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- **Record Earnings Growth**: $8.9M net income (+29% YoY), EPS $0.45, ROA 1.27%, ROE 15.74%.
- **Balance Sheet Expansion**: Assets $2.8B (+10.5%), deposits $2.5B (+15.5%), loans $2.1B (+10.3%).
- **Margin Recovery**: NIM 3.14% vs. 3.03% YoY, guided to 3.27%+ in Q4 with rate cuts.
- **Credit Excellence**: NPL ratio 0.06%, ACL 1.17%, 42% non-CRE loans.
- **Share Buyback**: $40M sub debt used to repurchase 10% of shares at $17.19, TBV +6% YoY.
- **Strategic Growth**: HOA vertical targeting 18-month book doubling, 27% deposits from scalable verticals.

**【CEO Opening Remarks】**
- **Record Q3 Performance**: Net income of $8.9 million ($0.45 EPS), up 29% YoY. ROA improved to 1.27%, ROE to 15.74%, and efficiency ratio to 52.28%.
- **Balance Sheet Growth**: Total assets reached $2.8 billion (+10.5% YoY), deposits $2.5 billion (+15.5% YoY), loans $2.1 billion (+10.3% YoY).
- **Capital Strength**: Tangible book value per share rose to $11.55 (+6% YoY). Subordinated debt issuance of $40 million used to repurchase 2 million shares at $17.19.
- **Credit Quality**: NPL ratio at 0.06%, ACL at 1.17% of loans. Non-CRE loans now 42% of portfolio.

**【CFO Financial Commentary】**
- **Revenue Growth**: Net interest income up $3.2 million (+17.5% YoY). NIM expanded to 3.14% vs. 3.03% YoY, despite yacht loan payoffs ($10M in August).
- **Deposit Management**: DDA costs stable at 3.29%, total deposit costs up 7bps due to mix shift. $100M brokered CDs issued for rate collar hedging (cap 4.5%, floor 1.88%).
- **Securities Portfolio**: $480M in AFS/Held-to-Maturity bonds yielding 3.03%, with $76M in 2025 purchases at 6% yield. 79% in liquid agency MBS.
- **ALM Strategy**: Liability-sensitive balance sheet with 60% deposit beta. 62% of loans variable/hybrid, 40% repricing within 1 year.

**【Chief Credit Officer Remarks】**
- **Credit Metrics**: ACL at $25M (1.17% of loans). NPLs at $1.3M (0.06%), classified loans at $4.7M (0.22%). LTV <60% for CRE, DSCR adequate across segments.
- **Portfolio Diversification**: 57% CRE loans split between retail, multifamily, and owner-occupied. 42% non-CRE loans, 27% deposits from verticals (Assoc. Banking, Private Client, Correspondent).

**【Q&A Highlights】**
- **Loan Momentum**: September loan production ($19M net) driven by pipeline strength. Q4 expected to return to 8% annualized growth. New loan yields 6.43% vs. portfolio 6.21%.
- **Margin Outlook**: September NIM 3.27%, guided to improve in Q4 with rate cuts and loan growth. Securities portfolio restructuring could add 100bps to margin.
- **Expense Management**: Q3 expenses $13M (+$188K one-time costs). Efficiency ratio ~52%, stable with planned hires in verticals.
- **Strategic Initiatives**: HOA banking vertical targeting 18-month doubling of book. SBA delays ($200K in Q3) expected to resolve in Q1 2026. Swap fees up due to rate volatility.


USCB Financial Holdings, Inc. (USCB) Q3 2025 Earnings Call Transcript

Revenue

Sales and Services Revenue

Financing Services Revenue

Other Revenue

Cost of Revenue

Cost of Goods and Services

Cost of Financing Services

Other Cost

Gross Profit

Other Operating Income

Operating Expenses

Selling, General and Administrative Expenses

Selling and Marketing Expenses

General and Administrative Expenses

Research and Development Expenses

Loss on Bad Debts

Loss on Impairment of Other Assets

Loss on Disposal of Assets

Other Operating Expenses

Operating Income

Non-Operating Income (Loss)

Income (Loss) from Affiliates

Income (Loss) from Associates

Income (Loss) from Joint ventures

Gain (Loss) on Other Investment

Gain (Loss) on Change in Fair Value

Gain (Loss) on Foreign Currency Exchange

Other Non-Operating Income (Loss)

Net Interest Expense

Interest Expense

Interest Income

Pretax Income From Continuing Operations

Income Tax Expense

Current Income Tax

Deferred Income Tax

Income Tax Adjustments

Net Income from Continuing Operations

Income from Discontinued Operations

Other Items Before Net Income

Net Income

Net Income Attributable to Minority Interests

Net Income Attributable to Owners of the Company

Preferred Stock Dividends

Other Adjustments

Net Income Attributable to Common Stockholders

Other Comprehensive Income

Total Comprehensive Income

Total Comprehensive Income Attributable to Minority Interests

Total Comprehensive Income Attributable to Owners of the Company

Basic EPS

Basic EPS from Continuing Operations

Basic EPS from Discontinued Operations

Diluted EPS

Diluted EPS from Continuing Operations

Diluted EPS from Discontinued Operations

USCB

USCB fundamentals

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