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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.21% | 1.25% | 1.31% | 1.46% | 0.38% | 1.56% | 1.43% | +12 bps | |
| Return on Equity | 14.71% | 14.55% | 15.16% | 15.72% | 17.10% | 4.38% | 17.47% | 16.13% | +41 bps | |
| Net Interest Margin | 2.86% | 2.99% | 2.89% | 3.10% | 3.06% | 3.25% | 3.20% | 3.44% | +34 bps | |
| Efficiency Ratio | 50.49% | 51.50% | 49.68% | 48.27% | 47.87% | 50.98% | 46.53% | 45.20% | -307 bps | |
| Non-Interest Burden | 1.14% | 1.27% | 1.15% | 1.22% | 1.17% | 1.41% | 1.13% | 1.27% | +5 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% | 0.13% | 0.00% | 0.00% | 0.00% | 0.05% | -8 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 | |