USCB Financial Holdings reported net income of $9.5 million and fully diluted earnings per share of $0.51 for the quarter ended 30 September 2026, up from $8.9 million and $0.45 a year earlier. The holding company for U.S. Century Bank released the figures on 22 October.
The earnings improvement came with a mixed balance-sheet picture: the interest margin increased, while deposits declined slightly and the non-performing-loan ratio rose. Those qualifications matter alongside the higher profit.
Results and the credit-quality comparison
| Measure | Q3 2026 / comparison | Official evidence |
|---|---|---|
| Reported net income | $9.5 million; year-earlier quarter $8.9 million | Issuer results release |
| Fully diluted earnings per share | $0.51; year-earlier quarter $0.45 | Issuer results release |
| Net interest income before credit-loss provision | $24.3 million; year-earlier $21.3 million; issuer reports growth of 14.2% | Issuer results release |
| Net interest margin | 3.37%; year-earlier 3.14% | Issuer results release |
| Non-performing loans / total loans | 0.33%; year-earlier 0.06% | Issuer results release |
| Non-performing loans | $7.7 million; year-earlier $1.3 million | Issuer results release |
| Deposits | $2.4 billion rounded; issuer reports year-on-year decline of 0.4% | Issuer results release |
| Declared cash dividend | $0.125 per Class A common share; declared 19 October 2026 | Issuer results release |
| Record and payment dates | Record: close of business 16 November 2026; payment: 4 December 2026 | Issuer results release |
| Ex-dividend date | Not verified in this release; no date inferred | Issuer results release |
Profit growth is not the same as lower credit risk
A non-performing-loan ratio measures problem loans against the relevant loan portfolio. The increase from 0.06% to 0.33% is 0.27 percentage points, or 27 basis points. It should not be described as a 0.27% relative increase. The higher level does not cancel the reported profit, but it is a separate risk indicator.
Net interest income is the interest earned after interest expense; the table’s amount is before the credit-loss provision. The issuer’s 14.2% growth calculation uses its underlying figures. Recalculating from the rounded $24.3 million and $21.3 million can produce a slightly different percentage, so this report labels that rate as the company’s figure.
A declared dividend, not an investment return forecast
The dividend applies to Class A common shares and has a future payment date at observation. The record date is not automatically the final trading day to buy for eligibility; this report does not infer an ex-dividend date, tax treatment or assured gain.
USCB’s official investor profile identifies its focus on business owners and small-to-medium-sized companies. The quarterly results provide the current numbers used here; older figures on general profile pages are not substituted for the September balance sheet.
Official evidence checked on 2026-10-25: the exact results release and issuer profile / investor hub. Observation times: 2026-10-25T14:41:41.793Z; 2026-10-25T14:41:42.222Z. Both records originate from the issuer; they are not independent reporting.
More earnings and business reporting from CapKet. This report does not forecast a share-price move or recommend an investment.
Recorded source observation: . This is a source-check timestamp, not a market quote or a new article update.