For the year ending 2025-12-31, USCB had -$38,558K decrease in cash & cash equivalents over the period. $42,502K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 26,100 |
| Provision for credit losses | 2,297 |
| Depreciation and amortization | 619 |
| Accretion of premiums on securities, net | 1,540 |
| Amortization of deferred loan fees, net | -1,020 |
| Stock-based compensation | 3,005 |
| Loss (gain) on sale of available for sale securities | -7,526 |
| Gain on sale of loans held for sale | 1,001 |
| Proceeds from the sale of loans held for sale | 13,810 |
| Origination of loans held for sale | 12,809 |
| Increase in cash surrender value of bank owned life insurance | 1,952 |
| Decrease in deferred tax assets | -6,756 |
| Accrued interest receivable | 716 |
| Other assets | 5,930 |
| Accrued interest and other liabilities | 5,620 |
| Net cash provided by operating activities | 42,805 |
| Proceeds from maturities and pay-downs of investment securities held to maturity | 10,935 |
| Purchase of investment securities available for sale | 139,841 |
| Proceeds from maturities and pay-downs of investment securities available for sale | 23,364 |
| Proceeds from sales of investment securities available for sale | 82,497 |
| Net increase in loans held for investment | 136,726 |
| Purchase of loans held for investment | 81,392 |
| Additions to premises and equipment | 303 |
| Proceeds from the redemption of federal home loan bank stock | 16,221 |
| Purchase of federal home loan bank stock | 16,165 |
| Purchase of bank owned life insurance, net | 4,000 |
| Net cash used in investment activities | -245,410 |
| Proceeds from exercise of class a common stock options, net | 804 |
| Cash dividends paid | 7,829 |
| Repurchase of class a common stock | 34,554 |
| Net increase in deposits | 171,076 |
| Proceeds from subordinated notes, net | 39,300 |
| Proceeds from federal home loan bank advances and other borrowings | 336,750 |
| Repayments on federal home loan bank advances and other borrowings | 341,500 |
| Net cash provided by financing activities | 164,047 |
| Net increase (decrease) in cash and cash equivalents | -38,558 |
| Cash and cash equivalents at beginning of period | 77,035 |
| Cash and cash equivalents at end of period | 38,477 |
USCB
USCB