USCB Financial Holdings, Inc. (USCB)

USCB Financial Holdings Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	125.81	115.24	87.88	60.83	48.73	47.08
Interest Income on Investments	16.21	16	13.13	10.28	7.99	5.56
Total Interest Income	142.02	131.23	101.02	71.1	56.72	52.63
Interest Paid on Deposits	56.65	54.96	39.06	6.77	3.67	7.96
Interest Paid on Borrowings	4.59	6.34	3.39	0.67	0.55	1.07
Total Interest Expense	61.24	61.3	42.45	7.44	4.23	9.04
Net Interest Income	80.78	69.94	58.57	63.66	52.5	43.6
Net Interest Income Growth (YoY)	24.37%	19.41%	-8.00%	21.27%	20.41%	12.69%
Gain (Loss) on Sale of Assets	-	-	-	-	0.98	-
Gain (Loss) on Sale of Investments	-0.03	0.01	-1.86	-2.53	0.21	0.43
Other Non-Interest Income	13.47	11.98	8.46	6.87	7.88	4.82
Total Non-Interest Income	14.4	12.74	7.4	5.23	10.7	6.1
Non-Interest Income Growth (YoY)	37.92%	72.09%	41.60%	-51.13%	75.46%	0.61%
Revenues Before Loan Losses	95.18	82.68	65.97	68.89	63.19	49.69
Provision for Loan Losses	2.85	3.16	2.37	2.5	-0.16	3.25
Revenue	92.33	79.52	63.6	66.39	63.35	46.44
Revenue Growth (YoY)	28.61%	25.02%	-4.20%	4.80%	36.41%	3.79%
Salaries and Employee Benefits	29.3	26.66	23.42	23.42	21.15	19.02
Federal Deposit Insurance	1.6	1.77	1.45	0.93	0.78	0.69
Selling, General & Administrative	9.06	8.96	8.14	8.39	7.97	6.89
Other Non-Interest Expense	10.63	9.66	8.8	6.57	5.77	6.44
Total Non-Interest Expense	50.59	47.04	41.81	39.31	35.68	33.04
EBT Excluding Unusual Items	41.74	32.48	21.8	27.09	27.68	13.41
Pretax Income	41.74	32.48	21.8	27.09	27.68	13.41
Income Tax Expense	10.1	7.8	5.25	6.94	6.6	2.59
Net Income	31.64	24.67	16.55	20.14	21.08	10.82
Preferred Dividends & Other Adjustments	-	-	-	-	91.66	3.13
Net Income to Common	31.64	24.67	16.55	20.14	-70.59	7.69
Net Income Growth	54.41%	49.13%	-17.85%	-4.44%	94.80%	4.13%
Basic Shares Outstanding	20	20	20	20	11	10
Diluted Shares Outstanding	20	20	20	20	11	10
Shares Change (YoY)	1.98%	0.73%	-2.43%	92.02%	4.74%	-
EPS (Basic)	1.60	1.25	0.84	1.01	-6.72	0.77
EPS (Diluted)	1.57	1.24	0.84	1.00	-6.72	0.77
EPS Growth	50.82%	47.62%	-16.00%	-	-	-
Dividend Per Share	0.350	0.200	-	-	-	-
Effective Tax Rate	24.20%	24.03%	24.09%	25.64%	23.85%	19.30%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q