USCB Financial Holdings, Inc. (USCB)
Nasdaq: USCB · State Commercial Banks · Doral, FL · filing with the SEC since 2021
Grade6.1
◀ Past 7.9● Present 4.8▶ Future 5.1
Income statement, as filed
In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.| Fiscal year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Period ending | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 |
| Report filed | Mar 13, 2026 | Mar 14, 2025 | Mar 22, 2024 | Mar 24, 2023 | Mar 24, 2022 | · |
| For lenders | ||||||
| Interest and dividend income | 145,487 | 131,233 | 101,017 | 71,100 | 56,722 | 52,633 |
| Interest and investment income | 815 | 0 | 0 | 0 | · | · |
| Interest expense on deposits and borrowings | 61,857 | 61,297 | 42,449 | · | · | · |
| Net interest income | 83,630 | 69,936 | 58,568 | 63,661 | 52,496 | 43,597 |
| Provision for credit losses | 2,297 | 3,157 | 2,367 | 2,495 | 160 | -3,250 |
| Net interest income after provision | 81,333 | 66,779 | 56,201 | 61,166 | 52,656 | 40,347 |
| Noninterest income | 6,592 | 12,740 | 7,403 | 5,228 | 10,698 | 6,097 |
| Noninterest expense | 52,009 | 47,042 | 41,808 | 39,309 | 35,677 | 33,036 |
| Interest expense | · | · | 42,449 | 7,439 | 4,226 | 9,036 |
| Income before income taxes | 35,916 | 32,477 | 21,796 | 27,085 | 27,677 | 13,408 |
| Income tax expense | 9,816 | 7,803 | 5,251 | 6,944 | 6,600 | 2,588 |
| Net income | 26,100 | 24,674 | 16,545 | 20,141 | 21,077 | 10,820 |
| Preferred dividends | · | · | · | · | 2,077 | 3,127 |
| Net income to common shareholders | 26,100 | 24,674 | 16,545 | 20,141 | -70,585 | 7,693 |
| Earnings per share, basic | 1.34 | 1.25 | · | · | · | · |
| Earnings per share, diluted | 1.33 | 1.24 | · | · | · | · |
| Weighted average shares, basic | 19,425,746 | 19,675,444 | · | · | · | · |
| Weighted average shares, diluted | 19,650,814 | 19,831,421 | · | · | · | · |
As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. r restated by the company in a later report; b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.
What each line is, and the XBRL concept behind it
Interest and dividend income what its loans and securities earned
us-gaap:InterestAndDividendIncomeOperatingInterest and investment income what its cash and investments earned
us-gaap:InterestIncomeOtherInterest expense on deposits and borrowings what it paid for the money it lends
us-gaap:InterestExpenseOperatingNet interest income interest earned less interest paid
us-gaap:InterestIncomeExpenseNetProvision for credit losses set aside for loans that may not be repaid
us-gaap:ProvisionForLoanLeaseAndOtherLosses
us-gaap:ProvisionForLoanAndLeaseLossesNet interest income after provision interest income left after the provision
us-gaap:InterestIncomeExpenseAfterProvisionForLoanLossNoninterest income fees and other income that is not interest
us-gaap:NoninterestIncomeNoninterest expense salaries, buildings and the other costs of running the bank
us-gaap:NoninterestExpenseInterest expense what its borrowing cost
us-gaap:InterestExpenseIncome before income taxes profit before tax
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterestIncome tax expense tax charged on the period's profit
us-gaap:IncomeTaxExpenseBenefitNet income the profit or loss that belongs to the company's shareholders
us-gaap:NetIncomeLossPreferred dividends paid to preferred holders before common shareholders
us-gaap:PreferredStockDividendsIncomeStatementImpactNet income to common shareholders what is left for common shareholders
us-gaap:NetIncomeLossAvailableToCommonStockholdersBasicEarnings per share, basic net income per share outstanding
us-gaap:EarningsPerShareBasicEarnings per share, diluted net income per share, counting every share that could be issued
us-gaap:EarningsPerShareDilutedWeighted average shares, basic the average count of shares outstanding
us-gaap:WeightedAverageNumberOfSharesOutstandingBasicWeighted average shares, diluted the average count with every share that could be issued
us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding