Form 8-K

8-K — USCB FINANCIAL HOLDINGS, INC.

Accession: 0001562762-26-000082

Filed: 2026-07-23

Period: 2026-07-23

CIK: 0001901637

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — uscb-20260723.htm (Primary)

EX-99.1 (exhibit991.htm)

GRAPHIC (exhibit991p1i0.jpg)

EX-99.2 (exhibit992.htm)

GRAPHIC (exhibit992p1i0.jpg)

GRAPHIC (exhibit992p2i0.jpg)

GRAPHIC (exhibit992p3i0.jpg)

GRAPHIC (exhibit992p4i0.jpg)

GRAPHIC (exhibit992p5i0.jpg)

GRAPHIC (exhibit992p6i0.jpg)

GRAPHIC (exhibit992p7i0.jpg)

GRAPHIC (exhibit992p8i0.jpg)

GRAPHIC (exhibit992p9i0.jpg)

GRAPHIC (exhibit992p10i0.jpg)

GRAPHIC (exhibit992p11i0.jpg)

GRAPHIC (exhibit992p12i0.jpg)

GRAPHIC (exhibit992p13i0.jpg)

GRAPHIC (exhibit992p14i0.jpg)

GRAPHIC (exhibit992p15i0.jpg)

GRAPHIC (exhibit992p16i0.jpg)

GRAPHIC (exhibit992p17i0.jpg)

GRAPHIC (exhibit992p18i0.jpg)

GRAPHIC (exhibit992p19i0.jpg)

GRAPHIC (exhibit992p20i0.jpg)

GRAPHIC (exhibit992p21i0.jpg)

GRAPHIC (exhibit992p22i0.jpg)

GRAPHIC (exhibit992p23i0.jpg)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K — FORM 8-K

8-K (Primary)

Filename: uscb-20260723.htm · Sequence: 1

uscb-20260723

0001901637

False

☐

0001901637

2026-07-23

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON,

D.C. 20549

__________________________

FORM

8-K

__________________________

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act

of 1934

Date of Report (Date of earliest event reported):

July 23, 2026

__________________________

USCB Financial Holdings, Inc.

(Exact name of Registrant as Specified in Its Charter)

__________________________

Florida

001-41196

87-4070846

(State or Other Jurisdiction

of Incorporation)

(Commission File Number)

(IRS Employer

Identification No.)

2301 N.W. 87th Avenue

Doral

Florida

33172

(Address of Principal Executive Offices)

(Zip Code)

Registrant’s Telephone

Number, Including Area Code: (

305

)

715-5200

__________________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation

of the registrant under

any of the following provisions:

☐

Written communications pursuant

to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a

-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b)

under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange

Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading

Symbol(s)

Name of each exchange on which registered

Class A common stock, $1.00 par value per share

USCB

The Nasdaq Stock Market LLC

Indicate by

check mark

whether the

registrant is

an emerging

growth company

as defined

in Rule

405 of

the Securities

Act of

1933

(§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b

-2 of this chapter).

Emerging growth company

☒

emerging

growth

company,

indicate

check

mark

the

registrant

has

elected

not

use

the

extended

transition

period

for

complying with any new or revised financial accounting standards provided

pursuant to Section 13(a) of the Exchange Act.

☐

Item 2.02. Results of Operations and Financial Condition.

On July 23, 2026,

USCB Financial Holdings,

Inc. (the “Company”) issued

a press release announcing

its financial results for

the quarter ended June 30, 2026. A copy of the press release is furnished as Exhibit 99.1 to this Current Report

on Form 8-K (“Form 8-

K”) and is incorporated herein by reference.

The information in this

Item 2.02, including

Exhibit 99.1 hereto,

is being furnished

and shall not

be deemed “filed”

for purposes

of Section 18 of the

Securities Exchange Act of

1934 (the “Exchange Act”),

or otherwise be subject to

the liability of that section,

and

shall

not

deemed

incorporated

reference

into

any

filing

under

the

Securities

Act

1933

(the

“Securities

Act”)

the

Exchange Act except as expressly set forth by specific reference in such filing to

this Form 8-K.

Item 7.01. Regulation FD Disclosure.

As previously announced, at 11:00 a.m. ET on July 24, 2026, the Company will hold an earnings conference call to discuss its

financial performance for the quarter ended June 30, 2026. A copy of the slides forming

the basis of the presentation is being furnished

as Exhibit 99.2

to this Form

8-K and is

incorporated herein by

reference. A copy

of the slides

has also been

posted to the

Company’s

investor relations website, located at investors.uscenturybank.com.

The information in this

Item 7.01, including

Exhibit 99.2 hereto,

is being furnished

and shall not

be deemed “filed”

for purposes

of Section 18 of the Exchange Act, or otherwise be subject to the liability of that section, and shall not be deemed to be incorporated by

reference into any filing under the

Securities Act or the Exchange Act

except as set forth by

specific reference in such filing to this

Form

8-K.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No.

Description

99.1

USCB Financial Holdings, Inc. Press Release, dated July 23, 2026

99.2

Earnings Presentation, dated July 23, 2026

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly

caused this report to be signed on

its behalf by the undersigned hereunto duly authorized.

USCB Financial Holdings, Inc.

By:

/s/ Robert Anderson

Name:

Robert Anderson

Title:

Chief Financial Officer

Date: July 23, 2026

EX-99.1

Filename: exhibit991.htm · Sequence: 5

exhibit991

Exhibit 99.1

EARNINGS RELEASE

USCB Financial Holdings, Inc. Surpasses $3 Billion in Assets with 14.6% Annualized

Linked-Quarter Loan

Growth; Achieves Q2 2026 EPS of $0.49, 3.49% Net Interest Margin, ROAA of 1.26%, and ROAE

of 15.90%

MIAMI, FL – July 23, 2026 – USCB Financial Holdings, Inc. (the “Company”) (NASDAQ: USCB)

, the holding company for U.S.

Century Bank

(the “Bank”),

reported net

income of

$9.1 million

or $0.49

per fully

diluted share

for the

three months

ended June 30,

2026,

compared with net income of $8.1 million or $0.40 per fully diluted share

for the same period in 2025.

“Our

second

quarter

performance

highlights

the

ongoing

strength

our

company

and

the

effective

implementation

our

growth

strategy,” said Luis de la Aguilera, Chairman,

President and CEO. “We achieved

record new loan fundings of $272.0 million, resulting

in a 14.6%

annualized increase in

loans from the

previous quarter and

pushing our total

assets above $3

billion. At the

same time, we

improved

profitability

and

operational

efficiency,

with

our

net

interest

margin

rising

3.49%

from

3.27%

and

our

efficiency

ratio

improving to 49.97% from 52.34% compared to the first quarter of

2026. These achievements underscore the scalability of our business

model and our dedication to creating long-term value for our shareholders.

”

Unless otherwise stated,

all percentage comparisons

in the bullet points

below are calculated

at or for the

quarter ended June 30,

2026

compared to at or for the quarter ended June 30, 2025 and annualized where

appropriate.

Profitability

•

Annualized return on

average assets for the

quarter ended June 30,

2026 was 1.26%

compared to 1.22%

for the second

quarter of

2025.

•

Annualized return

on average

stockholders’ equity

for the quarter

ended June 30,

2026 was

15.90% compared

to 14.29%

for the

second quarter of 2025.

•

The efficiency ratio for the quarter ended June 30, 2026 was 49.97%

compared to 51.77% for the second quarter of 2025.

•

Net interest margin for the quarter ended June 30, 2026 was 3.49

compared to 3.28% for the second quarter of 2025.

•

Net interest

income before

provision for

credit losses

was $24.4 million

for the

quarter ended

June 30, 2026,

an increase

of $3.4

million or 15.9% compared to $21.0 million for the same period in 2025.

Balance Sheet

•

Total

assets were $3.0

billion at June 30,

2026, representing

an increase of

$300.2 million or

11.0%

from $2.7

billion at June 30,

2025.

•

Total

loans held

for investment

were $2.3 billion

at June 30,

2026, representing

an increase

of $209.1 million

or 9.9%

from $2.1

billion at June 30, 2025.

•

Total deposits

were $2.5 billion at June 30,

2026, representing an increase

of $116.6 million

or 5.0% from $2.3

billion at June 30,

2025.

•

Total

stockholders’

equity

was

$233.2 million

June 30,

2026,

representing

increase

$1.7

million

0.7%

from

$231.6

million at

June 30, 2025.

Total

stockholders’ equity

included accumulated

other comprehensive

loss of

$31.4 million

at June 30,

2026

compared to

accumulated

other

comprehensive

loss of

$41.8

million

at June 30,

2025.

The increase

in total

stockholders’

equity

was partially

offset

by the

repurchase

of 2.0

million

of Class

A common

stock in

September

2025,

as previously

disclosed.

Asset Quality

•

The allowance for credit losses (“ACL”) increased by $1.8 million to $26.7 million at June 30, 2026 from $24.9 million at

June 30,

2025.

•

The ACL represented 1.15% of total loans at June 30, 2026 and 1.18% of

total loans at June 30, 2025.

•

The provision

for credit

losses was

$1.3 million

for the

quarter ended

June 30, 2026,

an increase

of $236

thousand compared

$1.0 million for the same period in 2025.

