Short answer
USCB FINANCIAL HOLDINGS, INC. (USCB) filed an 8-K current report with the SEC on July 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). Exhibit 99.1 furnished under Item 2.02, covering USCB Financial Holdings’ fiscal-year 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
- Exhibit 99.1 furnished under Item 2.02, covering USCB Financial Holdings’ fiscal-year results
- Financial details and management commentary available in the referenced exhibit
- Exhibit excluded from Exchange Act Section 18 liability and generally not incorporated into other filings
Item 7.01 · Regulation FD Disclosure
- Exhibit 99.2 furnished under Regulation FD, containing the substantive disclosure referenced by this 8-K
- Exhibit excluded from Section 18 Exchange Act liability and generally not incorporated into other filings
Item EX-99.1 · Exhibit EX-99.1
- Q2 2026 net income $9.1M, or $0.49 diluted EPS, versus $8.1M and $0.40 year-over-year
- Loan growth accelerated to 14.6% annualized linked-quarter, with $272.0M record new fundings and assets surpassing $3.0B
- Net interest margin improved to 3.49% from 3.28%, while efficiency ratio improved to 49.97% from 51.77%
- Credit metrics remained strong, with non-performing loans at 0.09% and allowance coverage at 1,243%
- Quarterly dividend increased to $0.125 per share, payable September 4, 2026
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