USCB Financial Holdings Reports Record EPS Growth, Surpasses $2 Billion Loan Mark

USCB Financial Holdings Inc reported a 65% increase in fully diluted EPS to $0.38, surpassing the $2 billion loan mark and experiencing 8.1% deposit growth. However, the net interest margin declined by 6 basis points, and loan yields decreased by 8 basis points. The company declared a $0.10 per share dividend, doubling the previous amount, and expects the net interest margin to be flat to slightly up.

USCB Financial Holdings Inc, the holding company for U.S. Century Bank, reported its financial results for the second quarter of 2025, showing a significant increase in earnings per share (EPS) and strong asset growth. The company reported net income of $8.1 million, or $0.40 per fully diluted share, up from $6.2 million or $0.31 per fully diluted share in the same period last year [1].

The company's earnings per share (EPS) increased by 65% to $0.38, surpassing the $2 billion loan mark and experiencing 8.1% deposit growth. However, the net interest margin (NIM) declined by 6 basis points to 3.28%, and loan yields decreased by 8 basis points [1].

USCB Financial Holdings also declared a quarterly cash dividend of $0.10 per share, doubling the previous amount. The dividend will be paid on September 5, 2025, to shareholders of record at the close of business on August 15, 2025 [1].

The company's total assets increased to $2.7 billion, up 10.6% from $2.5 billion at June 30, 2024. Total loans held for investment increased by 13.1% to $2.1 billion, and total deposits increased by 13.6% to $2.3 billion [1].

USCB Financial Holdings expects the net interest margin to be flat to slightly up in the future. The company's risk-based capital ratios are well in excess of regulatory requirements, with total risk-based capital ratios of 13.73% and 13.67% for the Company and the Bank, respectively [1].

The company will host a conference call on July 25, 2025, to discuss its unaudited financial results for the quarter ended June 30, 2025. Interested parties can dial (833) 816-1416 to join the call or listen to a live webcast in the "Investor Relations" section of the Company's website [1].

References:
[1] https://finance.yahoo.com/news/uscb-financial-holdings-inc-reports-203000791.html