•

The ratio

of non-performing

loans to total

loans was 0.09%

for the quarter

ended June 30,

2026 and

0.06% for

the quarter ended

June 30, 2025. Non-performing loans totaled $2.1 million at June 30, 2026

and $1.4 million at June 30, 2025.

Non-interest Income and Non-interest Expense

•

Non-interest income was

$3.6 million for

the three months ended

June 30, 2026, an

increase of $190 thousand

or 5.6% compared

to $3.4 million for the same period in 2025.

•

Non-interest expense was $14.0 million

for the three months ended June

30, 2026, an increase of $1.3

million or 10.5% compared

to $12.6 million for the three months ended June 30, 2025.

Capital

•

On July 20, 2026,

the Company’s Board of Directors declared

a quarterly cash dividend

of $0.125 per share

of the Company’s Class

A common stock. The dividend will be paid on September 4, 2026

to shareholders of record at the close of business on August 17,

2026.

•

As of June 30,

2026,

total risk-based capital

ratios for the Company

and the Bank

were 13.88% and 13.68%,

respectively,

well in

excess of the well-capitalized minimum threshold regulatory requirements

•

Tangible

book value

per common share

(non-GAAP financial

measure) was $12.64

at June 30,

2026, representing

an increase of

$1.11 or 9.6%

from $11.53 at June 30,

2025. At June 30, 2026, tangible

book value per common share

was negatively affected by

($1.70) per share due to an accumulated other comprehensive loss of $31.4 million primarely due to changes in the market value of

the Company’s

available for sale

securities. At

June 30, 2025,

tangible book

value per common

share was negatively

affected by

($2.08) per share due to an accumulated other comprehensive loss of $41.8

million.

Conference Call and Webcast

The Company

will host

a conference

call on

Friday,

July 24,

2026, at

11:00

a.m. Eastern Time

to discuss

the Company’s

unaudited

financial results for the quarter

ended June 30, 2026. To

access the conference call, dial (833)

816-1416 (U.S. toll-free)

and ask to join

the USCB Financial Holdings Call.

Additionally,

interested

parties can

listen to

a live

webcast

of the

call in

the “Investor

Relations” section

of the

Company’s

website

at www.uscentury.com

An archived version of the webcast will be available in the same location shortly after

the live call has ended.

About USCB Financial Holdings, Inc.

USCB Financial Holdings, Inc.

is the bank holding company for

U.S. Century Bank. Established in 2002,

U.S. Century Bank is one of

the largest

community banks

headquartered

in Miami,

and one

of the

largest community

banks in

the State

of Florida.

U.S. Century

Bank is rated 5-Stars by BauerFinancial, the nation’s leading independent

bank rating firm. U.S. Century Bank offers customers a wide

range of

financial products

and services

and supports

numerous community

organizations,

including

the Greater

Miami Chamber

Commerce, the South Florida Hispanic Chamber of Commerce, and ChamberSouth. For more information about us

or to find a banking

center near you, please call (305) 715-5200 or visit www.uscentury.com.

Forward-Looking Statements

This earnings release

may contain statements

that are not

historical in nature

and are intended

to be, and

are hereby identified

as, forward-

looking

statements

for

purposes

the

safe

harbor

provided

Section

21E

the

Securities

Exchange

Act

1934,

amended.

Forward-looking statements are

those that are

not historical facts.

The words “may,”

“will,” “anticipate,” “could,”

“should,” “would,”

“believe,” “contemplate,” “expect,” “aim,” “plan,” “estimate,” “seek,” “continue,” and “intend,”, the negative of these terms, as well as

other similar words

and expressions of

the future, are

intended to identify

forward-looking statements. These forward-looking statements

include, but are not limited

to, statements related to our

projected growth, anticipated future

financial performance, and management’s

long-term performance goals, as well as statements

relating to the anticipated effects on our results of

operations and financial condition

from expected or

potential developments or events,

or business and

growth strategies, including anticipated

internal growth and potential

future additional balance sheet restructuring.

These forward-looking statements involve significant risks and uncertainties that could cause our actual

results to differ materially from

those anticipated in such statements. Potential risks and uncertainties include,

but are not limited to:

•

the strength of the United States economy in general and the strength of the local economies in

which we conduct operations;

•

our ability to successfully manage interest rate risk, credit risk, liquidity risk,

and other risks inherent to our industry;

•

the accuracy of our financial statement estimates and assumptions, including the estimates used for our allowance for credit losses;

•

the efficiency and effectiveness of our internal

control procedures and processes;

•

our ability to comply with

the extensive laws and

regulations to which we are

subject, including the laws for

each jurisdiction where

we operate;

•

adverse changes or conditions in capital and financial markets, including

actual or potential stresses in the banking industry;

•

deposit attrition and the level of our uninsured deposits;

•

legislative

regulatory

changes,

including

the

enactment

the

One

Big

Beautiful

Bill

and

changes

accounting

principles,

policies, practices or guidelines;

•

the

lack

significantly

diversified

loan

portfolio

and

our

concentration

the

South

Florida

market,

including

the

risks

geographic,

depositor,

and

industry

concentrations,

including

our

concentration

loans

secured

real

estate,

particular,

commercial real estate;

•

the effects of climate change;

•

the concentration of ownership of our common stock;

•

fluctuations in the price of our common stock;

•

our ability to

fund or access

the capital markets

at attractive rates

and terms and

manage our growth,

both organic

growth as well

as growth through other means, such as future acquisitions;

•

inflation, interest rate, unemployment rate, and market and monetary

fluctuations;

•

the effects of potential new or increased tariffs,

retaliatory tariffs and trade restrictions;

•

the impact of international hostilities and geopolitical events;

•

increased competition

and its effect

on the pricing

of our products

and services as

well as our

interest rate spread

and net interest

margin;

•

the loss of key employees;

•

the effectiveness

of our risk management

strategies, including operational

risks, including, but

not limited to, client,

employee, or

third-party fraud and security breaches; and

•

other risks described in this earnings release and other filings we make with the

Securities and Exchange Commission (“SEC”).

All forward-looking

statements are

necessarily only

estimates of

future results,

and there

can be

no assurance

that actual

results will

not differ

materially from

expectations. Therefore,

you are

cautioned not

to place

undue reliance

on any

forward-looking statements.

Further,

any forward-looking

statements included

in this

earnings release

are made

only as

of the

date hereof,

and

we undertake

obligation to

update or

revise any

forward-looking statement

to reflect

events or

circumstances occurring

after the

date on

which the

statements are made or to reflect the occurrence of unanticipated events,

unless required to do so under the federal securities laws. You

should also review the risk factors described in the reports the Company has filed

or will file with the SEC.

Non-GAAP Financial Measures

This earnings release

includes financial information determined

by methods other

than in accordance

with generally accepted

accounting

principles (“GAAP”). This financial

information includes certain

operating performance measures. Management

has included these non-

GAAP

measures

because

believes

these

measures

may

provide

useful

supplemental

information

for

evaluating

the

Company’s

operations and

underlying performance

trends. Further,

management uses these

measures in

managing and

evaluating the Company’s

business and intends to refer to

them in discussions about our operations

and performance. Operating performance

measures should be

viewed

addition

to,

and

not

alternative

substitute

for,

measures

determined

accordance

with

GAAP,

and

are

not

necessarily

comparable

non-GAAP

measures

that

may

presented

other

companies.

Reconciliations

these

non-GAAP

measures

the most

directly

comparable

GAAP measures

can be

found

in the

‘Non-GAAP

Reconciliation

Tables’

included

in the

exhibits to this earnings release.

All numbers included in this press release are unaudited unless otherwise noted.

Contacts:

Investor Relations

InvestorRelations@uscentury.com

Media Relations

Martha Guerra-Kattou

MGuerra@uscentury.com

USCB FINANCIAL HOLDINGS, INC.

CONSOLIDATED STATEMENTS

OF INCOME (UNAUDITED)

(Dollars in thousands, except per share data)

Three Months Ended June 30,

Six Months Ended June 30,

2026

2025

2026

2025

Interest income:

Loans, including fees

34,899

31,946

67,688

62,191

Investment securities

3,858

3,432

7,269

6,456

Interest-bearing deposits in financial institutions

823

776

1,655

1,485

Total interest income

39,580

36,154

76,612

70,132

Interest expense:

Interest-bearing checking deposits

311

285

621

623

Savings and money market deposits

8,478

9,410

16,611

18,745

Time deposits

4,628

4,343

9,328

8,261

FHLB advances

976

1,082

2,016

2,354

Subordinated notes

800

1,601

Total interest expense

15,193

15,120

30,177

29,983

Net interest income before provision for credit losses

24,387

21,034

46,435

40,149

Provision for credit losses

1,267

1,031

2,068

1,712

Net interest income after provision for credit losses

23,120

20,003

44,367

38,437

Non-interest income:

Service fees

2,601

2,402

5,701

4,733

Gain on sale of securities available for sale, net

Gain on sale of loans held for sale, net

151

106

676

Other non-interest income

959

817

1,889

1,677

Total non-interest income

3,560

3,370

7,710

7,086

Non-interest expense:

Salaries and employee benefits

8,537

7,954

17,107

15,590

Occupancy

1,369

1,337

2,685

2,621

Regulatory assessments and fees

397

396

881

817

Consulting and legal fees

583

263

1,144

456

Network and information technology services

524

564

1,084

1,069

Other operating expense

2,556

2,120

4,776

4,133

Total non-interest expense

13,966

12,634

27,677

24,686

Income before income tax expense

12,714

10,739

24,400

20,837

Income tax expense

3,636

2,599

5,971

5,039

Net income

9,078

8,140

18,429

15,798

Per share information:

Net income per common share, basic

0.49

0.41

1.01

0.79

Net income per common share, diluted

0.49

0.40

1.00

0.78

Cash dividends declared

0.125

0.10

0.250

0.20

Weighted average shares outstanding:

Common shares, basic

18,346,946

20,059,264

18,280,860

20,040,205

Common shares, diluted

18,509,572

20,295,794

18,443,486

20,299,585

USCB FINANCIAL HOLDINGS, INC.

