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USCB Financial Holdings
USCB Financial Holdings (USCB) investor relations material
USCB Financial Holdings Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary23 Jan, 2026
Executive summary
Total assets reached $2.8 billion, up 8.1% year-over-year, with loans growing 11% and deposits up 7.9% year-over-year.
Net income for Q4 2025 was $1.4 million ($0.07 per diluted share), impacted by a $5.6 million after-tax securities loss and a $0.06 per share tax expense; operating EPS was $0.44, consistent with the prior quarter.
Tangible book value per share increased 10.8% year-over-year to $11.97, and credit quality remains strong with non-performing loans at 0.14%.
Board declared a 25% higher quarterly dividend of $0.125 per share, payable March 2026.
Portfolio restructuring involved selling $44.6 million in lower-yielding securities for an after-tax loss of $5.6 million, with proceeds reinvested into higher-yielding loans.
Financial highlights
Net interest income before provision for credit losses increased 14.7% year-over-year to $22.2 million.
Net interest margin improved to 3.27% from 3.16% a year ago.
Operating return on average assets was 1.14%, and operating return on average equity was 15.05%.
Efficiency ratio was 55.92% (operating, non-GAAP), unchanged year-over-year.
Total revenue was $18.0 million, down from $22.9 million in Q4 2024, due to a $7.5 million loss on sale of securities.
Outlook and guidance
Expectation for NIM to be flat to slightly up in Q1 2026, with further expansion possible if rate cuts occur.
Loan growth guidance is high single digits to low double digits for 2026.
Non-interest income projected at $3.5–$3.8 million per quarter in 2026.
Tax rate guidance set at 26.4% for 2026 due to out-of-state income recognition.
Portfolio restructuring and reinvestment into higher-yielding loans expected to support future earnings.
Expected NIM benefit from portfolio restructure?
Are Q4 non-operating expenses truly non-recurring?
Drivers of lower ACL % despite loan growth?
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Next USCB Financial Holdings earnings date
Q1 202624 Apr, 2026
USCB Financial Holdings
Next USCB Financial Holdings earnings date
Q1 202624 Apr, 2026
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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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