What does number of collateral dependent loans mean?

This metric counts the total number of loans where the repayment is expected to be provided substantially through the operation or sale of the underlying collateral. It highlights the bank's reliance on asset-based lending strategies rather than purely cash-flow-based underwriting. Monitoring this count helps investors understand the bank's exposure to specific asset classes like real estate or equipment.

USCB Financial Holdings, Inc. USCB Number Of Collateral Dependent Loans

Number Of Collateral Dependent Loans at other companies

Financial InstitutionsFISI

$50.29M+2.3%

Financial InstitutionsFISI

$6.19M+3.3%

Financial InstitutionsFISI

$44.1M+2.2%

Independent Bank CorporationIBCP

$19.7M+272%

Pioneer Bancorp, Inc.PBFS

$4.53M-38.7%

Valley National BankVLY

$184M+28.8%

Other financials

Income statement

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Revenue$26.2M+14.7%

Net income$9.4M+22.1%

EPS (diluted)$0.51+34.2%

Balance sheet

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Cash & equivalents$79.0M-19.4%

Total debt$4.8M-38.3%

Total equity$223.2M-0.8%

Total assets$2.8B+6.3%

Cash flow

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Operating cash flow$15.3M+4.4%

CapEx$320.0K+596%

Free cash flow$15.0M+2.6%

Valuation

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Market cap$363.27M+13.5%

Enterprise value$289.06M+25.8%

P/E13.1×+1.5×

P/S3.9×+0.2×

Profitability

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Net margin29.7%-1.8pp

FCF margin55.3%—

Returns & leverage

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Return on equity12.4%-0.8pp

Debt / equity0×0.0×

Where this comes from

Reported directly by USCB Financial Holdings, Inc. in its filing.

Tagged under the XBRL concept uscb:NumberOfCollateralDependentLoans.

The official record: USCB Financial Holdings, Inc.’s 10-K, filed March 13, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is USCB Financial Holdings, Inc.'s number of collateral dependent loans?: USCB Financial Holdings, Inc. (USCB) reported number of collateral dependent loans of 4 in Q4 2025.
What does number of collateral dependent loans mean?: This metric counts the total number of loans where the repayment is expected to be provided substantially through the operation or sale of the underlying collateral. It highlights the bank's reliance on asset-based lending strategies rather than purely cash-flow-based underwriting. Monitoring this count helps investors understand the bank's exposure to specific asset classes like real estate or equipment.