SELECTED FINANCIAL DATA (UNAUDITED)

(Dollars in thousands, except per share data)

As of or For the Three Months Ended

6/30/2026

3/31/2026

12/31/2025

9/30/2025

6/30/2025

Income statement data:

Net interest income before provision for credit losses

24,387

22,048

22,207

21,274

21,034

Provision for credit losses

1,267

801

480

105

1,031

Net interest income after provision for credit losses

23,120

21,247

21,727

21,169

20,003

Service fees

2,601

3,100

2,209

2,661

2,402

Gain (loss) on sale of securities available for sale, net

(7,498)

(28)

Gain on sale of loans held for sale, net

106

197

128

151

Other non-interest income

959

930

914

923

817

Total non-interest income

3,560

4,150

(4,178)

3,684

3,370

Salaries and employee benefits

8,537

8,570

8,668

7,909

7,954

Occupancy

1,369

1,316

1,327

1,382

1,337

Regulatory assessments and fees

397

484

443

377

396

Consulting and legal fees

583

561

900

585

263

Network and information technology services

524

560

599

656

564

Other operating expense

2,556

2,220

2,338

2,139

2,120

Total non-interest expense

13,966

13,711

14,275

13,048

12,634

Income before income tax expense

12,714

11,686

3,274

11,805

10,739

Income tax expense

3,636

2,335

1,911

2,866

2,599

Net income

9,078

9,351

1,363

8,939

8,140

Per share information:

Net income per common share, basic

0.49

0.51

0.08

0.46

0.41

Net income per common share, diluted

0.49

0.51

0.07

0.45

0.40

Cash dividends declared

0.125

0.10

Balance sheet data (at period-end):

Cash and cash equivalents

118,154

78,963

38,477

56,811

54,819

Securities available-for-sale

332,859

277,160

307,490

324,179

285,382

Securities held-to-maturity

136,127

149,931

153,941

156,365

158,740

Total securities

468,986

427,091

461,431

480,544

444,122

Loans held for investment

(1)

2,322,385

2,241,051

2,189,257

2,130,966

2,113,318

Allowance for credit losses

(26,701)

(26,102)

(25,500)

(24,964)

(24,933)

Total assets

3,019,701

2,845,735

2,791,540

2,767,945

2,719,474

Non-interest-bearing demand deposits

618,062

620,714

583,860

584,240

584,895

Interest-bearing deposits

1,834,209

1,872,866

1,761,220

1,871,374

1,750,766

Total deposits

2,452,271

2,493,580

2,345,080

2,455,614

2,335,661

FHLB advances

240,900

53,000

158,250

11,000

108,000

Subordinated notes

39,376

39,338

39,300

39,262

Total liabilities

2,786,463

2,622,489

2,574,357

2,558,850

2,487,891

Total stockholders' equity

233,238

223,246

217,183

209,095

231,583

Capital ratios:

(2)

Leverage ratio

8.81%

8.61%

8.46%

8.47%

9.72%

Common equity tier 1 capital

11.01%

11.09%

10.92%

11.17%

12.52%

Tier 1 risk-based capital

11.01%

11.09%

10.92%

11.17%

12.52%

Total risk-based capital

13.88%

14.09%

13.91%

14.20%

13.73%

(1)

Loan amounts include deferred fees/costs.

(2)

Reflects the Company's regulatory capital ratios. The

Bank's total risk-based capital ratio at June 30,

2026 was 13.68%.

USCB FINANCIAL HOLDINGS, INC.

AVERAGE BALANCES, RATIOS, AND OTHER DATA

(UNAUDITED)

(Dollars in thousands)

As of or For the Three Months Ended

6/30/2026

3/31/2026

12/31/2025

9/30/2025

6/30/2025

Average balance sheet data:

Cash and cash equivalents

87,949

112,107

82,338

139,389

71,388

Securities available-for-sale

314,581

295,065

332,356

299,892

281,840

Securities held-to-maturity

140,533

152,144

155,269

157,702

160,443

Total securities

455,114

447,209

487,625

457,594

442,283

Loans held for investment

(1)

2,258,965

2,177,734

2,130,898

2,099,043

2,057,445

Total assets

2,900,725

2,834,717

2,799,863

2,798,115

2,677,198

Interest-bearing deposits

1,856,763

1,842,283

1,857,218

1,887,545

1,710,568

Non-interest-bearing demand deposits

632,198

584,784

595,969

569,522

580,121

Total deposits

2,488,961

2,427,067

2,453,187

2,457,067

2,290,689

FHLB advances

100,685

110,045

51,462

40,065

116,527

Subordinated notes

39,351

39,313

39,287

26,029

Total liabilities

2,671,792

2,612,491

2,587,470

2,572,799

2,448,706

Total stockholders' equity

228,933

222,226

212,393

225,316

228,492

Performance ratios:

Return on average assets

(2)

1.26%

1.34%

0.19%

1.27%

1.22%

Return on average equity

(2)

15.90%

17.07%

2.55%

15.74%

14.29%

Net interest margin

(2)

3.49%

3.27%

3.14%

3.28%

Non-interest income to average assets

(2)

0.49%

0.59%

(0.59)%

0.52%

0.50%

Non-interest expense to average assets

(2)

1.93%

1.96%

2.02%

1.85%

1.89%

Efficiency ratio

(3)

49.97%

52.34%

79.18%

52.28%

51.77%

Loans by type (at period end):

(4)

Residential real estate

356,747

346,917

307,692

316,557

307,020

Commercial real estate

1,314,367

1,259,642

1,244,835

1,226,121

1,206,621

Commercial and industrial

300,265

291,333

295,548

269,430

263,966

Correspondent banks

137,912

128,722

127,968

104,598

110,155

Consumer and other

207,404

207,794

207,215

207,939

218,426

Asset quality data:

Allowance for credit losses to total loans

1.15%

1.16%

1.17%

1.18%

Allowance for credit losses to non-performing loans

1243%

717%

813%

1906%

1825%

Total non-performing loans

(5)

2,148

3,640

3,138

1,310

1,366

Non-performing loans to total loans

0.09%

0.16%

0.14%

0.06%

Non-performing assets to total assets

(5)

0.07%

0.13%

0.11%

0.05%

Net charge-offs (recoveries of) to average loans

(2)

0.05%

(0.00)%

0.14%

Net charge-offs (recoveries) of credit losses

288

(4)

(11)

(4)

702

Interest rates and yields:

(2)

Loans held for investment

6.20%

6.11%

6.16%

6.21%

6.23%

Investment securities

3.35%

3.05%

3.01%

3.03%

3.06%

Total interest-earning assets

5.67%

5.49%

5.54%

5.56%

5.64%

Deposits

(6)

2.16%

2.20%

2.28%

2.53%

2.46%

FHLB advances

3.89%

3.83%

3.91%

3.73%

3.72%

Subordinated notes

8.15%

8.26%

8.09%

6.16%

Total interest-bearing liabilities

3.05%

3.14%

3.34%

3.32%

Other information:

Full-time equivalent employees

216

211

204

206

203

(1)

Loan amounts include deferred fees/costs.

(2)

Annualized.

(3)

Efficiency ratio is defined as total non-interest expense divided

by the sum of net interest income and total non-interest income.

(4)

Loan amounts exclude deferred fees/costs.

(5)

The amounts for total non-performing loans and total non-performing

assets are the same at the dates presented since there was

no other real estate owned (OREO)

recorded at any of the dates presented.

(6) Reflects effect of non-interest-bearing deposits.

USCB FINANCIAL HOLDINGS, INC.

