Financial insights of USCB

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans, including fees	128,160
Investment securities	13,715
Interest-bearing deposits in financial institutions	3,612
Total interest income	145,487
Interest-bearing checking deposits	1,283
Savings and money markets deposits	38,027
Time deposits	18,104
Federal home loan bank advances	3,238
Subordinated notes	1,205
Total interest expense	61,857
Net interest income before provision for credit losses	83,630
Provision for credit losses	2,297
Net interest income after provision for credit losses	81,333
Service fees	9,603
(loss) gain on sale of securities available for sale, net	-7,526
Gain on sale of loans held for sale, net	1,001
Other non-interest income	3,514
Total non-interest income	6,592
Salaries and employee benefits	32,167
Occupancy	5,330
Regulatory assessment and fees	1,637
Consulting and legal fees	1,941
Network and information technology services	2,324
Other operating expense	8,610
Total non-interest expense	52,009
Net income before income tax expense	35,916
Income tax expense	9,816
Net income	26,100
Net income available to common stockholders	26,100

Basic EPS	1.34
Diluted EPS	1.33
Basic Average Shares	19,425,746
Diluted Average Shares	19,650,814