Financial Statements — USCB
Balance Sheet
(in billions USD)| Metric | Q2
2026 | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 |
|---|
| Cash & Equivalents | 0.12 | 0.08 | 0.06 | 0.05 | 0.10 | 0.04 | 0.08 | 0.13 | 0.03 | 0.09 | 0.06 | 0.07 | 0.08 | 0.09 |
| Net Loans & Leases | 2.30 | 2.21 | 2.11 | 2.09 | 2.01 | 1.91 | 1.85 | 1.80 | -- | -- | -- | -- | -- | -- |
| Total Assets | 3.02 | 2.85 | 2.77 | 2.72 | 2.68 | 2.50 | 2.46 | 2.49 | 2.24 | 2.23 | 2.16 | 2.04 | 2.02 | 1.97 |
| Total Deposits | 2.45 | 2.49 | 2.46 | 2.34 | 2.31 | 2.13 | 2.06 | 2.10 | 1.92 | 1.92 | 1.83 | 1.80 | 1.74 | 1.71 |
| Total Liabilities | 2.79 | 2.62 | 2.56 | 2.49 | 2.45 | 2.29 | 2.26 | 2.29 | 2.06 | 2.04 | 1.98 | 1.86 | 1.84 | 1.78 |
| Retained Earnings | (0.04) | (0.04) | (0.05) | (0.06) | (0.06) | (0.07) | (0.08) | (0.08) | (0.09) | (0.10) | (0.10) | (0.11) | (0.11) | (0.12) |
| Total Stockholder Equity | 0.23 | 0.22 | 0.21 | 0.23 | 0.23 | 0.21 | 0.20 | 0.20 | 0.18 | 0.18 | 0.18 | 0.18 | 0.18 | 0.19 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 |
|---|
| Interest & Dividend Income | 39.58 | 37.03 | 37.64 | 37.72 | 36.15 | 33.98 | 34.17 | 33.56 | 32.62 | 30.89 | 27.98 | 26.38 | 24.28 | 22.38 | 20.60 | 18.48 | 16.68 | 15.34 | 15.03 |
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | -- | 15.31 | 15.73 | 13.60 | 12.36 | 10.11 | 6.38 | 3.73 | 1.70 | 1.04 | 0.96 | 0.96 |
| Net Interest Income | 24.39 | 22.05 | 22.21 | 21.27 | 21.03 | 19.11 | 19.36 | 18.11 | 17.31 | 15.16 | 14.38 | 14.02 | 14.17 | 16.00 | 16.87 | 16.77 | 15.64 | 14.38 | 14.08 |
| Provision for Credit Losses | 1.27 | 0.80 | 0.48 | 0.11 | 1.03 | 0.68 | 1.03 | 0.93 | 0.79 | 0.41 | 3.28 | 0.65 | 0.04 | 0.20 | 0.88 | 0.91 | 0.00 | (0.16) | -- |
| Non-interest Income | 3.56 | 4.15 | (4.18) | 3.68 | 3.37 | 3.72 | 3.63 | 3.44 | 3.21 | 2.46 | 1.33 | 2.16 | 1.85 | 2.07 | (0.12) | 1.79 | 1.62 | 1.95 | 2.64 |
| Non-interest Expense | 13.97 | 13.71 | 14.28 | 13.05 | 12.63 | 12.05 | 12.85 | 11.45 | 11.56 | 11.17 | 10.72 | 10.46 | 10.45 | 10.18 | 10.01 | 10.13 | 9.55 | 9.61 | 9.32 |
| Pretax Income | 12.71 | 11.69 | 3.27 | 11.81 | 10.74 | 10.10 | 9.10 | 9.16 | 8.18 | 6.04 | 3.51 | 5.07 | 5.53 | 7.69 | 5.85 | 7.52 | 7.00 | 6.71 | 7.40 |
| Tax Provision | 3.64 | 2.34 | 1.91 | 2.87 | 2.60 | 2.44 | 2.20 | 2.21 | 1.97 | 1.43 | 0.79 | 1.25 | 1.33 | 1.88 | 1.42 | 1.96 | 1.71 | 1.86 | 1.75 |
| Net Income | 9.08 | 9.35 | 1.36 | 8.94 | 8.14 | 7.66 | 6.90 | 6.95 | 6.21 | 4.61 | 2.72 | 3.82 | 4.20 | 5.81 | 4.43 | 5.56 | 5.30 | 4.85 | 5.65 |
| Basic EPS | 0.49 | 0.51 | 0.09 | 0.46 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Diluted EPS | 0.49 | 0.51 | 0.10 | 0.45 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
Cash Flow Statement
(in millions USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 |
|---|
| Operating Cash Flow | 24.65 | 15.28 | (10.01) | 20.15 | 18.04 | 14.63 | (3.05) | 11.22 | 17.90 | 8.03 | (5.98) | 8.34 | 11.19 | 9.00 | (2.02) | 11.46 | 14.50 | 5.60 |
| Capital Expenditures | 0.44 | 0.32 | 0.10 | 0.11 | 0.05 | 0.05 | 0.06 | 0.08 | 0.09 | 0.09 | 0.03 | 0.07 | 0.04 | 0.02 | 0.50 | 0.00 | 0.02 | 0.16 |
| Free Cash Flow* | 24.21 | 14.96 | (10.11) | 20.03 | 17.99 | 14.58 | (3.11) | 11.14 | 17.81 | 7.94 | (6.01) | 8.27 | 11.15 | 8.98 | (2.52) | 11.46 | 14.48 | 5.45 |
| Investing Cash Flow | (132.13) | (14.95) | (43.51) | (44.22) | (85.52) | (72.16) | (50.89) | (74.77) | (19.77) | (66.42) | (82.72) | (76.80) | (44.25) | (69.23) | (69.77) | (39.33) | (80.77) | (80.73) |
| Financing Cash Flow | 146.68 | 40.16 | 35.19 | 26.07 | 24.31 | 78.48 | 92.49 | 24.78 | (47.41) | 143.88 | 96.32 | 14.62 | 57.09 | 69.31 | 52.64 | 17.92 | 55.43 | 123.02 |
* Derived from reported values
Dividends Per Share
(USD)| Metric | Q2
2026 | Q1
2026 | Q3
2025 |
|---|
| Dividends Per Share | 0.13 | 0.13 | 0.10 |