NET INTEREST MARGIN (UNAUDITED)

(Dollars in thousands)

Three Months Ended June 30,

2026

2025

Average

Balance

Interest

Yield/Rate

(1)

Average

Balance

Interest

Yield/Rate

(1)

Assets

Interest-earning assets:

Loans held for investment

(2)

2,258,965

34,899

6.20%

2,057,445

31,946

6.23%

Investment securities

(3)

461,849

3,858

3.35%

449,624

3,432

3.06%

Other interest-earning assets

80,640

823

4.09%

63,974

776

4.87%

Total interest-earning assets

2,801,454

39,580

5.67%

2,571,043

36,154

5.64%

Non-interest-earning assets

99,271

106,155

Total assets

2,900,725

2,677,198

Liabilities and stockholders' equity

Interest-bearing liabilities:

Interest-bearing checking deposits

51,711

311

2.41%

46,694

285

2.45%

Savings and money market deposits

1,280,578

8,478

2.66%

1,211,513

9,410

3.12%

Time deposits

524,474

4,628

3.54%

452,361

4,343

3.85%

Total interest-bearing deposits

1,856,763

13,417

2.90%

1,710,568

14,038

3.29%

FHLB advances

100,685

976

3.89%

116,527

1,082

3.72%

Subordinated notes

39,351

800

8.15%

- %

Total interest-bearing liabilities

1,996,799

15,193

3.05%

1,827,095

15,120

3.32%

Non-interest-bearing demand deposits

632,198

580,121

Other non-interest-bearing liabilities

42,795

41,490

Total liabilities

2,671,792

2,448,706

Stockholders' equity

228,933

228,492

Total liabilities and stockholders' equity

2,900,725

2,677,198

Net interest income

24,387

21,034

Net interest spread

(4)

2.62%

2.32%

Net interest margin

(5)

3.49%

3.28%

(1)

Annualized.

(2)

Average loan balances include non-accrual loans. Interest income on loans includes accretion

of deferred loan fees, net of deferred loan costs.

(3)

At fair value except for securities held to maturity. This amount includes

FHLB stock.

(4)

Net interest spread is the average yield earned on total

interest-earning assets minus the average rate paid on total interest-bearing

liabilities.

(5)

Net interest margin is the ratio of net interest income to total

interest-earning assets.

USCB FINANCIAL HOLDINGS, INC.

NON-GAAP FINANCIAL MEASURES (UNAUDITED)

(Dollars in thousands)

As of or For the Three Months Ended

6/30/2026

3/31/2026

12/31/2025

9/30/2025

6/30/2025

Pre-tax pre-provision ("PTPP") income:

(1)

Net income

9,078

9,351

1,363

8,939

8,140

Plus: Income tax expense

3,636

2,335

1,911

2,866

2,599

Plus: Provision for credit losses

1,267

801

480

105

1,031

PTPP income

13,981

12,487

3,754

11,910

11,770

PTPP return on average assets:

(1)

PTPP income

13,981

12,487

3,754

11,910

11,770

Average assets

2,900,725

2,834,717

2,799,863

2,798,115

2,677,198

PTPP return on average assets

(2)

1.93%

1.79%

0.53%

1.69%

1.76%

Operating net income:

(1)

Net income

9,078

9,351

1,363

8,939

8,140

Less: Net gains (losses) on sale of securities

(7,498)

(28)

Less: Tax effect on sale of securities

(4)

1,900

Plus: Tax (benefit) liability expense from prior periods

(619)

(3)

1,096

(4)

Operating net income

9,078

8,722

8,057

8,960

8,140

Operating return on average assets:

(1)

Operating net income

9,078

8,722

8,057

8,960

8,140

Average assets

2,900,725

2,834,717

2,799,863

2,798,115

2,677,198

Operating net income return on average assets

(2)

1.26%

1.25%

1.14%

1.27%

1.22%

Operating return on average equity:

(1)

Operating net income

9,078

8,722

8,057

8,960

8,140

Average equity

228,933

222,226

212,393

225,316

228,492

Operating net income return on average equity

(2)

15.90%

15.92%

15.05%

15.78%

14.29%

Operating revenue:

(1)

Net interest income

24,387

22,048

22,207

21,274

21,034

Non-interest income

3,560

4,150

(4,178)

3,684

3,370

Less: Net gains (losses) on sale of securities

(7,498)

(28)

Operating revenue

27,947

26,184

25,527

24,986

24,404

Operating efficiency ratio:

(1)

Total non-interest expense

13,966

13,711

14,275

13,048

12,634

Operating revenue

27,947

26,184

25,527

24,986

24,404

Operating efficiency ratio

49.97%

52.36%

55.92%

52.22%

51.77%

(1) The Company believes these non-GAAP financial measurements

are key indicators of the ongoing earnings power of the

Company.

(2)

Annualized.

(3)

The Company recognized a $619 thousand income tax

benefit in the first quarter of 2026 due to an adjustment to the

deferred tax asset calculation from 2025.

(4) State tax liability expenses for 2024 and for the

first three quarters of 2025 were recognized during the fourth

quarter of 2025. The state tax expense is related to

taxes due on interest income on loans whose collateral is

located outside of the State of Florida.

USCB FINANCIAL HOLDINGS, INC.

NON-GAAP FINANCIAL MEASURES (UNAUDITED)

(Dollars in thousands, except per share data)

As of or For the Three Months Ended

6/30/2026

3/31/2026

12/31/2025

9/30/2025

6/30/2025

Tangible book value per common share (at period-end):

(1)(4)

Total stockholders' equity

233,238

223,246

217,183

209,095

231,583

Less: Intangible assets

Tangible stockholders' equity

(3)

233,238

223,246

217,183

209,095

231,583

Total shares issued and outstanding (at period-end):

Total common shares issued and outstanding

18,459,470

18,257,400

18,137,885

18,107,385

20,078,385

Tangible book value per common share

(2)

12.64

12.23

11.97

11.55

11.53

Operating diluted net income per common share:

(1)

Operating net income

9,078

8,722

8,057

8,960

8,140

Total weighted average diluted shares of common stock

18,509,572

18,454,006

18,348,725

19,755,820

20,295,794

Operating diluted net income per common share:

0.49

0.47

0.44

0.45

0.40

Tangible Common Equity/Tangible Assets

(1)(4)

Tangible stockholders' equity

(3)

233,238

223,246

217,183

209,095

231,583

Tangible total assets

(3)

3,019,701

2,845,735

2,791,540

2,767,945

2,719,474

Tangible Common Equity/Tangible Assets

7.72%

7.84%

7.78%

7.55%

8.52%

(1)

The Company believes these non-GAAP financial measurements

are key indicators of the ongoing earnings power of the

Company.

(2)

Excludes the dilutive effect, if any, of shares of common stock issuable upon exercise of outstanding

stock options.

(3) Since the Company has no intangible assets, tangible

stockholders’ equity and tangible total assets are the

same amounts as stockholders’ equity and total assets,

respectively, as calculated under GAAP.

(4) The decrease in total stockholders’ equity in September

2025 was primarily driven by the repurchase of 2.0

million shares of Class A common stock, as previously

disclosed.

GRAPHIC

Filename: exhibit991p1i0.jpg · Sequence: 6

Binary file (10395 bytes)

Download exhibit991p1i0.jpg

EX-99.2

Filename: exhibit992.htm · Sequence: 7

exhibit992

Exhibit 99.2

USCB FINANCIAL HOLDINGS EARNINGS PRESENTATION

SECOND QUARTER 2026 NASDAQ: USCB

FORWARD-LOOKING STATEMENTS This presentation

may contain statements that are not historical in nature and are

intended to be, and are hereby identified as, forward-looking statements

for purposes of the safe harbor provided by Section 21E of the

Securities Exchange Act of 1934, as amended. Forward-looking statements

are those that are not historical facts. The words “may,” “will,”

“anticipate,” “could,” “ should,” “would,” “believe,” “contemplate,”

“expect,” “aim,” “plan,” “estimate,” “continue,” “seek,” and

“intend,” the negative of these terms, as well as other similar words and expressions

of the future, are intended to identify forward-looking statements. These

forward-looking statements include, but are not limited to, statements

related to our projected growth, anticipated future

financial performance, and management’s long-term performance

goals, as well as statements relating to the anticipated effects

on our results of operations and financial condition from expected or potential

developments or events, or business and growth strategies, including

anticipated internal growth and potential future additional balance

sheet restructuring. All numbers included in this presentation are

unaudited unless otherwise noted. These forward-looking statements involve

significant risks and uncertainties that could cause our actual

results to differ materially from those anticipated in such statements.

Potential risks and uncertainties include, but are not limited to: the

strength

of the United States economy in general and the strength of the local

economies in which we conduct operations; our ability to successfully

manage interest rate risk, credit risk, liquidity risk, and other risks inherent

to our industry; the accuracy of our financial statement estimates

and assumptions, including the estimates used for our allowance

for credit losses; the efficiency and effectiveness of our internal control procedures

and

processes; our ability to comply with the extensive laws and regulations

to which we are subject, including the laws for each jurisdiction

where we operate; adverse changes or conditions in the capital

and financial markets, including actual or potential stresses in

the banking industry; deposit attrition and the level of our uninsured

deposits; legislative or regulatory changes and changes, including

the enactment of the One Big Beautiful Bill, in accounting principles,

policies, practices or guidelines; the lack of a significantly diversified

loan portfolio and our concentration in the South Florida market,

including the risks of geographic, depositor, and industry concentrations,

including our concentration in loans secured by real estate,

in particular, commercial real estate; the effects of climate change;

the concentration of ownership of our common stock; fluctuations

in the price of our common stock; our ability to fund or access

the capital markets at attractive rates and terms and manage our growth,

both organic growth as well as growth through other means, such as

future acquisitions; inflation, interest rate, unemployment rate,

and market and monetary fluctuations; the effects of potential

new or increased tariffs, retaliatory tariffs and trade restrictions;

the impact of international hostilities and geopolitical events; increased

competition and its effect on the pricing of our products and services

as well as our net interest rate spread and net interest margin;

the loss of key employees; the effectiveness of our risk management

strategies, including operational risks, including, but not limited

to, client, employee, or fourth-party fraud and security breaches;

and other risks described in this presentation and other filings we

make with the Securities and Exchange Commission (“SEC”).

