USCB Financial Holdings, Inc. (USCB)

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USCB Financial Holdings, Inc.

USCB • CIK 0001901637

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Interest Income (Expense), Net	$58,568	$69,936	$83,630	$89,916
Provision for Loan, Lease, and Other Losses	$2,367	$3,157	$2,297	$2,653
Interest Income (Expense), after Provision for Loan Loss	$56,201	$66,779	$81,333	$87,263
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	$21,796	$32,477	$35,916	$39,479
Income Tax Expense (Benefit)	$5,251	$7,803	$9,816	$10,748
Net Income (Loss) Attributable to Parent	$16,545	$24,674	$26,100	$28,731
Interest and Fee Income, Loans and Leases	$87,884	$115,236	$128,160	$133,657
Interest and Dividend Income, Securities, Operating	$10,012	$11,480	$13,715	$14,528
Interest Income, Deposits with Financial Institutions	$3,121	$4,517	$3,612	$3,782
Interest and Dividend Income, Operating	$101,017	$131,233	$145,487	$151,967
Interest Expense, NOW Accounts, Money Market Accounts, and Savings Deposits	$29,658	$40,098	$38,027	$35,893
Interest Expense, Time Deposits	$8,500	$13,354	$18,104	$19,171
Interest Expense, Federal Home Loan Bank and Federal Reserve Bank Advances, Short-term	$3,390	$6,336	$3,238	$2,900
InterestExpenseOperating	—	$61,297	$61,857	$62,051
Investment Banking, Advisory, Brokerage, and Underwriting Fees and Commissions	$5,055	$8,839	$9,603	$10,571
Debt Securities, Realized Gain (Loss)	$-1,859	$14	$-7,526	$-7,512
Gain (Loss) on Sales of Loans, Net	$801	$747	$1,001	$431
Noninterest Income, Other	$1,246	$1,449	$3,514	$3,726
Noninterest Income	$7,403	$12,740	$6,592	$7,216
Labor and Related Expense	$24,429	$28,793	$32,167	$33,684
Occupancy, Net	$5,230	$5,258	$5,330	$5,394
Legal Fees	$1,899	$1,568	$1,941	$2,629
Communications and Information Technology	$2,016	$1,993	$2,324	$2,339
Professional Fees	$1,287	—	—	$1,287
Other Noninterest Expense	$5,494	$7,664	$8,610	$9,253
Noninterest Expense	$41,808	$47,042	$52,009	$55,000
Weighted Average Number of Shares Outstanding, Basic	—	—	19,425,746	19,425,746
Weighted Average Number of Shares Outstanding, Diluted	—	—	19,650,814	19,650,814

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Cash and Due from Banks	$8,019	$6,986	$6,027	$7,892
Interest-bearing Deposits in Banks and Other Financial Institutions	$33,043	$70,049	$32,450	$110,262
Cash and Cash Equivalents, at Carrying Value	$41,062	$77,035	$38,477	$118,154
DebtSecuritiesHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss	$174,974	$164,694	$153,941	$136,127
Debt Securities, Available-for-sale	$229,329	$260,221	$307,490	$332,859
Federal Home Loan Bank Stock	$10,153	$9,379	$9,323	$13,395
Financing Receivable, after Allowance for Credit Loss	$1,759,743	$1,948,778	$2,163,757	$2,295,684
Interest Receivable	$10,688	$10,945	$11,661	$11,670
Property, Plant and Equipment, Net	$4,836	$4,563	$4,247	$4,664
Bank Owned Life Insurance	$51,781	$53,472	$59,424	$60,427
Deferred Income Tax Assets, Net	$37,282	$29,646	$18,046	$17,512
Operating Lease, Right-of-Use Asset	$11,423	$8,451	$5,519	$12,625
Other Assets	$7,822	$14,032	$19,655	$16,584
Assets	$2,339,093	$2,581,216	$2,791,540	$3,019,701
Junior Subordinated Notes	—	—	$39,300	$39,376
Liabilities	$2,147,125	$2,365,828	$2,574,357	$2,786,463
Additional Paid in Capital	$305,212	$307,810	$278,852	$281,864
Retained Earnings (Accumulated Deficit)	$-88,548	$-67,813	$-49,542	$-35,690
Accumulated Other Comprehensive Income (Loss), Net of Tax	$-44,271	$-44,534	$-30,265	$-31,395
Stockholders' Equity Attributable to Parent	$191,968	$215,388	$217,183	$233,238
Noninterest-bearing Deposit Liabilities	$552,762	$575,159	$583,860	$618,062
Interest-bearing Deposit Liabilities	$47,702	$50,648	$46,989	$49,721
Time Deposits	$288,403	$367,388	$527,809	$532,890
Deposits	$1,937,139	$2,174,004	$2,345,080	$2,452,271
Debt Securities, Held-to-maturity, Allowance for Credit Loss	$8	$6	$2	$0
Debt Securities, Held-to-maturity, Fair Value	$155,510	$145,540	$142,508	$124,177
Financing Receivable, Allowance for Credit Loss	$21,084	$24,070	$25,500	$26,701
Fair Value Disclosure, Off-balance Sheet Risks, Face Amount, Liability	$89,104	$127,967	$164,306	$209,219
Off-Balance Sheet, Credit Loss, Liability	$372	$571	$752	$1,337

