USCB Financial Holdings, Inc. (NASDAQ: USCB) posted Q4 2025 net income of $1.4 million, or $0.07 per fully diluted share. This compared to $6.9 million, or $0.34 per share, in Q4 2024. Operating diluted EPS, excluding restructuring and tax items, was $0.44.
Profitability Metrics
Fully diluted EPS reflected a $0.31 after-tax loss from a $44.6 million securities sale and $0.06 from prior tax liabilities. ROAA was 0.19%; ROAE was 2.55%. Operating ROAA reached 1.14%; operating ROAE hit 15.05%.
Net interest income rose 14.7% to $22.2 million. Net interest margin expanded to 3.27% from 3.16%. Efficiency ratio was 79.18%; operating efficiency ratio stayed at 55.92%.
CEO Luis de la Aguilera noted solid execution and three record EPS quarters. Proceeds from securities sales funded loan reinvestments. The strategy aims to boost 2026 profitability.
Balance Sheet Growth
Total assets grew 8.1% to $2.8 billion from December 31, 2024. Loans held for investment increased 11.0% to $2.2 billion. Deposits rose 7.9% to $2.3 billion.
Stockholders’ equity edged up 0.8% to $217.2 million. Accumulated other comprehensive loss improved to $30.3 million from $44.5 million. Tangible book value per share climbed 10.8% to $11.97.
Asset Quality and Capital
Allowance for credit losses rose to $25.5 million, or 1.16% of loans. Provision for credit losses fell to $480 thousand from $1.0 million. Non-performing loans ratio held at 0.14%; total non-performers were $3.1 million.
Non-interest income swung to negative $4.2 million due to $7.5 million pre-tax securities loss. Non-interest expense increased to $14.3 million from $12.9 million.
Risk-based capital ratios were strong at 13.91% for the company and 13.67% for the bank. The board declared a $0.125 quarterly dividend, payable March 5, 2026.
About
USCB Financial Holdings, Inc. serves as the holding company for U.S. Century Bank, a prominent community bank founded in 2002 and headquartered in Miami, Florida. The bank ranks among the largest community institutions in the state, providing a broad array of financial products and services to its customers.
