| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 9,351 | 1,363 | 8,939 | 15,798 |
| Provision for credit losses | 801 | 480 | 105 | 1,712 |
| Depreciation and amortization | 166 | 163 | 158 | 298 |
| Accretion of premiums on securities, net | 374 | 404 | 408 | 728 |
| Amortization of deferred loan fees, net | -269 | -297 | -443 | -280 |
| Stock-based compensation | 889 | 749 | 774 | 1,482 |
| Gain on sale of available for sale securities, net | 14 | -7,498 | -28 | 0 |
| Gain on sale of loans held for sale, net | 106 | 197 | 128 | 676 |
| Proceeds from the sale of loans held for sale | 1,329 | 2,437 | 1,628 | 9,745 |
| Origination of loans held for sale | 1,223 | 2,240 | 1,500 | 9,069 |
| Increase in cash surrender value of bank owned life insurance | 496 | 501 | 496 | 955 |
| Amortization of subordinated debt issuance costs | 38 | NaN | NaN | NaN |
| Decrease in deferred tax assets | NaN | 1,149 | -2,865 | -5,040 |
| Deferred income tax expense (benefit) | -581 | NaN | NaN | NaN |
| Accrued interest receivable | 112 | -465 | 841 | 340 |
| Other assets | 62 | -1,459 | 803 | 6,586 |
| Accrued interest and other liabilities | 5,401 | -20,431 | 9,384 | 16,667 |
| Net cash provided by operating activities | 15,276 | -10,011 | 20,148 | 32,668 |
| Proceeds from maturities and pay-downs of investment securities held to maturity | 4,063 | 2,466 | 2,425 | 6,044 |
| Purchase of investment securities available for sale | 13,631 | 38,355 | 69,810 | 31,676 |
| Proceeds from maturities and pay-downs of investment securities available for sale | 4,964 | 6,931 | 5,370 | 11,063 |
| Proceeds from sales of investment securities available for sale | 37,181 | 51,113 | 31,384 | 0 |
| Net increase in loans held for investment | 7,968 | 58,577 | 6,710 | 71,439 |
| Purchase of loans held for investment | 44,090 | 0 | 11,377 | 70,015 |
| Additions to premises and equipment | 320 | 95 | 114 | 94 |
| Purchase of bank owned life insurance | 0 | 0 | 0 | 4,000 |
| Proceeds from the redemption of federal home loan bank stock | 6,994 | 3,443 | 4,608 | 8,170 |
| Purchase of federal home loan bank stock | 2,141 | 10,438 | 0 | 5,727 |
| Proceeds from subordinated notes | NaN | NaN | 39,262 | 0 |
| Net cash used in investment activities | -14,948 | -43,512 | -44,224 | -157,674 |
| Proceeds from issuance of class a common stock, net | 191 | 246 | 241 | 317 |
| Cash dividends paid | 2,282 | 1,811 | 2,008 | 4,010 |
| Repurchase of class a common stock | 1,001 | 0 | 34,380 | 174 |
| Net increase in deposits | 148,500 | -110,534 | 119,953 | 161,657 |
| Proceeds from subordinated notes, net | NaN | 39,300 | NaN | NaN |
| Proceeds from federal home loan bank advances and other borrowings | NaN | 336,750 | NaN | NaN |
| Proceeds from fhlb advances | -75,000 | NaN | 0 | 117,000 |
| Repayments on federal home loan bank advances | 147,250 | 72,500 | 97,000 | 172,000 |
| Net cash provided by financing activities | 40,158 | 35,189 | 26,068 | 102,790 |
| Net increase in cash and cash equivalents | 40,486 | -18,334 | 1,992 | -22,216 |
| Cash and cash equivalents at beginning of period | 38,477 | 56,811 | 77,035 | NaN |
| Cash and cash equivalents at end of period | 78,963 | 38,477 | 56,811 | NaN |
USCB FINANCIAL HOLDINGS, INC. (USCB)
USCB FINANCIAL HOLDINGS, INC. (USCB)