USCB Financial Holdings Inc (NASDAQ: USCB) is a Florida bank holding company that operates U.S. Century Bank, a Florida state-chartered bank providing personal and business banking products and services across South Florida. The company earns money primarily through net interest income on loans and deposits, with loans being the largest category of interest-earning assets as of December 31, 2025. U.S. Century Bank commenced operations in October 2002 and USCB Financial Holdings was formed as its holding company on December 17, 2021. Headquartered in Miami, Florida, the company operates 10 banking centers in South Florida and held $2.8 billion in total consolidated assets as of December 31, 2025. The bank focuses on small and midsize businesses, with commercial real estate as the largest loan category. Specialty offerings include SBA 7(a) and 504 lending, homeowner association banking, services for law firms and medical practices, and global banking services. Competition comes from local, regional, national, and international commercial banks, credit unions, and fintech companies.

Revenue model

Net interest income from loans and investment securities, with loans as the primary interest-earning asset. Additional revenue comes from originating and selling SBA 7(a) loans, generating fee income alongside traditional spread-based banking. Deposit funding is sourced in part by cross-selling retail deposit relationships to owners and employees of commercial lending clients.

Products and services

Personal and business banking deposits and loans. Commercial real estate loans (largest portfolio segment as of December 31, 2025). Commercial and industrial loans. Residential real estate loans. Correspondent bank loans. Consumer loans. SBA 7(a) and 504 loans originated through a Preferred Lender platform established in 2018. Specialty banking for small businesses, homeowner associations, law firms, medical practices, and other professional services firms. Global banking services.

Customers and end markets

Small and midsize businesses (SMBs) as the primary commercial client base. Owners, operators, and employees of commercial lending clients targeted for retail deposit relationships. Homeowner associations, law firms, medical practices, and other professional services firms served through specialty banking. Geographic end market concentrated in the Miami metropolitan statistical area, with additional presence in Broward and Palm Beach counties.

Value-chain role

Community and specialty bank operating as a direct lender and deposit-gatherer. Originates and sells SBA 7(a) loans, acting as both lender and secondary-market seller. Holds loans on balance sheet for spread income. Serves as a Preferred Lender under the SBA program as of December 31, 2025.

Geographic exposure

Operates exclusively in South Florida as of December 31, 2025, with 10 banking centers. Primary concentration in the Miami metropolitan statistical area (6.7 million residents as of end of 2025). Secondary focus on Broward and Palm Beach counties. Florida statewide opportunity cited given the state's population of 23.8 million at end of 2025.

Competitors

Local community banks, Regional banks, National commercial banks, International commercial banks, Credit unions, Fintech companies

Source: SEC 10-K, filed 2026-03-13

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