielding loans, particularly in commercial real estate [2]. - The sold AFS securities accounted for approximately 12.6% of the AFS portfolio as of November 30, 2025, with a weighted average yield of 1.70% [2]. - The restructuring is expected to yield a 3.5-year capital earn back and contribute approximately 7 basis points to annualized net interest margin starting in Q1 2026, leading to an estimated $0.08 EPS accretion over the next four quarters [2]. Group 2: Management Insights - The Chairman, President, and CEO of the company expressed confidence that the strategy will create significant opportunities for value delivery through stronger earnings and improved net interest margins [2][3]. - The company maintains a strong capital position, exceeding regulatory requirements for being categorized as "well-capitalized" [3]. Group 3: Company Background - USCB Financial Holdings, Inc. is the holding company for U.S. Century Bank, one of the largest community banks in Miami and Florida, established in 2002 [4]. - U.S. Century Bank is rated 5-Stars by BauerFinancial and offers a wide range of financial products and services while supporting various community organizations [4].

Core Points - USCB Financial Holdings, Inc. declared a regular quarterly cash dividend of $0.10 per share of Class A common stock, payable on December 5, 2025, to shareholders of record as of November 14, 2025 [1] - Future dividend payments will be subject to quarterly review and approval by the Board of Directors [1] Company Overview - USCB Financial Holdings, Inc. is the bank holding company for U.S. Century Bank, established in 2002 [2] - U.S. Century Bank is one of the largest community banks headquartered in Miami and in Florida [2] - The bank is rated 5-Stars by BauerFinancial, indicating a strong financial standing [2] - U.S. Century Bank offers a wide range of financial products and services and supports various community organizations [2]

Core Viewpoint - USCB Financial Holdings, Inc. will report its financial results for the quarter ended September 30, 2025, on October 23, 2025, after market close [1] Group 1: Financial Reporting - The financial results announcement will be followed by a conference call featuring key executives including the Chairman, President, and CEO, Luis de la Aguilera, and the Chief Financial Officer, Robert Anderson [1] - The conference call is scheduled for October 24, 2025, at 11:00 AM Eastern Time [2] - A live audio webcast of the call will be available on the investor relations page of the Company's website [2] Group 2: Company Overview - USCB Financial Holdings, Inc. is the bank holding company for U.S. Century Bank, established in 2002 [4] - U.S. Century Bank is one of the largest community banks in Miami and Florida, rated 5-Stars by BauerFinancial [4] - The bank offers a wide range of financial products and services and supports various community organizations [4]

Core Points - USCB Financial Holdings, Inc. declared a regular quarterly cash dividend of $0.10 per share of Class A common stock, payable on September 5, 2025, to shareholders of record as of August 15, 2025 [1] - Future dividend payments will be subject to quarterly review and approval by the Board of Directors [1] Company Overview - USCB Financial Holdings, Inc. is the bank holding company for U.S. Century Bank, established in 2002 [2] - U.S. Century Bank is one of the largest community banks headquartered in Miami and in the State of Florida [2] - The bank is rated 5-Stars by BauerFinancial, an independent bank rating firm [2] - U.S. Century Bank offers a wide range of financial products and services and supports various community organizations [2]