Financial insights of USCB

MyFinsight

For the quarter ending 2025-09-30, USCB made $70,926K in revenue. $8,939K in net income. Net profit margin of 12.60%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30
Loans, including fees	32,866	31,946
Investment securities	3,522	3,432
Interest-bearing deposits in financial institutions	1,332	776
Total interest income	37,720	36,154
Interest-bearing demand deposits	286	285
Savings and money market deposits	10,343	9,410
Time deposits	5,036	4,343
Federal home loan bank advances and other borrowings	377	1,082
Subordinated notes	404	-
Total interest expense	16,446	15,120
Net interest income before provision for credit losses	21,274	21,034
Provision for credit losses	105	1,031
Net interest income after provision for credit losses	21,169	20,003
Service fees	2,661	2,402
(loss) gain on sale of securities available for sale, net	-28	0
Gain on sale of loans held for sale, net	128	151
Other non-interest income	923	817
Total non-interest income	3,684	3,370
Salaries and employee benefits	7,909	7,954
Occupancy	1,382	1,337
Regulatory assessments and fees	377	396
Consulting and legal fees	585	263
Network and information technology services	656	564
Other operating expense	2,139	2,120
Total non-interest expense	13,048	12,634
Income before income tax expense	11,805	10,739
Income tax expense	2,866	2,599
Net income	8,939	8,140

Earnings per share basic	0.46	-
Earnings per share diluted	0.45	-
Weighted average number of shares outstanding basic	19,524,798	-
Weighted average number of shares outstanding, diluted	19,755,820,000	-