All forward-looking statements are necessarily only estimates of

future results, and there can be no assurance that actual results will not

differ materially from expectations. Therefore, you are cautioned

not to place undue reliance on any forward-looking statements. Further,

any forward-looking statements included in this presentation are

made only as of the date hereof, and we undertake no obligation

to update

or revise any forward-looking statements to reflect events or circumstances

occurring after the date on which the statements are made or to reflect

the occurrence of unanticipated events, unless required to do so under

the federal securities laws. You should also review the risk factors

described in the reports USCB Financial Holdings, Inc.

has filed or will file with the SEC. Non-GAAP Financial Measures

This presentation includes financial information determined by methods

other than in accordance with generally accepted accou

nting principles (“GAAP”). This financial information includes certain

operating performance measures. Management has included

these non-GAAP financial measures because it believes these measures

may provide useful supplemental information for evaluating the

Company’s expectations and underlying performance trends.

Further, management uses these measures in managing and evaluating

the Company’s business and intends to refer to them in discussions

about our operations and performance. Operating performance

measures should be viewed in addition to, and not as an alternative to

or substitute for, measures determined in accordance

with GAAP, and are not necessarily comparable to non-GAAP

measures that may be presented by other companies. Reconciliations

of these non-GAAP measures to the most directly comparable

GAAP measures can be found in the Non-GAAP financial measures

reconciliation tables included in this presentation. 2

Q2 2026 HIGHLIGHTS - Strong Earnings Growth Driven by Loan Production

& Margin Expansion GROWTH EOP assets surpassed $3.0 billion.

Average loans increased $81.2 million or 15.0% annualized

over Q1. Average deposit increased $61.9 million or 10.2% annualized

from Q1. Average DDA increased $47.4 million or 32.5%

over Q1. EARNINGS & PROFITABILITY ROAA was 1.26%

and ROAE was 15.90%. PTPP ROAA(1) was 1.93% improvement

from 1.79% for Q1. Net income was $9.1 million, or $0.49 per diluted

share. Net interest income before provision for credit losses increased

to $24.4M, up $2.3 million or 42.6% annualized over Q1. Net interest

margin improved to 3.49% from 3.27% for Q1. Deposit cost decreased

4 bps to 2.16% from Q1. Efficiency ratio was 49.97% improvement from

52.34% for Q1. CAPITAL/ CREDIT Non-performing

loans totaled $2.1 million or 0.09% of total loans. ACL coverage

ratio was 1.15% of total loans. Net charge-offs to average loans was 0.05% Total

risk-based capital ratio was 13.88% for the Company. Non

-GAAP financial measure. See reconciliation in this presentation.

HISTORICAL FINANCIALS – Consistent Growth, Profitability and

Credit Discipline Loans In millions $765 $2,322 2017 2018 2019

2020 2021 2022 2023 2024 2025 Q2 2026 Deposits In millions $820

$2,452 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q2 2026

Total Stockholders’ Equity In millions $114 $233 2017

2018 2019 2020 2021 2022 2023 2024 2025 Q2 2026 ACL/Total

Loans 1.33% 1.15% 2017 2018 2019 2020 2021 2022 2023 2024

2025 Q2 2026 Net charge-offs (recoveries) In thousands ($2,182)

$2,885 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q2 2026

Nonperforming Assets/Total Assets 0.17% 0.07% 2017 2018

2019 2020 2021 2022 2023 2024 2025 Q2 2026 Net Interest

Income In millions $31 $84 2017 2018 2019 2020 2021 2022 2023

2024 2025 Q2 2026 Efficiency ratio 86.65% 49.97% 2017 2018 2019

2020 2021 2022 2023 2024 2025 Q2 2026 PTPP ROAA 0.52%

1.93% 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q2 2026 (1) Loan

amounts include deferred fees/costs. (2) ACL was calculated

under the CECL standard methodology for all periods beginning

January 1, 2023, and the incurred loss methodology for all periods

before. (3) Non-GAAP financial measure. See reconciliation in

this presentation. 4

DIFFERENTIATED FRANCHISE DRIVING CONSISTENT

PERFORMANCE Attractive Market South Florida franchise

positioned in dynamic and growing markets. Commercially attractive

footprint Business and wealth-migration tailwinds Relationship opportunities

across local markets A Dynamic Market Driving Business

Growth Business Verticals Diversified funding supported

by targeted relationship verticals. Association Banking Private

Client Group Correspondent Banking Deposit-focused verticals: approx.

30% of deposits at 6/30/26 Relationship-Driven Model Local decision

-making with direct access to experienced bankers. Faster execution

than larger institutions Senior-level client engagement High-touch

concierge service for commercial and private clients Community-bank

responsiveness with public-bank discipline Proven Execution

Strong earnings, disciplined growth and excellent credit quality.

Q2 2026 ROAA: 1.26%; ROAE: 15.90% Average loans

+15.0% Annualized Q2oQ1 NPLs: 0.07% of total assets Quarterly

performance reflects disciplined execution A scalable community

-bank model combining local execution, specialized deposits, disciplined

credit and attractive market positioning. 5

FINANCIAL RESULTS – Strong Operating Performance

Driven by Balance Sheet Growth Balance Sheet (EOP) Income Statement

In thousands (except per share data) Q2 2026 Q1 2026 Q2

2025 Total Securities $468,986 $427,091 $444,122 Total

Loans (1) $2,322,385 $2,241,051 $2,113,318 Total Assets $3,019,701

$2,845,735 $2,719,474 Total Deposits $2,452,271 $2,493,580

$2,335,661 Total Equity (2) $233,238 $223,246 $231,583 Net

Interest Income $24,387 $22,048 $21,034 Non-Interest Income

$3,560 $4,150 $3,370 Total Revenue (3) $27,947 $26,198

$24,404 Provision for Credit Losses $1,267 $801 $1,031 Non-Interest

Expense $13,966 $13,711 $12,634 Income Before Income

Taxes $12,714 $11,686 $10,739 Income Tax Expense

$3,636 $2,335 $2,599 Net Income $9,078 $9,351 $8,140 Diluted

Earnings Per Share (EPS) $0.49 $0.51 $0.40 PTPP Net Income

(4) $13,981 $12,487 $11,770 Weighted Average

Diluted Shares 18,509,572 18,454,006 20,295,794 (1) Loan amounts include

deferred fees/costs. (2) Total Equity includes accumulated other

comprehensive loss of $31.4 million for Q2 2026, $31.3 million for

Q1 2026, and $41.8 million for Q2 2025. The increase

in total stockholders’ equity was partially offset by the cost of the repurchase

of 2.0 million shares of Class A common stock in September 2025, as

previously disclosed. (3) Equals net interest income plus non

-interest income. (4) Non-GAAP financial measures. See reconciliation

in this presentation. 6

KEY PERFORMANCE INDICATORS - Profitable Growth

Driving Shareholder Value In thousands (except for

TBV/share and ratios) Q2 2026 Q1 2026 Q2 2025 GROWTH Profitability

CAPITAL/CREDIT Total Assets (EOP) $3,019,701 $2,845,735

$2,719,474 Total Loans (EOP) (1) $2,322,385 $2,241,051

$2,113,318 Total Deposits (EOP) $2,452,271 $2,493,580

$2,335,661 Tangible Book Value/Share (2)(3)(5)

$12.64 $12.23 $11.53 Return On Average Assets (4) 1.26% 1.34%

1.22% PTPP Return On Average Assets (4)(5) 1.93% 1.79%

1.76% Return On Average Equity (4) 15.90% 17.07% 14.29%

Net Interest Margin (4) 3.49% 3.27% 3.28% Efficiency

Ratio 49.97% 52.34% 51.77% Tangible Common Equity/Tangible

Assets (3)(5) 7.72% 7.84% 8.52% Total Risk-Based Capital (6)

13.88% 14.09% 13.73% NCO/Avg Loans (4) 0.05%

0.00% 0.14% NPA/Assets 0.07% 0.13% 0.05% Allowance

for Credit Losses/Loans 1.15% 1.16% 1.18% (1) Loan amounts

include deferred fees/costs. (2) AOCI effect on tangible book value

per share was ($1.70) for Q2 2026, ($1.72) for Q1 2026 and ($2.08)

for Q2 2025. (3) TBV/share and TCE/TA were affected

by the effect of the cost of the repurchase of 2.0 million shares of Class A common

stock in September 2025 in stockholders' equity, as previously

disclosed. (4) Annualized. (5) Non-GAAP financial measure.

See reconciliation in this presentation. (6) Reflects the Company's regulatory

capital ratios. 7

DEPOSIT PORTFOLIO – DDA Above $600MM Drives Lower

Deposit Costs and Margin Expansion Deposits AVG Non-interest

-bearing demand deposits Interest-bearing deposits Deposit EOP

In millions Non-interest-bearing demand deposits Savings and

money market deposits Interest-bearing checking deposits Time

deposits Commentary Average DDA deposits increased

by $47.4 million or 32.5% annualized compared to prior quarter.

