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USCB Financial Holdings (USCB) investor relations material
USCB Financial Holdings Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
Net income for Q2 2025 was $8.1 million, up 31.1% year-over-year, with EPS of $0.40, driven by strong loan and deposit growth and improved profitability ratios.
Total assets reached $2.72 billion, up 10.6% year-over-year; total loans held for investment grew 13.1% to $2.11 billion; deposits rose 13.6% to $2.34 billion.
Tangible book value per share increased to $11.53, up 10.7% annualized from Q1 2025.
Board declared a $0.10 per share dividend, payable in September 2025.
Profitability ratios improved, with NIM at 3.28% and efficiency ratio at 51.77%.
Financial highlights
Net interest income for Q2 2025 was $21.0 million, up 21.5% year-over-year; non-interest income was $3.4 million, 13.8% of total revenue.
Total revenue reached $24.4 million, up from $20.5 million in Q2 2024.
Non-interest expense increased 9.3% to $12.6 million, mainly due to higher salaries and benefits.
Provision for credit losses was $1.0 million in Q2 2025, reflecting loan growth.
Tangible book value per share rose to $11.53.
Outlook and guidance
Management expects continued loan and deposit growth, with a focus on commercial real estate lending and double-digit loan growth supported by a strong pipeline.
Loan yields expected to remain stable or improve as new loans are booked at higher yields.
Margin should improve in a rate cut environment due to liability sensitive balance sheet.
Expense base expected to remain steady or gradually increase with performance.
Liquidity and capital resources are considered adequate to support ongoing growth and operations.
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Next USCB Financial Holdings earnings date
Q3 202524 Oct, 2025
Next USCB Financial Holdings earnings date
Q3 202524 Oct, 2025
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Frequently asked questions
USCB Financial Holdings Inc., operating under the brand name USCB, is a financial institution that primarily engages in providing a broad range of banking and financial services. These services include personal banking, commercial banking, and wealth management. The company caters to individual consumers as well as small to medium-sized business clients, offering products such as checking accounts, savings accounts, loans, and investment services. Additionally, USCB is involved in community banking, emphasizing personalized service and local financial solutions to meet the unique needs of the communities it serves. The company is headquartered in Los Angeles, California, and its shares are listed on the NASDAQ.
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