Financial insights of USCB

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$9,351K
EPS
$0.51
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Loans, including fees	32,789	30,943*	32,866	31,946
Investment securities	3,411	3,284*	3,522	3,432
Interest-bearing deposits in financial institutions	832	450*	1,332	776
Total interest income	37,032	34,677*	37,720	36,154
Interest-bearing demand deposits	310	427*	286	285
Savings and money market deposits	8,133	9,004*	10,343	9,410
Time deposits	4,700	4,036*	5,036	4,343
Federal home loan bank advances	1,040	1,050*	377	1,082
Subordinated notes	801	-7*	404	-
Total interest expense	14,984	14,508*	16,446	15,120
Net interest income before provision for credit losses	22,048	20,169*	21,274	21,034
Provision for credit losses	801	593*	105	1,031
Net interest income after provision for credit losses	21,247	19,576*	21,169	20,003
Service fees	3,100	2,009*	2,661	2,402
Gain on sale of securities available for sale, net	14	-7,484*	-28	0
Gain on sale of loans held for sale, net	106	583*	128	151
Other non-interest income	930	904*	923	817
Total non-interest income	4,150	-3,989*	3,684	3,370
Salaries and employee benefits	8,570	8,373*	7,909	7,954
Occupancy	1,316	1,252*	1,382	1,337
Regulatory assessments and fees	484	478*	377	396
Consulting and legal fees	561	669*	585	263
Network and information technology services	560	494*	656	564
Other operating expense	2,220	2,222*	2,139	2,120
Total non-interest expense	13,711	13,486*	13,048	12,634
Income before income tax expense	11,686	2,101*	11,805	10,739
Income tax expense	2,335	1,619*	2,866	2,599
Net income	9,351	482	8,939	8,140
Net income available to common stockholders	-	482	-	-

Basic EPS	0.51	0.025	0.46	-
Diluted EPS	0.51	-0	0.45	-
Basic Average Shares	18,214,041	19,326,694	19,524,798	-
Diluted Average Shares	18,454,006	-19,716,518,372	19,755,820,000	-

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$9,351K
EPS
$0.51
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$9,351K
EPS
$0.51
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$9,351KEPS$0.51Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$9,351KEPS$0.51Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$9,351K
EPS
$0.51
Unit: Thousand (K) dollars

Net Income
$9,351K
EPS
$0.51
Unit: Thousand (K) dollars