Miami, FL · Cert 57369 · Uscb Financial Holdings Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
33
Asset Quality
79
Profitability
65
Liquidity
58
Efficiency
88
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Miami, FL · Cert 57369 · Uscb Financial Holdings Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.7% share · #27 of 86 inst. · $2.5B of $348.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.08% | 1.25% | 1.28% | 1.34% | 1.10% | 1.56% | 1.49% | +21 bps | |
| Return on Equity | 12.84% | 13.34% | 15.16% | 15.48% | 16.02% | 12.93% | 17.47% | 16.79% | +132 bps | |
| Net Interest Margin | 2.66% | 2.70% | 2.89% | 2.96% | 2.91% | 3.00% | 3.20% | 3.28% | +32 bps | |
| Efficiency Ratio | 54.90% | 53.96% | 49.68% | 48.95% | 48.57% | 49.21% | 46.53% | 45.85% | -310 bps | |
| Non-Interest Burden | 1.23% | 1.22% | 1.15% | 1.17% | 1.14% | 1.21% | 1.13% | 1.19% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.51% | 10.33% | 7.53% | 10.59% | 10.51% | 8.11% | 6.23% | 10.98% | +38 bps | |
| Loan Growth (YoY) | 15.20% | 10.78% | 11.81% | 13.06% | 10.33% | 10.97% | 10.06% | 9.89% | -316 bps | |
| Deposit Growth (YoY) | 10.96% | 12.46% | 10.06% | 13.72% | 15.84% | 8.06% | 8.08% | 5.26% | -847 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.14% | 0.20% | 0.06% | 0.06% | 0.14% | 0.16% | 0.09% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.07% | 0.04% | 0.03% | 0.00% | 0.02% | -4 bps | |
| Allowance / Loans | n/a | n/a | 1.22% | 1.18% | 1.17% | 1.16% | 1.16% | 1.15% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 6.0x | 18.3x | 19.1x | 8.1x | 7.2x | 12.4x | -5.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.28% | 9.38% | 9.55% | 9.65% | 9.63% | 9.65% | 9.88% | 9.97% | +32 bps | |
| Total Risk-Based Capital | 13.14% | 13.34% | 13.65% | 13.67% | 13.93% | 13.67% | 13.96% | 13.68% | +1 bps | |
| Equity / Assets | n/a | n/a | 8.29% | 8.39% | 8.68% | 8.90% | 9.01% | 8.74% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.80% | 90.34% | 87.59% | 89.61% | 85.53% | 92.77% | 89.19% | 93.56% | +395 bps | |
| Liquid Assets / Assets | 6.67% | 6.38% | 9.46% | 7.55% | 7.35% | 6.68% | 7.82% | 8.17% | +62 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 449% | 456% | 448% | n/a | n/a | |
Miami, FL · Cert 57369 · Peer group: banks $1B-$10B in assets (n=322-328) · Uscb Financial Holdings Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Return on Assets
1.43%
Rank 99 of 328
Net Interest Margin
3.28%
Rank 199 of 328
Efficiency Ratio
45.85%
Rank 40 of 328
Equity / Assets
8.74%
Rank 271 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.43% | 0.91% | 1.22% | 1.52% | Beats 70% | 99 / 328 | ||
| Return on Equity | 16.31% | 8.43% | 11.45% | 14.43% | Beats 86% | 45 / 328 | ||
| Net Interest Margin | 3.28% | 3.03% | 3.45% | 3.83% | Beats 39% | 199 / 328 | ||
| Efficiency Ratio | 45.85% | 51.61% | 59.56% | 67.53% | Beats 88% | 40 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.09% | 0.24% | 0.51% | 1.03% | Beats 88% | 39 / 322 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 69% | 101 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.48% | 11.75% | 13.15% | 15.47% | Beats 40% | 198 / 328 | ||
| Total Risk-Based Capital Ratio | 13.68% | 12.63% | 14.15% | 16.46% | Beats 43% | 186 / 328 | ||
| Equity / Assets | 8.74% | 9.15% | 10.33% | 12.01% | Beats 17% | 271 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.56% | 76.63% | 87.92% | 95.36% | 70th pctl | 98 / 323 | ||
| Loans / Assets | 77.00% | 65.18% | 74.15% | 79.98% | 64th pctl | 117 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||