USCB Financial Appoints Sergio Garrido as Chief Credit Officer
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jun 01 2026
0mins
USCB Financial announced that Sergio Garrido has been appointed senior VP and chief credit officer of the bank, effective July 6. "Sergio's deep institutional knowledge, strong credit judgment, and proven leadership make him well prepared to assume the role of Chief Credit Officer," said Luis de la Aguilera, chairman, president and CEO.
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Analyst Views on USCB
Wall Street analysts forecast USCB stock price to rise
2 Analyst Rating
2 Buy
0 Hold
0 Sell
Moderate Buy
Current: 19.090
Low
21.00
Averages
22.00
High
23.00
Current: 19.090
Low
21.00
Averages
22.00
High
23.00
About USCB
USCB Financial Holdings, Inc. is the bank holding company for U.S. Century Bank (the Bank). The Bank offers customers a wide range of financial products and services and supports numerous community organizations, including the Greater Miami Chamber of Commerce, the South Florida Hispanic Chamber of Commerce, and ChamberSouth. The Bank focuses on serving small-to-medium sized businesses (SMBs) and catering to the needs of local business owners, entrepreneurs and professionals in South Florida. In addition to its traditional commercial banking services, it also offers certain specialty banking products, services and solutions designed for small businesses, homeowner associations, law firms, medical practices and other professional services firms, and global banking services. Its specialty banking offerings include small business administration (SBA) lending, yacht lending, homeowner association services, and jurist advantage and private client group services, among others.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
USCB Financial Appoints New Chief Credit Officer
- Executive Appointment: USCB Financial Holdings announced that Sergio E. Garrido will become the Chief Credit Officer of U.S. Century Bank effective July 6, 2026, succeeding the retiring William Turner, ensuring continuity in the bank's credit culture and development.
- Experienced Leader: Garrido brings over 15 years of experience in commercial credit and credit risk management, including more than 11 years at U.S. Century Bank, where he previously served as Director of Credit Underwriting, leading the credit team to strengthen the bank's credit portfolio.
- IPO Support: Garrido played a crucial role during the bank's initial public offering in 2021, showcasing his key position in the company's evolution and further solidifying his leadership role within the organization.
- Strategic Succession Planning: This appointment reflects USCB's commitment to developing talent from within, as Garrido's leadership will ensure continuity in credit decision-making and strategic initiatives, fostering the growth of the next generation of leaders.
See More
USCB Financial Holdings Elects New Independent Director
- Director Election: USCB Financial Holdings elected Ramon M. Rodriguez as an independent director during the shareholder meeting on May 26, 2026, which signifies an enhancement in corporate governance and is expected to strengthen the company's competitive position in the South Florida market.
- Extensive Industry Experience: With nearly 40 years in the South Florida financial services sector, Rodriguez previously served as Market President for Seacoast Bank, successfully guiding the bank into the Miami-Dade market, showcasing his capability in market expansion.
- Asset Growth Contribution: As President of Apollo Bank, Rodriguez led the institution's asset growth from approximately $700 million to over $1.1 billion, demonstrating exceptional leadership in commercial operations and asset management, which is anticipated to bring similar growth potential to USCB.
- Community Engagement: Rodriguez has been actively involved in community affairs, serving on various boards, which reflects his commitment to social responsibility and is likely to enhance USCB's brand image and customer loyalty.
See More
U.S. Century Bank (USCB.US) Director Plans to Sell $3.38 Million in Common Stock via Form 144
- Company Announcement: Luis Aguilera, the director of U.S. Century Bank (USCB), plans to sell 182.57K shares of its common stock.
- Market Value: The total market value of the shares to be sold is approximately $3.38 million.
- Sale Date: The sale is scheduled to take place on May 1.
- Stock Details: The shares are part of the bank's common stock offerings.
