USCB Financial Holdings Inc., the holding company for U.S. Century Bank, reported record results for the second quarter of 2025. The company's net income for the three months ended June 30, 2025, was $8.1 million, or $0.40 per fully diluted share, an increase from $6.2 million, or $0.31 per share, in the same period of 2024. This denotes a significant rise in earnings per share. The company achieved an annualized return on average assets of 1.22% for the quarter, up from 1.01% in the second quarter of 2024. The annualized return on average stockholders' equity was reported at 14.29%, an improvement from 12.63% in the same period the previous year. USCB Financial Holdings also reported a net interest margin of 3.28% for the quarter, an increase from 2.94% in the second quarter of 2024. Net interest income before provision for credit losses rose to $21.0 million, marking an increase of $3.7 million or 21.5% compared to $17.3 million in the same period last year. The efficiency ratio improved to 51.77% from 56.33% a year earlier. The company attributes these results to healthy loan growth and disciplined deposit pricing, with a focus on sustaining momentum while managing risk and capital allocation to deliver long-term shareholder value.