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USCB FINANCIAL HOLDINGS, INC. (USCB) filed an 8-K current report with the SEC on April 23, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item 7.01 (Regulation FD Disclosure), Item EX-99.1 (Exhibit EX-99.1). Earnings disclosure covers fiscal year 2026 results.
USCB FINANCIAL HOLDINGS, INC. 8-K event analysis
AI summary of each reported item and its exhibits
Item 2.02 · Results of Operations and Financial Condition
- Earnings disclosure covers fiscal year 2026 results
- Exhibit 99.1 contains the substantive financial information
- Exhibit furnished, not filed under Exchange Act Section 18
- Investor analysis requires review of Exhibit 99.1 for reported results
Item 7.01 · Regulation FD Disclosure
- Exhibit 99.2 furnished under Regulation FD, signaling supplemental investor information accompanies this Form 8-K
- Exhibit excluded from Section 18 liability and generally not incorporated into future Securities Act or Exchange Act filings
Item EX-99.1 · Exhibit EX-99.1
- Q1 2026 net income $9.4M and diluted EPS $0.51, up from $7.7M and $0.38 year over year
- Core profitability strengthened with net interest income up 15.3% to $22.0M and margin expanding to 3.27%
- Loans grew 10.1% to $2.2B while deposits increased 8.0% to $2.5B, supporting continued balance-sheet expansion
- Credit quality improved with non-performing loans falling to 0.16% of loans from 0.20%, despite provision rising to $801K
- Quarterly dividend increased to $0.125 per share, payable June 5, 2026, while tangible book value rose 8.9% to $12.23 per share
Generated from the filing text and exhibits; verify against the original. What 8-K item codes mean
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