USCB Financial Holdings, Inc. Class A ( (USCB) ) has released its Q2 earnings. Here is a breakdown of the information USCB Financial Holdings, Inc. Class A presented to its investors.
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USCB Financial Holdings, Inc. is a bank holding company for U.S. Century Bank, one of the largest community banks in Miami and Florida, offering a wide range of financial products and services. In its latest earnings report, USCB Financial Holdings, Inc. announced a record fully diluted EPS of $0.40 for the second quarter of 2025, with net income rising to $8.1 million from $6.2 million in the same period last year. The company highlighted a strong net interest margin of 3.28%, driven by healthy loan growth and disciplined deposit pricing.
The company’s key financial metrics showed significant improvement, with an annualized return on average assets of 1.22% and a return on average equity of 14.29%. Total assets increased by 10.6% to $2.7 billion, while total loans and deposits grew by 13.1% and 13.6%, respectively. The efficiency ratio improved to 51.77%, reflecting better operational efficiency. Additionally, the company’s net interest income before provision for credit losses rose by 21.5% to $21.0 million.
Asset quality remained stable, with the allowance for credit losses increasing slightly to $24.9 million. Non-performing loans were minimal, representing just 0.06% of total loans. Non-interest income saw a modest increase of 5.0%, while non-interest expenses rose by 9.3%, primarily due to higher salaries and employee benefits.
Looking ahead, USCB Financial Holdings, Inc. remains focused on sustaining its growth momentum while managing risks and capital allocation prudently. The company is committed to delivering long-term value to its shareholders, supported by its strong financial performance and strategic initiatives.