In short. In its 2025 annual report, Uscb Financial Holdings, Inc. mentions AI in 11 passages. It lists AI as a risk, but the report does not say how AI is controlled. Compared with banks of its size, it gives more detail than most.
In the 2025 annual reportThe yearly report a listed company files with the SEC, called a 10-K. It describes the business, its risks and its results.
Mentions AI
Yes
11 passages
Highest detail levelHow specific a passage is about AI at this bank. General: could be in any bank's report. Names an area: says where AI is used or how it is controlled. Concrete example: names a tool or vendor, gives a number, a date or a result.
Names an area
What it says
Sees AI as a risk; Standard wording or passing mention; General statement about AI
Kinds of AI named
AI agents, Machine learning
How AI is controlled
Not described
AI in its annual reports over time
What this shows
How many passages about AI each annual report contains, 2022 to 2025, by what they say.
What it means
0 passages in 2022, 11 passages in 2025.
How to read it
Each bar is a report year, split by what the passages say. Hover or tap a bar for the count.
Where it comes from
Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
Passages about AI in Uscb Financial Holdings, Inc.'s annual reports, by report year.Show as a table
Report year
Using or planning AI
Explains how AI is controlled
Sees AI as a risk
Other mentions
2022
2022
2022
2022
2023
2023
2023
2023
2024
2024
2024
2024
2025
2025
2025
2025
Compared with banks of its size
What this shows
This bank's 2025 annual report next to all 221 banks of its size ($1B to $50B).
What it means
Its most specific passage is "Names an area"; for banks of its size the typical level is "General".
How to read it
Yes or no for this bank; the share of banks of the same size for comparison.
Where it comes from
Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
In the 2025 report
This bank
Banks of its size
Using AI now
No
26 of 221 (12%)
Explains how AI is controlled
No
55 of 221 (25%)
Sees AI as a risk
Yes
184 of 221 (83%)
Mentions generative AI
No
112 of 221 (51%)
Mentions AI agents
Yes
18 of 221 (8%)
What changed from 2024
5 passages new in the 2025 report, 0 passages from the 2024 report no longer there.
Every passage about AI
What this shows
All 20 passages about AI in this bank's annual reports, quarterly reports and earnings materials since 2023, newest first.
What it means
1 passage say the bank is using AI now.
How to read it
Highlighted words are the terms that matched. Labels show what each passage says. Follow the link to read it in the filing.
Where it comes from
Banks' annual reports (10-K), quarterly reports (10-Q) and earnings materials (8-K) filed with the SEC. How we did this
Investor presentation, Q3 2026 filed 28 Jul 2026
APPENDIX – TECHNOLOGY SUPPORT 2022 "Remote Account Opening October ‘21 – March ‘22" "Secureworks MXDR platform Feb ‘22 – July 22’" Ring Central call reporting October ‘22 – March ‘23 2023 "Loan origination system June ‘22 – May ‘23" FED Now payments January ‘23 – October ‘23 2024 Pidgin real time payments January ‘23 – October ‘23 Check fraud application 2025 - 2026 CRM system Zelle for Small Business Financial reporting application Microsoft CoPilot GenAI ACH Positive Pay/ACH Alert Account analysis solution Crowd Strike Solution Power Automate front end automation Commercial Account Opening PBX (SaaS) – Teams Calling November ‘23– April ‘25 Wire fraud application Ascent LOS front end Cloud (Iaas) for DR environment July ‘23 – May ‘25 Perplexity Pro AI (Enterprise) AFS ACH Positive Pay Retina wire & ACH Fraud Solution 29
Using AI nowDetail: Concrete exampleGenerative AIProcess automationFraud detectionOperationsEmployee productivityMicrosoft CoPilotPerplexity Pro AI (Enterprise)New this periodNew since the annual report