USCB Financial Holdings Balance Sheet

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
Cash & Equivalents	38.48	77.04	41.06	54.17	46.23
Investment Securities	153.94	107.4	106.79	111.61	123.57
Trading Asset Securities	-	7.19	4.89	5.01	1.43
Mortgage-Backed Securities	307.49	317.52	297.52	307.23	400.63
Total Investments	461.43	432.11	409.2	423.85	525.63
Gross Loans	2,189	1,973	1,781	1,507	1,192
Allowance for Loan Losses	-25.5	-24.07	-21.08	-17.49	-15.06
Other Adjustments to Gross Loans	-	-	-	-	-1.58
Net Loans	2,164	1,949	1,760	1,490	1,175
Property, Plant & Equipment	-	13.01	16.26	19.66	19.46
Accrued Interest Receivable	-	10.95	10.69	7.55	5.98
Long-Term Deferred Tax Assets	-	29.65	37.28	42.36	34.93
Other Long-Term Assets	127.88	60.31	54.71	45.52	44.59
Total Assets	2,792	2,581	2,339	2,086	1,854
Interest Bearing Deposits	1,761	1,505	1,267	1,118	865.55
Institutional Deposits	-	94	117.2	82	119.4
Non-Interest Bearing Deposits	583.86	575.16	552.76	629.78	605.43
Total Deposits	2,345	2,174	1,937	1,829	1,590
Short-Term Borrowings	-	6.87	7.99	5.01	1.43
Current Portion of Long-Term Debt	-	61	106	25	-
Current Portion of Leases	-	3.31	-	-	-
Accrued Interest Payable	-	2.13	1.37	0.23	0.1
Long-Term Debt	39.3	-	-	-	-
Federal Home Loan Bank Debt, Long-Term	158.25	102	77	21	36
Long-Term Leases	-	5.14	11.42	14.4	14.19
Other Long-Term Liabilities	31.73	11.38	6.2	8.49	7.95
Total Liabilities	2,574	2,366	2,147	1,903	1,650
Common Stock	217.18	19.93	19.58	20	19.99
Additional Paid-In Capital	-	307.81	305.21	311.28	310.67
Retained Earnings	-	-67.81	-88.55	-104.1	-124.25
Comprehensive Income & Other	-	-44.53	-44.27	-44.75	-2.52
Total Common Equity	217.18	215.39	191.97	182.43	203.9
Shareholders' Equity	217.18	215.39	191.97	182.43	203.9
Total Liabilities & Equity	2,792	2,581	2,339	2,086	1,854
Total Debt	197.55	178.32	202.41	65.41	51.62
Net Cash (Debt)	-159.07	-94.1	-156.46	-6.23	-3.96
Net Cash Per Share	-8.09	-4.74	-7.95	-0.31	-0.38
Filing Date Shares Outstanding	18.14	20.05	19.65	20	19.99
Total Common Shares Outstanding	18.14	19.92	19.58	20	19.99
Book Value Per Share	11.97	10.81	9.81	9.12	10.20
Tangible Book Value	217.18	215.39	191.97	182.43	203.9
Tangible Book Value Per Share	11.97	10.81	9.81	9.12	10.20

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

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