USCB Financial Holdings Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	128.16	115.24	87.88	60.83	48.73
Interest Income on Investments	17.33	16	13.13	10.28	7.99
Total Interest Income	145.49	131.23	101.02	71.1	56.72
Interest Paid on Deposits	57.41	54.96	39.06	6.77	3.67
Interest Paid on Borrowings	4.44	6.34	3.39	0.67	0.55
Total Interest Expense	61.86	61.3	42.45	7.44	4.23
Net Interest Income	83.63	69.94	58.57	63.66	52.5
Net Interest Income Growth (YoY)	19.58%	19.41%	-8.00%	21.27%	20.41%
Gain (Loss) on Sale of Assets	-	-	-	-	0.98
Gain (Loss) on Sale of Investments	-7.53	0.01	-1.86	-2.53	0.21
Other Non-Interest Income	13.12	11.98	8.46	6.87	7.88
Total Non-Interest Income	6.59	12.74	7.4	5.23	10.7
Non-Interest Income Growth (YoY)	-48.26%	72.09%	41.60%	-51.13%	75.46%
Revenues Before Loan Losses	90.22	82.68	65.97	68.89	63.19
Provision for Loan Losses	2.3	3.16	2.37	2.5	-0.16
Revenue	87.93	79.52	63.6	66.39	63.35
Revenue Growth (YoY)	10.57%	25.02%	-4.20%	4.80%	36.41%
Salaries and Employee Benefits	32.17	26.66	23.42	23.42	21.15
Federal Deposit Insurance	1.64	1.77	1.45	0.93	0.78
Selling, General & Administrative	7.27	8.96	8.14	8.39	7.97
Other Non-Interest Expense	10.93	9.66	8.8	6.57	5.77
Total Non-Interest Expense	52.01	47.04	41.81	39.31	35.68
EBT Excluding Unusual Items	35.92	32.48	21.8	27.09	27.68
Pretax Income	35.92	32.48	21.8	27.09	27.68
Income Tax Expense	9.82	7.8	5.25	6.94	6.6
Net Income	26.1	24.67	16.55	20.14	21.08
Preferred Dividends & Other Adjustments	-	-	-	-	91.66
Net Income to Common	26.1	24.67	16.55	20.14	-70.59
Net Income Growth	5.78%	49.13%	-17.85%	-4.44%	94.80%
Basic Shares Outstanding	19	20	20	20	11
Diluted Shares Outstanding	20	20	20	20	11
Shares Change (YoY)	-0.91%	0.73%	-2.43%	92.02%	4.74%
EPS (Basic)	1.34	1.25	0.84	1.01	-6.72
EPS (Diluted)	1.33	1.24	0.84	1.00	-6.72
EPS Growth	7.26%	47.62%	-16.00%	-	-
Dividend Per Share	0.400	0.200	-	-	-
Dividend Growth	100.00%	-	-	-	-
Effective Tax Rate	27.33%	24.03%	24.09%	25.64%	23.85%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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