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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	122.77	115.24	87.88	60.83	48.73	47.08
Interest Income on Investments	15.09	16	13.13	10.28	7.99	5.56
Total Interest Income	137.86	131.23	101.02	71.1	56.72	52.63
Interest Paid on Deposits	54.85	54.96	39.06	6.77	3.67	7.96
Interest Paid on Borrowings	5.4	6.34	3.39	0.67	0.55	1.07
Total Interest Expense	60.25	61.3	42.45	7.44	4.23	9.04
Net Interest Income	77.62	69.94	58.57	63.66	52.5	43.6
Net Interest Income Growth (YoY)	27.52%	19.41%	-8.00%	21.27%	20.41%	12.69%
Gain (Loss) on Sale of Assets	-	-	-	-	0.98	-
Gain (Loss) on Sale of Investments	-	0.01	-1.86	-2.53	0.21	0.43
Other Non-Interest Income	13.21	11.98	8.46	6.87	7.88	4.82
Total Non-Interest Income	14.15	12.74	7.4	5.23	10.7	6.1
Non-Interest Income Growth (YoY)	54.45%	72.09%	41.60%	-51.13%	75.46%	0.61%
Revenues Before Loan Losses	91.77	82.68	65.97	68.89	63.19	49.69
Provision for Loan Losses	3.67	3.16	2.37	2.5	-0.16	3.25
Revenue	88.09	79.52	63.6	66.39	63.35	46.44
Revenue Growth (YoY)	32.06%	25.02%	-4.20%	4.80%	36.41%	3.79%
Salaries and Employee Benefits	27.84	26.66	23.42	23.42	21.15	19.02
Federal Deposit Insurance	1.67	1.77	1.45	0.93	0.78	0.69
Selling, General & Administrative	9.34	8.96	8.14	8.39	7.97	6.89
Other Non-Interest Expense	10.13	9.66	8.8	6.57	5.77	6.44
Total Non-Interest Expense	48.99	47.04	41.81	39.31	35.68	33.04
EBT Excluding Unusual Items	39.1	32.48	21.8	27.09	27.68	13.41
Pretax Income	39.1	32.48	21.8	27.09	27.68	13.41
Income Tax Expense	9.45	7.8	5.25	6.94	6.6	2.59
Net Income	29.65	24.67	16.55	20.14	21.08	10.82
Preferred Dividends & Other Adjustments	-	-	-	-	91.66	3.13
Net Income to Common	29.65	24.67	16.55	20.14	-70.59	7.69
Net Income Growth	70.79%	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)	2.45%	0.73%	-2.43%	92.02%	4.74%	-
EPS (Basic)	1.49	1.25	0.84	1.01	-6.72	0.77
EPS (Diluted)	1.47	1.24	0.84	1.00	-6.72	0.77
EPS Growth	67.08%	47.62%	-16.00%	-	-	-
Dividend Per Share	0.300	0.200	-	-	-	-
Effective Tax Rate	24.17%	24.03%	24.09%	25.64%	23.85%	19.30%

Updated May 9, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q