| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 24,737 | 15,798 |
| Provision for credit losses | 1,817 | 1,712 |
| Depreciation and amortization | 456 | 298 |
| Accretion of premiums on securities, net | 1,136 | 728 |
| Amortization of deferred loan fees, net | -723 | -280 |
| Stock-based compensation | 2,256 | 1,482 |
| (loss) gain on sale of available for sale securities, net | -28 | 0 |
| Gain on sale of loans held for sale, net | 804 | 676 |
| Proceeds from the sale of loans held for sale | 11,373 | 9,745 |
| Origination of loans held for sale | 10,569 | 9,069 |
| Increase in cash surrender value of bank owned life insurance | 1,451 | 955 |
| Decrease in deferred tax assets | -7,905 | -5,040 |
| Accrued interest receivable | 1,181 | 340 |
| Other assets | 7,389 | 6,586 |
| Accrued interest and other liabilities | 26,051 | 16,667 |
| Net cash provided by operating activities | 52,816 | 32,668 |
| Proceeds from maturities and pay-downs of investment securities held to maturity | 8,469 | 6,044 |
| Purchase of investment securities available for sale | 101,486 | 31,676 |
| Proceeds from maturities and pay-downs of investment securities available for sale | 16,433 | 11,063 |
| Proceeds from sales of investment securities available for sale | 31,384 | 0 |
| Net increase in loans held for investment | 78,149 | 71,439 |
| Purchase of loans held for investment | 81,392 | 70,015 |
| Additions to premises and equipment | 208 | 94 |
| Purchase of bank owned life insurance | 4,000 | 4,000 |
| Proceeds from the redemption of federal home loan bank stock | 12,778 | 8,170 |
| Purchase of federal home loan bank stock | 5,727 | 5,727 |
| Net cash used in investment activities | -201,898 | -157,674 |
| Proceeds from issuance of class a common stock, net | 558 | 317 |
| Cash dividends paid | 6,018 | 4,010 |
| Repurchase of class a common stock | 34,554 | 174 |
| Net increase in deposits | 281,610 | 161,657 |
| Proceeds from subordinated notes | 39,262 | 0 |
| Proceeds from fhlb advances | 117,000 | 117,000 |
| Repayments on federal home loan bank advances | 269,000 | 172,000 |
| Net cash provided by financing activities | 128,858 | 102,790 |
| Net decrease in cash and cash equivalents | -20,224 | -22,216 |
| Cash and cash equivalents at beginning of period | 77,035 | - |
| Cash and cash equivalents at end of period | 56,811 | - |
USCB FINANCIAL HOLDINGS, INC. (USCB)
USCB FINANCIAL HOLDINGS, INC. (USCB)