See More
USCB Financial Holdings Reports Record Q1 2026 Earnings
- Strong Performance: USCB Financial Holdings reported a net income of $9.4 million for Q1 2026, translating to $0.51 per diluted share, which underscores the company's robust core earnings and disciplined balance sheet execution, further solidifying its market position.
- Deposit Growth: As of March 31, 2026, USCB's deposits in Association Banking, Private Client Group, and Correspondent Banking reached $747 million, accounting for 30% of total deposits, reflecting a $62 million quarter-over-quarter increase and indicating sustained expansion in deposit business.
- Loan Production: The total loan production for the quarter was $188 million, with 60% closing in March, demonstrating the company's active engagement in lending, although management expressed caution regarding future interest rate volatility that may impact deposit costs.
- Strategic Expansion: USCB plans to open 2 to 4 new branches in Broward and Palm Beach counties over the next three years, aiming to support business growth through increased physical presence, while management's cautious stance on not anticipating near-term rate cuts shows adaptability to market conditions.
See More
U.S. Century Bank Q1 Earnings Exceed Expectations
- Earnings Beat: U.S. Century Bank reported a Q1 GAAP EPS of $0.51, surpassing expectations by $0.04, indicating a sustained improvement in profitability and resilience in the current economic environment.
- Significant Revenue Growth: The bank's revenue reached $26.2 million in Q1, reflecting a 14.8% year-over-year increase, exceeding expectations by $0.25 million, which highlights steady business expansion and a growing customer base, thereby boosting market confidence.
- Quant Rating Insights: Seeking Alpha's quant rating on U.S. Century Bank underscores its competitive position within the financial sector, potentially attracting more investor interest and driving stock price appreciation.
- Historical Performance Review: Historical earnings data for U.S. Century Bank indicates stable performance over recent quarters, with ongoing profitability laying a solid foundation for future shareholder returns and enhancing investor confidence.
See More
USCB Financial Holdings Declares Quarterly Cash Dividend
- Quarterly Cash Dividend: USCB Financial Holdings' Board of Directors declared a cash dividend of $0.125 per share of Class A common stock, payable on June 5, 2026, reflecting the company's stable financial position and commitment to shareholder returns.
- Record Date for Shareholders: The dividend will be paid to shareholders of record as of the close of business on May 15, 2026, ensuring timely distribution of shareholder benefits and enhancing investor confidence.
- Company Background: USCB Financial Holdings is the holding company for U.S. Century Bank, established in 2002, and is one of the largest community banks headquartered in Miami, rated 5-Stars by BauerFinancial, indicating its robustness and credibility in the financial services sector.
- Community Support: As a major community bank, USCB Financial Holdings actively supports various community organizations, including the Greater Miami Chamber of Commerce and the South Florida Hispanic Chamber of Commerce, demonstrating its contribution to the local economy and social responsibility.
See More
USCB Financial Appoints New Chief Credit Officer
- Executive Appointment: USCB Financial Holdings announced that Sergio E. Garrido will become the Chief Credit Officer of U.S. Century Bank effective July 6, 2026, succeeding the retiring William Turner, ensuring continuity in the bank's credit culture and development.
- Experienced Leader: Garrido brings over 15 years of experience in commercial credit and credit risk management, including more than 11 years at U.S. Century Bank, where he previously served as Director of Credit Underwriting, leading the credit team to strengthen the bank's credit portfolio.
- IPO Support: Garrido played a crucial role during the bank's initial public offering in 2021, showcasing his key position in the company's evolution and further solidifying his leadership role within the organization.
- Strategic Succession Planning: This appointment reflects USCB's commitment to developing talent from within, as Garrido's leadership will ensure continuity in credit decision-making and strategic initiatives, fostering the growth of the next generation of leaders.
See More
USCB Financial Holdings Elects New Independent Director
- Director Election: USCB Financial Holdings elected Ramon M. Rodriguez as an independent director during the shareholder meeting on May 26, 2026, which signifies an enhancement in corporate governance and is expected to strengthen the company's competitive position in the South Florida market.
