Q4 2025 USCB Financial Holdings Inc Earnings Call Transcript
Key Points
- Total assets increased by 8.1% year over year, reaching $2.8 billion.
- Loans grew by $216 million or 11%, indicating strong commercial activity and disciplined underwriting.
- Deposits increased by $171 million or 7.9%, reflecting continued franchise growth and deep client relationships.
- Net interest income expanded to 3.27%, improving from 3.16% in the prior year.
- Tangible book value per share increased by 10.8% year over year to $11.97.
- GAAP diluted EPS was negatively impacted by a $0.31 loss per share due to a securities portfolio restructuring.
- A $0.06 per share income tax liability expense related to prior periods affected earnings.
- Nonperforming loans increased by 8 basis points, although they remain well covered by allowances.
- Classified loans increased to $6.4 million, representing 0.29% of the portfolio.
- Interest-bearing deposit rates decreased, impacting overall deposit costs.
Good morning, everyone, and welcome to the Q4 2025 USCB Financial Holdings, Inc. earnings conference call. (Operator Instructions) Please also note, today's event is being recorded.
At this time, I would like to turn the conference over to Luis de la Aguilera, Chairman and CEO. Sir, please go ahead.
Thank you, Jamie, and good morning, and thank you for joining us for USCB Financial Holdings Q4 2025 earnings call. I am Luis de la Aguilera, Chairman, President and CEO of USCB Financial Holdings. With me today reviewing our Q4 highlights is CFO, Rob Anderson; and Chief Credit Officer, Bill Turner, who will provide an overview of the bank's performance, the highlights of which commenced on slide 3. 2025 was another successful year in which team USCB closely focused on our business plan executed efficiently and delivered strong results.
In reviewing overall performance, we note that total assets reached $2.8 billion, up 8.1% year over year.
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