HIGHBuilt-inLoan_portfolio
71.1%
real estate secured loans
“10-K Item 1A: 'At December 31, 2025, approximately $1.55 billion, or 71.1%, of our total loan portfolio, was secured by real estate, in particular commercial real estate'”
USCB · Concentration risk · 10-K extracted
USCB Financial Holdings (USCB) concentration risks
Updated
The most significant concentration USCB Financial Holdings discloses is real estate secured loans at 71.1%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: USCB Financial Holdings’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH3
MEDIUM0
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inGeographic
Miami metropolitan statistical area
“10-K Item 1: 'Our largest concentration is in the Miami metropolitan statistical area; however, we are also focused on growth in other urban Florida markets'”
HIGHBuilt-inRegulatory
FDIC and Florida Office of Financial Regulation
“10-K Item 1: 'the Bank is subject to ongoing and comprehensive supervision, regulation, examination, and enforcement by the FDIC and the Florida Office of Financial Regulation ("FOFR")'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-08-09USCB Financial's concentration profile centers on loan portfolio composition, geography, and regulatory oversight, with all three disclosed exposures sized as high-share. As of December 31, 2025, approximately $1.55 billion, or 71.1%, of the total loan portfolio was secured by real estate, in particular commercial real estate — a high-share structural exposure that ties asset quality closely to real estate market conditions rather than to a diversified lending mix. Geographically, the bank's largest concentration is in the Miami metropolitan statistical area, a high-share structural exposure, though the filing notes the company is also focused on growth in other urban Florida markets. Both exposures compound each other: a downturn in South Florida commercial real estate specifically would touch both the asset composition and the geographic footprint at once. Separately, the bank is subject to ongoing and comprehensive supervision, regulation, examination, and enforcement by the FDIC and the Florida Office of Financial Regulation, a high-share structural exposure of a different kind — regulatory rather than market-driven, reflecting how closely tied a community bank's operations are to its supervisors' judgment. None of these three exposures is counterparty-specific; each is a structural feature of operating as a real-estate-heavy, Florida-concentrated, federally and state-regulated bank.
For the engine’s reasoning on USCB’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| USCB● | USCB Financial Holdings, Inc. | 3 | 0 | 0 | 3 |
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.