USCB Financial Holdings, Inc. (USCB) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

All participants will be in a listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star and then one on your touchtone phones. To withdraw your questions, you may press star and two. Please also note, today's event is being recorded. At this time, I would like to turn the conference over to Lou 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 commence on slide three. 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. Loans grew by $216 million, or 11%, reflecting strong commercial activity and disciplined underwriting. Deposits increased $171 million, or 7.9%, demonstrating continued franchise growth and decline relationships. Net interest income expanded to 3.27%, improving from 3.16% in the prior year. Credit quality remains excellent, with non-performing loans at 0.14% of total loans. Tangible book value per share increased 10.8% year-over-year to 11.97%. These metrics affirm that our business model remains sound and that the bank continues to execute consistently across all major areas, profitability, balance she...