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect	$-13,106	$35,973	$-38,558	$63,335
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	$41,062	$77,035	$38,477	$19,456
Net Income (Loss) Attributable to Parent	$16,545	$24,674	$26,100	$28,731
Net Cash Provided by (Used in) Operating Activities	$22,546	$34,090	$42,805	$50,063
Payments to Acquire Held-to-maturity Securities	$86,788	$86,788	—	$86,788
Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities	$101,541	$10,461	$10,935	$22,841
Payments to Acquire Debt Securities, Available-for-sale	$40,379	$85,673	$139,841	$183,248
Proceeds from Sale of Debt Securities, Available-for-sale	$24,185	$34,753	$82,497	$119,678
Payments for (Proceeds from) Other Loans and Leases	$239,361	$134,439	$136,726	$154,922
Payments to Acquire Loans and Leases Held-for-investment	$45,645	$66,605	$81,392	$55,467
Payments to Acquire Property, Plant, and Equipment	$163	$314	$303	$971
Proceeds from Sale of Federal Home Loan Bank Stock	$15,495	$11,733	$16,221	$24,218
Payments to Acquire Federal Home Loan Bank Stock	$22,766	$10,959	$16,165	$30,677
Payment to Acquire Life Insurance Policy, Investing Activities	$6,840	$6,840	$4,000	$0
Net Cash Provided by (Used in) Investing Activities	$-273,002	$-211,861	$-245,410	$-234,819
Proceeds from Issuance of Common Stock	$75	$1,319	$804	$3,058
Payments of Dividends	—	$3,939	$7,829	$8,396
Payments for Repurchase of Common Stock	$7,583	$501	$34,554	$35,381
Increase (Decrease) in Deposits	$107,858	$236,865	$171,076	$116,610
Proceeds from Issuance of Subordinated Long-term Debt	—	—	$39,300	$39,300
Net Cash Provided by (Used in) Financing Activities	$237,350	$213,744	$164,047	$248,091
Interest Paid, Excluding Capitalized Interest, Operating Activities	$41,306	$60,544	$59,998	$59,799
Transfer of Portfolio Loans and Leases to Held-for-sale	$11,729	$8,390	—	$8,390
Right-of-Use Asset Obtained in Exchange for Operating Lease Liability	$3,203	—	—	—
Provision for Loan, Lease, and Other Losses	$2,367	$3,157	$2,297	$2,653
Accretion (Amortization) of Discounts and Premiums, Investments	$770	$521	$1,540	$1,596
Amortization of Deferred Loan Origination Fees, Net	$184	$-660	$-1,020	$-1,054
Share-based Payment Arrangement, Noncash Expense	$1,012	$2,130	$3,005	$3,286
Debt Securities, Available-for-sale, Realized Gain (Loss)	$-1,859	$14	$-7,526	$-7,512
Gain (Loss) on Sales of Loans, Net	$801	$747	$1,001	$431
Proceeds from Sale of Loans Held-for-sale	—	—	$13,810	$5,394
Payments for Origination and Purchases of Loans Held-for-sale	—	—	$12,809	$4,963
Bank Owned Life Insurance Income	$2,160	$1,691	$1,952	$2,000
Increase (Decrease) in Accrued Interest Receivable, Net	$3,142	$257	$716	$385
Increase (Decrease) in Other Operating Assets	$-261	$6,223	$5,930	$-3,731

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Import this data to Google Sheets with:

=jivedata("USCB","financials")

Full statements spill as a table. For one cell: =jivedata("USCB","Revenue") or =jivedata("USCB","Revenue","TTM"). Install the Jive Data add-on, then paste into a cell.