Average deposits totaled $2.5 billion, reflecting an increase

of $61.9 million or 10.2% annualized compared to prior quarter and

an increase of $198.3 million or 8.7% compared to the second quarter

of 2025. Deposit cost improved to 2.16%, decreasing 4 bps quarter

-over-quarter and 30 bps year-over-year. Deposit Cost Q2 2025 Q3

2025 Q4 2025 Q1 2026 Q2 2026 Interest-Bearing Deposits 3.29%

3.29% 3.02% 2.89% 2.90% Total Deposits (1) 2.46% 2.53%

2.28% 2.20% 2.16% (1) Reflects effects of non-interest-bearing

deposits. (1) Reflects effects of non-interest-bearing demand deposits.

LOAN PORTFOLIO – Loan Growth Momentum Positions USCB

for Sustained Performance Total Loans (AVG) In

millions 6.23% 6.21% 6.16% 6.11% 6.20% $2,057 $2,099 $2,131

$2,178 $2,259 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Loans

Loan Yields Total Gross Loans (EOP) (1) In millions

Net Growth $2,106 $2,125 $2,183 $2,234 $2,317 $218 $208 $207 $208

$208 $110 $105 $128 $128 $138 $264 $269 $296 $291 $300 $307

$317 $308 $347 $357 $1,207 $1,226 $1,245 $1,260 $51,314 Q2 2025

Q3 2025 Q4 2025 Q1 2026 Q2 2026 Commercial real

estate Residential real estate Commercial and industrial Correspondent banks

Consumer and other Commentary Average loans increased

$81.2 million or 14.96% annualized compared to prior quarter and

$201.5 million or 9.8% compared to second quarter 2025. Loan

yield increased to 6.20% in Q2 2026, driven by the full-quarter

impact of prior-quarter originations and new loans added during the

quarter. (1) Excludes deferred fees/cost. 9

LOAN PRODUCTION – Record Quarterly Loan Production of $272 Million

Net Loan Production Trend In millions, except for ratios 7.12%

6.43% 5.93% 5.87% 5.90% $187 $110 $132 $113 $196 $137

$188 $136 $272 $189 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026

Loan Production/Line changes Loan Amortization/payoffs New

loans weighted average coupon Loan Composition Trend EOP

(1) In millions, except for ratios $948 $2,317 28% 15% 63% 57%

9% 28% Jun-26 Jun-26 Residential real estate Commercial

real estate Real Estate Loans Commercial and industrial, Correspondent

banks, and consumer and other (1) Excludes deferred

fees/cost. Commentary Gross loan production totaled $272.0 million during

the second quarter of 2026, with June closings accounting for $116.5

million or 42.6%, of total quarterly production. Additionally,

$83.5 million, or 30.6% of quarterly loan closings, consisted

of correspondent banking loans, which carried a new‑loan yield of

5.22%; these loans are typically 180-day notes. Excluding correspondent

banking loan production, the weighted‑average yield on new loans

originated during the quarter was 6.20%. Embedded prepayment penalties

help protect yield and earnings in the event of early loan prepayments.

NET INTEREST MARGIN – NIM Driven by Loan Growth and Stable

Funding Cost Net Interest Income/Margin (1) In thousands (except

ratios) Net Interest Income NIM Interest-Earning Assets Mix

(AVG) Total Loans Investment Securities Cash

Balances & Equivalents Commentary Net interest income

increased $2.3 million or 42.6% annualized compared to prior quarter

and $3.4 million or 15.9% compared to second quarter 2025. Interest

-earning asset mix shifted toward higher-yielding assets, while lower

funding costs and the increase in yields drove net interest income and

a 3.49% NIM. Interest Rates and Yields Q2 2025 Q3 2025 Q4

2025 Q1 2026 Q2 2026 Loans 6.23% 6.21% 6.16% 6.11% 6.20%

Investment securities 3.06% 3.03% 3.01% 3.05% 3.35% Interest

-earning assets 5.64% 5.56% 5.54% 5.49% 5.67% Deposits (2) 2.46%

2.53% 2.28% 2.20% 2.16% Interest-bearing liabilities 3.32%

3.34% 3.14% 3.05% 3.05% Annualized. Reflects effects of

non-interest-bearing deposits. 11

ASSET QUALITY – Exceptional Credit Quality Supports Sustainable

Growth Allowance for Credit Losses In thousands (except

ratios) 1.18% 1.17% 1.16% 1.16% 1.15% $24,933 $24,964 $25,500 $26,102

$26,701 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Allowance

for credit loss ACL/Total loans Non-performing Loans In thousands

(except ratios) 0.06% 0.06% 0.14% 0.16% 0.09% $1,366 $1,310

$3,138 $3,640 $2,148 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026

Non-accrual loans Non-performing loans to total loans Commentary

The allowance for credit losses had a net increase of $599 thousand

from the prior quarter, as reserves built for loan growth were

partially offset by $288 thousand net charge-offs. ACL coverage ratio

was 1.15% as of June 30, 2026. Non‑performing loans decreased

by $1.5 million from the prior quarter to $2.1 million. The non‑performing

loans‑to‑total loans

ratio decreased to 0.09% as of June 30, 2026. Classified Loans

(1) to Total Loans 0.27% 0.22% 0.29% 0.30% 0.20% Q2

2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 (1) Loans classified as

substandard at period end. No loans classified doubtful at any of the

dates presented. 12

NON-INTEREST INCOME - Diversified Fee Income Provides

Consistent Revenue Contribution In thousands (except ratios) Q2 2026

Q1 2026 Q4 2025 Q3 2025 Q2 2025 Total service fees

$2,601 $3,100 $2,209 $2,661 $ 2,402 Wire fees $618 $623 $656 $647

$604 Swap fees $572 $1,554 $449 $790 $428 Other $1,411

$923 $1,104 $1,224 $1,370 Gain (loss) on sale of securities

available for sale - $14 ($7,498) ($28) - Gain on sale of loans

held for sale - $106 $197 $128 $151 Other income $959 $930 $914

$923 $817 Total non-interest income $3,560 $4,150 ($4,178)

$3,684 $3,370 Average total assets $2,900,725 $2,834,717

$2,799,863 $2,798,115 $2,677,198 Non-interest income/Average

assets (1) 0.49% 0.59% (0.59%) 0.52% 0.50% Commentary Non-interest

income decreased in the second quarter of 2026, primarily due to

elevated swap loan activity in the prior quarter. Other service

fee income increased $488 thousand, driven primarily by a $432 thousand

increase in loan prepayment penalty income compared to the

prior quarter. Non-interest income was 12.7% of total revenue

for second quarter 2026. (1) Annualized. 13

NON-INTEREST EXPENSE - Expense Management Supports Operating

Leverage In thousands (except ratios) Q2 2026 Q1 2026 Q4 2025 Q3

2025 Q2 2025 Salaries and employee benefits $8,537 $8,570 $8,668

$7,909 $7,954 Occupancy 1,369 1,316 1,327 1,382 1,337 Regulatory

assessments and fees 397 484 443 377 396 Consulting and legal

fees 583 561 900 585 263 Network and information technology services

524 560 599 656 564 Other operating expense 2,556 2,220 2,338

2,139 2,120 Total non-interest expense $13,966 $13,711

$14,275 $13,048 $12,634 Operating efficiency ratio (1) 49.97%

52.36% 55.92% 52.22% 51.77% Non-interest expense/Average

assets (2) 1.93% 1.96% 2.02% 1.85% 1.89% Full-time equivalent employees

216 211 204 206 203 Commentary Efficiency ratio improvement

to 49.97% supported by higher net interest income during

the quarter. Total non-interest expense increased by $255

thousand compared to the prior quarter, primarily driven by a $312

thousand excise tax expense on share repurchases executed

in 2025, which was recorded in other operating expense. (1) Non-GAAP financial

measures. See reconciliation in this presentation. (2) Annualized.

CAPITAL - Strong Capital Levels Support Continued Organic Growth

Capital Ratios (1) Leverage Ratio TCE/TA (2) Tier 1 Risk-Based

Capital Total Risk-Based Capital AOCI In Millions Q2 2026 8.81%

7.72% 11.01% 13.88% ($31.4) Q1 2026 8.61% 7.84% 11.09%

14.09% ($31.3) Q2 2025 9.72% 8.52% 12.52% 13.73% ($41.8) Well

Capitalized 5.00% NA 8.00% 10.00% Commentary On July 20, 2026,

the Company’s Board of Directors declared a quarterly cash

dividend of $0.125 per share on the Company’s Class A common stock.

