USCB Financial Holdings reported total assets of $2.8 billion for Q4 2025, an 8.1% increase year-over-year. Loan balances grew by $216 million, or 11%, driven by robust commercial lending activity and disciplined underwriting standards. Deposits rose by $171 million, or 7.9%, reflecting deepening client relationships across the bank’s core markets in California. Net interest margin expanded to 3.27%, up from 3.16% in the prior year, contributing to improved core profitability.

The bank delivered Q4 earnings of $0.44 per share, missing consensus estimates of $0.51 and falling short of the prior year’s $0.34 per share. Management attributed the shortfall primarily to higher funding costs and a one-time charge related to the early redemption of senior debt. Despite the earnings miss, non-interest income held steady, supported by stable mortgage banking revenue and modest growth in service fees.

Credit metrics remain a bright spot, with nonperforming loans at just 0.14% of total loans. Allowance for credit losses covered nonperforming loans by 270%, providing a substantial buffer against potential charge-offs. Tangible book value per share increased 10.8% year-over-year to $11.97, underscoring the bank’s ability to retain earnings and support capital reserves. Regulatory capital ratios remained above peer medians, ensuring ample capacity for future loan growth.