- Extensive Industry Experience: With nearly 40 years in the South Florida financial services sector, Rodriguez previously served as Market President for Seacoast Bank, successfully guiding the bank into the Miami-Dade market, showcasing his capability in market expansion.
- Asset Growth Contribution: As President of Apollo Bank, Rodriguez led the institution's asset growth from approximately $700 million to over $1.1 billion, demonstrating exceptional leadership in commercial operations and asset management, which is anticipated to bring similar growth potential to USCB.
- Community Engagement: Rodriguez has been actively involved in community affairs, serving on various boards, which reflects his commitment to social responsibility and is likely to enhance USCB's brand image and customer loyalty.
See More
U.S. Century Bank (USCB.US) Director Plans to Sell $3.38 Million in Common Stock via Form 144
- Company Announcement: Luis Aguilera, the director of U.S. Century Bank (USCB), plans to sell 182.57K shares of its common stock.
- Market Value: The total market value of the shares to be sold is approximately $3.38 million.
- Sale Date: The sale is scheduled to take place on May 1.
- Stock Details: The shares are part of the bank's common stock offerings.
See More
USCB Financial Holdings Reports Record Q1 2026 Earnings
- Strong Performance: USCB Financial Holdings reported a net income of $9.4 million for Q1 2026, translating to $0.51 per diluted share, which underscores the company's robust core earnings and disciplined balance sheet execution, further solidifying its market position.
- Deposit Growth: As of March 31, 2026, USCB's deposits in Association Banking, Private Client Group, and Correspondent Banking reached $747 million, accounting for 30% of total deposits, reflecting a $62 million quarter-over-quarter increase and indicating sustained expansion in deposit business.
- Loan Production: The total loan production for the quarter was $188 million, with 60% closing in March, demonstrating the company's active engagement in lending, although management expressed caution regarding future interest rate volatility that may impact deposit costs.
- Strategic Expansion: USCB plans to open 2 to 4 new branches in Broward and Palm Beach counties over the next three years, aiming to support business growth through increased physical presence, while management's cautious stance on not anticipating near-term rate cuts shows adaptability to market conditions.
See More
U.S. Century Bank Q1 Earnings Exceed Expectations
- Earnings Beat: U.S. Century Bank reported a Q1 GAAP EPS of $0.51, surpassing expectations by $0.04, indicating a sustained improvement in profitability and resilience in the current economic environment.
- Significant Revenue Growth: The bank's revenue reached $26.2 million in Q1, reflecting a 14.8% year-over-year increase, exceeding expectations by $0.25 million, which highlights steady business expansion and a growing customer base, thereby boosting market confidence.
- Quant Rating Insights: Seeking Alpha's quant rating on U.S. Century Bank underscores its competitive position within the financial sector, potentially attracting more investor interest and driving stock price appreciation.
- Historical Performance Review: Historical earnings data for U.S. Century Bank indicates stable performance over recent quarters, with ongoing profitability laying a solid foundation for future shareholder returns and enhancing investor confidence.
See More
USCB Financial Holdings Declares Quarterly Cash Dividend
- Quarterly Cash Dividend: USCB Financial Holdings' Board of Directors declared a cash dividend of $0.125 per share of Class A common stock, payable on June 5, 2026, reflecting the company's stable financial position and commitment to shareholder returns.
- Record Date for Shareholders: The dividend will be paid to shareholders of record as of the close of business on May 15, 2026, ensuring timely distribution of shareholder benefits and enhancing investor confidence.
- Company Background: USCB Financial Holdings is the holding company for U.S. Century Bank, established in 2002, and is one of the largest community banks headquartered in Miami, rated 5-Stars by BauerFinancial, indicating its robustness and credibility in the financial services sector.
- Community Support: As a major community bank, USCB Financial Holdings actively supports various community organizations, including the Greater Miami Chamber of Commerce and the South Florida Hispanic Chamber of Commerce, demonstrating its contribution to the local economy and social responsibility.
See More
