USCB Financial Q4 Earnings Call Highlights MarketBeat Fri, January 23, 2026 at 11:18 PM GMT+5:30 9 min read USCB USCB Financial logo Key Points USCB reported full-year balance sheet growth with total assets of $2.8 billion (+8.1% YoY), loans up 11% (+$216M), deposits up 7.9%, tangible book value +10.8% to $11.97, while credit quality remained strong (non-performing loans 0.14%) and net interest margin expanded to 3.27%. GAAP diluted EPS for Q4 was $0.07, weighed down by a deliberate sale of $44.6M of low-yield available-for-sale securities that produced an after-tax loss of $5.6M (~$0.31/sh) and a $0.06/sh prior-period state tax charge; on an adjusted basis operational EPS was $0.44 with operating ROA 1.14% and ROE 15.05%. Management repositioned the securities portfolio (sold ~12.6% of AFS at a 1.70% yield) and reinvested proceeds into higher-yielding loans (management-cited loan reinvestment yield ~6.15%), expects loan yields to stay above 6% in 2026 and NIM to be flat-to-slightly-up, while prioritizing deposit growth across four business lines and deploying capital via buybacks and a higher dividend.