The dividend will be payable on September 4, 2026, to shareholders

of record as of the close of business on August 17, 2026. Q2 2026 EOP

common stock shares outstanding: 18,459,470. AOCI was ($31.4)

million or ($1.70) per share as of June 30, 2026. (1) Reflects the

Company's regulatory capital ratios. (2) Non-GAAP financial

measures. See reconciliation in this presentation. 15

TAKEAWAYS - Attractive Franchise Positioned

for Continued Growth Leading franchise located in one of the

most attractive banking markets in U.S. Scarcity value in the Miami MSA

Robust capital position with regulatory ratios well in excess of “well

capitalized” threshold Low risk, commercially oriented loan

portfolio Demonstrated profitability profile since 2015 recap

further improved by current management team Strong asset quality

– minimal charge-offs experienced since 2015 recap

Attractive deposit base driven by steady growth in specialized verticals Balanced

liquidity profile with a 94.7% loan/deposit ratio (EOP) 16

APPENDIX – NON-GAAP RECONCILIATION In thousands

(except ratios) USCB FINANCIAL HOLDINGS, INC. NON-GAAP

FINANCIAL MEASURES (UNAUDITED) (Dollars in thousands)

As of or For the Three Months Ended 6/30/2026 3/31/2026

12/31/2025 9/30/2025 6/30/2025 Pre-tax pre-provision ("PTPP")

income: (1) Net income $ 3078 $ 3351 $ 1363 $ 8939 $ 8140

Plus: Income tax expense 3638 2935 1911 2866 2639 Plus:

Provision for credit losses 1267 501 480 105 1031 PTPP income $ 13981

$ 12487 $ 3754 $ 11910 $ 11770 PTPP return on average

assets: (1) PTPP income $ 13981 $ 12487 $ 3754 $ 11910 $ 11770

Average assets $ 2900725 $ 2834717 $ 2793863 $ 2798315

$ 2877198 PTPP return on average assets 193% 179% 0.53% 169%

176% Operating net income: (1) Net income $ 3078 $ 3351

$ 1363 $ 8939 $ 8140 Less: Net gains (losses) on sale of securities

$ 14 $ (7,498) $ (28) Less: Tax effect on sale of securities (4)

1900 7 Plus: Tax (benefit) liability expense from prior periods

(619) [4] 1096 [4] Operating net income $ 3078 $ 8722 $ 8057 $

8960 $ 8140 Operating return on average assets: (1) Operating net

income $ 3078 $ 8722 $ 8057 $ 8960 $ 8140 Average assets $ 2900725

$ 2834717 $ 2793863 $ 2798115 $ 2677198 Operating net

income return on average assets 128% 125% 114% 127%

122% Operating return on average equity: (1) Operating net income

$ 3078 $ 8722 $ 8057 $ 8960 $ 8140 Average equity $

228333 $ 222326 $ 212393 $ 225316 $ 228432 Operating net income

return on average equity 15.90% 15.32% 15.05% 15.78%

14.23% Operating revenue: (1) Net interest income $ 24387 $ 22048

$ 22207 $ 21274 $ 21034 Non-interest income 3560 4150 (4,178)

3684 3370 Less: Net gains (losses) on sale of securities 14 (7,438)

(28) Operating revenue $ 27347 $ 26184 $ 25527 $ 24386

$ 24404 Operating efficiency ratio: (1) Total non-interest

expense $

13366 $ 13711 $ 14275 $ 13048 $ 12634 Operating revenue $ 27347

$ 26184 $ 25527 $ 24386 $ 24404 Operating efficiency ratio

49.37% 52.36% 55.92% 52.22% 51.77% (1) The Company believes

these non-GAAP financial measurements are key indicators

of the ongoing earnings power of the Company. (2) Annualized.

(3) The Company recognized a $619 thousand income tax benefit

in the first quarter of 2026 due to an adjustment to the deferr

ed tax asset calculation from 2025. (4) State tax liability expenses for

2024 and for the first three quarters of 2025 were recognized

during the fourth quarter of 2025. The state tax expense is related

to taxes due on interest income on loans whose collateral is located

outside of the State of Florida. 17

APPENDIX – NON-GAAP RECONCILIATION In thousands

(except ratios and share data) As of or For the Three Months Ended

6/30/2026 3/31/2026 12/31/2025 9/30/2025 6/30/2025 Tangible

book value per common share (at period-end): (1)(4) Total

stockholders' equity $ 233,238 $ 223,246 $ 217,183 $ 209,095 $ 231,583

Less: Intangible assets Tangible stockholders' equity (3) $

233,238 $ 223,246 $ 217,183 $ 209,095 $ 231,583 Total shares

issued and outstanding (at period-end): Total common shares

issued and outstanding 18,459,470 18,257,400 18,137,885 18,107,385

20,078,385 Tangible book value per common share

(2) $ 12.64 $ 12.23 $ 11.97 $ 11.55 $ 11.53 Operating diluted

net income per common share: (1) Operating net income $ 3,078

$ 8,722 $ 8,057 $ 8,960 $ 8,140 Total weighted average

diluted shares of common stock 18,509,572 18,454,006 18,348,725 19,755,820

20,295,794 Operating diluted net income per common share: $ 0.49

$ 0.47 $ 0.44 $ 0.45 $ 0.40 Tangible Common Equity/Tangible

Assets (1)(4) Tangible stockholders' equity (3) $ 233,238

$ 223,246 $ 217,183 $ 209,095 $ 231,583 Tangible total assets (3)

$ 3,019,701 $ 2,845,735 $ 2,791,540 $ 2,767,945 $ 2,719,474 Tangible

Common Equity/Tangible Assets 7.72% 7.84% 7.78% 7.55% 8.52%

(1) The Company believes these non-GAAP financial measurements are

key indicators of the ongoing earnings power of the Company.

(2) Excludes the dilutive effect, if any, of shares of common

stock issuable upon exercise of outstanding stock options. (3)

Since the Company has no intangible assets, tangible stockholders'

equity and tangible total assets are the same amounts as stockholders'

equity and total assets, respectively, as calculated under GAAP.

(4) The decrease in total stockholders' equity in September 2025 was

primarily driven by the repurchase of 2.0 million shares of Class

A common stock, as previously

disclosed. 18

APPENDIX – BUSINESS VERTICALS Differentiated Banking

Product Offerings and Services Private Client Group (1) $328MM Deposits

Deposit aggregating focus/strategy. Tailored products

& services for professionals, professional firms, business owners, and

affluent individuals and their families. PCG also provides concierge

-level banking service for the legal and healthcare sectors delivering

financial solutions designed specifically for these professionals.

Yacht Lending $203MM Loans Yacht financing for

larger vessels, transaction range is $750k -$7.5MM. Brokered

oriented business, 3 vendor approved brokers. Member of the National

Marine Lenders Association. Launched this new vertical in 2022.

Association Banking $165MM Deposits / $135MM Loans Deposit

aggregating focus/strategy. Banking for Homeowner Associations

and Property Managers. Offer deposit collection services

and esoteric lending solutions ranging from insurance premium and

large capital improvements

financing. Significant lending capacity to target large credits.

SBA / Small Business Lending $64MM Loans Relationship-oriented

business focused on delivering fast loan commitments to small and

medium-sized enterprises. Predominately small business line of

credits and CD secured loans. Affordable SBA loan provider.

Approved by the SBA to participate in the Preferred Lenders

Program. Specialty banking products, services and solutions designed for

small businesses, homeowner associations, law firms, medical

practices and other professional services firms, yacht lending and global

banking services Correspondent Banking $245MM Deposits / $139MM

Loans Comprehensive range of both domestic and international

services with the latest in technology to ensure quick processing.

Focus on Caribbean and Latin American countries. Correspondent

banking services include letters of credit, foreign collections,

wire transfers, ForEx and trade finance. Balances as of June 30, 2026. (1)

Effective 4th quarter 2025, the Private Client Group vertical

now includes balances for the entire business unit, encompassing

not only some Jurist Advantage and Health Industry sectors, but

also other professional and affluent client segments. Accordingly,

balances presented for PCG reflect the full scope of the business

unit, rather than select sectors as previously reported. When

evaluating period-over-period trends, please consider this expanded

scope. 19

APPENDIX – LOAN PORTFOLIO MIX Loan Portfolio Mix (1)

15% Residential real estate 9% CRE – Owner occupied 48%

CRE – Non-owner occupied 13% Commercial and industrial 6%

Correspondent banks 6% Consumer and other 9% $2,317MM

CRE Loan Mix Other 3% Retail 25% Multifamily 24% CRE – Owner

Occupied 16% Office 9 % Warehouse 12% Hotels 8%

Land/Construction 3% $1,314MM Commentary Total loan balance

at quarter end was $2,317 million (4). Commercial Real Estate

(owner occupied and non-owner occupied) was 56.7% or $1,314

million of the total loan portfolio. CRE mix is diversified and granular.

Retail non-owner occupied makes up 25% of total CRE or $330.8

million. CRE Loan Portfolio (non-owner occupied and owner

occupied) Weighted Average Loan Type Outstanding

Balance (1) LTV (2) DSCR (3) Average Loan Size (1)

Retail $352 55% 1.52 $3.0 Multifamily $322 55% 1.31 $2.0 Office

$187 53% 1.96 $1.5 Warehouse $235 56% 1.57 $1.7 Hotel

$100 56% 2.02 $3.9 Other $86 53% 1.84 $1.8 Land/Construction

$41 51% NA $1.9 As of 06/30/26 (1) Balance in millions. Excludes

deferred fees/cost. (2) LTV - Loan to value ratio. (3)

DSCR - Debt service coverage ratio. (4) Excludes deferred

fees/cost (5) Includes loan types: office, warehouse, retail, and other 20

APPENDIX – SECURITIES PORTFOLIO EOP for Balance

Sheet amounts, in millions Portfolio Composition CMO 25% MBS 14%

CMBS 47% SBA 6% Agency 4% Municipalities 1% Corporate

3% Bank Subordinated Debt Securities Portfolio Key Metrics

Metrics as of 06/30/2026 Securities portfolio $ 469.0 AFS as %

of portfolio 71% HTM as % of portfolio 29% Qtr. weighted avg.

port. yield 3.35% Average life 6.4 Modified duration 5.3

Commentary Securities portfolio totaled $469.0 million; 71.0% of the

portfolio is classified as AFS, while 29.0% is classified as HTM.

