USCB Financial Holdings Restructures Portfolio, Sells $44.6M in AFS Securities

Friday, Dec 5, 2025 4:31 pm ET1min read

USCB Financial Holdings sold $44.6 million in available-for-sale securities to improve future earnings, drive EPS growth, and increase profitability. The securities had a weighted average yield of 1.70% and the sales will result in a $5.6 million one-time after-tax loss in Q4 2025. The restructuring is expected to contribute 7 basis points to annualized net interest margin in Q1 2026, resulting in $0.08 estimated earnings per share accretion over the next four quarters.

USCB Financial Holdings Restructures Portfolio, Sells $44.6M in AFS Securities

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