USCB Financial Holdings, Inc. (USCB)
NASDAQ: USCB · Real-Time Price · USD
19.92
-0.12 (-0.60%)
Oct 28, 2026, 4:00 PM EDT - Market closed
USCB Financial Holdings Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 | 92.73 | 38.48 | 77.04 | 41.06 | 54.17 | 46.23 |
Investment Securities | 133.1 | 83.84 | 107.4 | 106.79 | 111.61 | 123.57 |
Trading Asset Securities | - | 9.77 | 7.19 | 4.89 | 5.01 | 1.43 |
Mortgage-Backed Securities | 342.62 | 377.59 | 317.52 | 297.52 | 307.23 | 400.63 |
Total Investments | 475.73 | 471.2 | 432.11 | 409.2 | 423.85 | 525.63 |
Gross Loans | 2,322 | 2,189 | 1,973 | 1,781 | 1,507 | 1,192 |
Allowance for Loan Losses | -27.02 | -25.5 | -24.07 | -21.08 | -17.49 | -15.06 |
Other Adjustments to Gross Loans | - | - | - | - | - | -1.58 |
Net Loans | 2,295 | 2,164 | 1,949 | 1,760 | 1,490 | 1,175 |
Property, Plant & Equipment | - | 9.77 | 13.01 | 16.26 | 19.66 | 19.46 |
Accrued Interest Receivable | - | 11.66 | 10.95 | 10.69 | 7.55 | 5.98 |
Long-Term Deferred Tax Assets | - | 18.05 | 29.65 | 37.28 | 42.36 | 34.93 |
Other Long-Term Assets | 147.95 | 69.31 | 60.31 | 54.71 | 45.52 | 44.59 |
Total Assets | 3,011 | 2,792 | 2,581 | 2,339 | 2,086 | 1,854 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 Bearing Deposits | 1,845 | 1,650 | 1,505 | 1,267 | 1,118 | 865.55 |
Institutional Deposits | - | 111.5 | 94 | 117.2 | 82 | 119.4 |
Non-Interest Bearing Deposits | 601.79 | 583.86 | 575.16 | 552.76 | 629.78 | 605.43 |
Total Deposits | 2,446 | 2,345 | 2,174 | 1,937 | 1,829 | 1,590 |
Short-Term Borrowings | - | 9.79 | 6.87 | 7.99 | 5.01 | 1.43 |
Current Portion of Long-Term Debt | - | 147.25 | 61 | 106 | 25 | - |
Current Portion of Leases | - | 2.38 | - | - | - | - |
Accrued Interest Payable | - | 3.98 | 2.13 | 1.37 | 0.23 | 0.1 |
Long-Term Debt | 39.41 | 39.3 | - | - | - | - |
Federal Home Loan Bank Debt, Long-Term | 232 | 11 | 102 | 77 | 21 | 36 |
Long-Term Leases | - | 3.14 | 8.45 | 11.42 | 14.4 | 14.19 |
Other Long-Term Liabilities | 64.39 | 12.44 | 11.38 | 6.2 | 8.49 | 7.95 |
Total Liabilities | 2,782 | 2,574 | 2,366 | 2,147 | 1,903 | 1,650 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Common Stock | 272.66 | 18.14 | 19.93 | 19.58 | 20 | 19.99 |
Additional Paid-In Capital | - | 278.85 | 307.81 | 305.21 | 311.28 | 310.67 |
Retained Earnings | - | -49.54 | -67.81 | -88.55 | -104.1 | -124.25 |
Comprehensive Income & Other | -43.3 | -30.27 | -44.53 | -44.27 | -44.75 | -2.52 |
Total Common Equity | 229.36 | 217.18 | 215.39 | 191.97 | 182.43 | 203.9 |
Shareholders' Equity | 229.36 | 217.18 | 215.39 | 191.97 | 182.43 | 203.9 |
Total Liabilities & Equity | 3,011 | 2,792 | 2,581 | 2,339 | 2,086 | 1,854 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Total Debt | 271.41 | 212.86 | 178.32 | 202.41 | 65.41 | 51.62 |
Net Cash (Debt) | -178.69 | -164.61 | -94.1 | -156.46 | -6.23 | -3.96 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share | -9.68 | -8.38 | -4.74 | -7.95 | -0.31 | -0.38 |
Filing Date Shares Outstanding | 18.47 | 18.26 | 20.05 | 19.65 | 20 | 19.99 |
Total Common Shares Outstanding | 18.47 | 18.14 | 19.92 | 19.58 | 20 | 19.99 |
Book Value Per Share | 12.42 | 11.97 | 10.81 | 9.81 | 9.12 | 10.20 |
Tangible Book Value | 229.36 | 217.18 | 215.39 | 191.97 | 182.43 | 203.9 |
Tangible Book Value Per Share | 12.42 | 11.97 | 10.81 | 9.81 | 9.12 | 10.20 |