The modified duration is 5.3 and the average life is 6.4 years.

Duration has increased because we have purchased

longer-duration bonds to protect the balance sheet from expected lower interest

rates. We expect to receive $27.5 million from the securities

portfolio for the remainder of 2026, at current rates; these cashflows

will support loan growth and/or deposit volatility. 86% of

the portfolio is invested in agency mortgage-backed securities, boosting

liquidity. Estimated Short Term Cashflows -100 Base +100

2026 $44.3 $27.5 $25.4 2027 $78.6 $58.5 $52.9 2028 $54.4 $49.1

$44.8 2029 $41.9 $41.9 $38.9 Total Cashflow $219.2 $176.9

$162.0 Total Cashflow / Total Portfolio 42% 34% 31% 21

APPENDIX – INTEREST RATE SENSITIVITY Loan

Portfolio Repricing Profile by Rate Type Hybrid ARM $85MM

4% Fixed Rate $851MM 37% Variable Rate $1,381$ 59%

$2,317MM 8% 56% 36% Loan Repricing Schedule Variable

& Hybrid Rate Loans $387MM 27% $794MM 54% $163MM 11%

$122M 8% $1,466MM 0-1 yrs. 1-2 yrs. 2-3 yrs. >3 yrs. Static NII Simulation

Year 1 & 2 Year 1 Year 2 2.6% -3.1% in this

slide the Static NII Simulation percentages must be updated manually

0.9% -2.3% Net Interest Income change from base ($ in thousands

and % change) 22

CONTACT INFORMATION LOU DE LA AGUILERA

Chairman, President & CEO (305) 715-5186 laguilera@uscentury.com

ROB ANDERSON EVP, Chief Financial Officer (305)

715-5393 rob.anderson@uscentury.com INVESTOR RELATIONS

InvestorRelations@uscentury.com 23

GRAPHIC

Filename: exhibit992p1i0.jpg · Sequence: 8

Binary file (98387 bytes)

Download exhibit992p1i0.jpg

GRAPHIC

Filename: exhibit992p2i0.jpg · Sequence: 9

Binary file (133175 bytes)

Download exhibit992p2i0.jpg

GRAPHIC

Filename: exhibit992p3i0.jpg · Sequence: 10

Binary file (81632 bytes)

Download exhibit992p3i0.jpg

GRAPHIC

Filename: exhibit992p4i0.jpg · Sequence: 11

Binary file (105678 bytes)

Download exhibit992p4i0.jpg

GRAPHIC

Filename: exhibit992p5i0.jpg · Sequence: 12

Binary file (89540 bytes)

Download exhibit992p5i0.jpg

GRAPHIC

Filename: exhibit992p6i0.jpg · Sequence: 13

Binary file (109549 bytes)

Download exhibit992p6i0.jpg

GRAPHIC

Filename: exhibit992p7i0.jpg · Sequence: 14

Binary file (103713 bytes)

Download exhibit992p7i0.jpg

GRAPHIC

Filename: exhibit992p8i0.jpg · Sequence: 15

Binary file (98883 bytes)

Download exhibit992p8i0.jpg

GRAPHIC

Filename: exhibit992p9i0.jpg · Sequence: 16

Binary file (83832 bytes)

Download exhibit992p9i0.jpg

GRAPHIC

Filename: exhibit992p10i0.jpg · Sequence: 17

Binary file (95226 bytes)

Download exhibit992p10i0.jpg

GRAPHIC

Filename: exhibit992p11i0.jpg · Sequence: 18

Binary file (95565 bytes)

Download exhibit992p11i0.jpg

GRAPHIC

Filename: exhibit992p12i0.jpg · Sequence: 19

Binary file (88271 bytes)

Download exhibit992p12i0.jpg

GRAPHIC

Filename: exhibit992p13i0.jpg · Sequence: 20

Binary file (101891 bytes)

Download exhibit992p13i0.jpg

GRAPHIC

Filename: exhibit992p14i0.jpg · Sequence: 21

Binary file (101018 bytes)

Download exhibit992p14i0.jpg

GRAPHIC

Filename: exhibit992p15i0.jpg · Sequence: 22

Binary file (89347 bytes)

Download exhibit992p15i0.jpg

GRAPHIC

Filename: exhibit992p16i0.jpg · Sequence: 23

Binary file (128428 bytes)

Download exhibit992p16i0.jpg

GRAPHIC

Filename: exhibit992p17i0.jpg · Sequence: 24

Binary file (121419 bytes)

Download exhibit992p17i0.jpg

GRAPHIC

Filename: exhibit992p18i0.jpg · Sequence: 25

Binary file (105722 bytes)

Download exhibit992p18i0.jpg

GRAPHIC

Filename: exhibit992p19i0.jpg · Sequence: 26

Binary file (105380 bytes)

Download exhibit992p19i0.jpg

GRAPHIC

Filename: exhibit992p20i0.jpg · Sequence: 27

Binary file (98045 bytes)

Download exhibit992p20i0.jpg

GRAPHIC

Filename: exhibit992p21i0.jpg · Sequence: 28

Binary file (99232 bytes)

Download exhibit992p21i0.jpg

GRAPHIC

Filename: exhibit992p22i0.jpg · Sequence: 29

Binary file (61357 bytes)

Download exhibit992p22i0.jpg

GRAPHIC

Filename: exhibit992p23i0.jpg · Sequence: 30

Binary file (54955 bytes)

Download exhibit992p23i0.jpg

XML — IDEA: XBRL DOCUMENT

XML

Filename: R1.htm · Sequence: 32

v3.26.1

Cover Page

Jul. 23, 2026

Cover Page

Entity Central Index Key

0001901637

Document Type

8-K

Amendment Flag

false

Document Period End Date

Jul. 23, 2026

Entity Registrant Name

USCB Financial Holdings, Inc.

Entity Incorporation State Country Code

Entity File Number

001-41196

Entity Tax Identification Number

87-4070846

Entity Address, Address Line One

2301 N.W. 87th Avenue

Entity Address, City or Town

Doral

Entity Address, State or Province

Entity Address, Postal Zip Code

33172

City Area Code

305

Local Phone Number

715-5200

Written Communications

false

Soliciting Material

false

Pre Commencement Tender Offer

false

Pre Commencement Issuer Tender Offer

false

Security 12b Title

Class A common stock, $1.00 par value per share

Trading Symbol

USCB

Security Exchange Name

NASDAQ

Entity Emerging Growth Company

true

Entity Ex Transition Period

false

- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

+ References

No definition available.

+ Details

Name:

dei_AmendmentFlag

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Area code of city

+ References

No definition available.

+ Details

Name:

dei_CityAreaCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Cover page.

+ References

No definition available.

+ Details

Name:

dei_CoverAbstract

Namespace Prefix:

dei_

Data Type:

xbrli:stringItemType

Balance Type:

Period Type:

duration

- Definition

For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

+ References

No definition available.

+ Details

Name:

dei_DocumentPeriodEndDate

Namespace Prefix:

dei_

Data Type:

xbrli:dateItemType

Balance Type:

Period Type:

duration

- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

+ References

No definition available.

+ Details

Name:

dei_DocumentType

Namespace Prefix:

dei_

Data Type:

dei:submissionTypeItemType

Balance Type:

Period Type:

duration

- Definition

Address Line 1 such as Attn, Building Name, Street Name

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine1

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the City or Town

+ References

No definition available.

+ Details

Name:

dei_EntityAddressCityOrTown

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Code for the postal or zip code

+ References

No definition available.

+ Details

Name:

dei_EntityAddressPostalZipCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the state or province.

+ References

No definition available.

+ Details

Name:

dei_EntityAddressStateOrProvince

Namespace Prefix:

dei_

Data Type:

dei:stateOrProvinceItemType

Balance Type:

Period Type:

duration

- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityCentralIndexKey

Namespace Prefix:

dei_

Data Type:

dei:centralIndexKeyItemType

Balance Type:

Period Type:

duration

- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Indicate if an emerging growth company has elected not to use the extended transition period for complying with any new or revised financial accounting standards.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 7A

-Section B

-Subsection 2

+ Details

Name:

dei_EntityExTransitionPeriod

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

Period Type:

duration

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

dei_

Data Type:

dei:edgarStateCountryItemType

Balance Type:

Period Type:

duration

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

dei_

Data Type:

dei:employerIdItemType

Balance Type:

Period Type:

duration

- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

Name:

dei_PreCommencementIssuerTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

Name:

dei_PreCommencementTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

dei_

Data Type:

dei:securityTitleItemType

Balance Type:

Period Type:

duration

- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

dei_

Data Type:

dei:edgarExchangeCodeItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

dei_WrittenCommunications

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration