Uscb Financial Holdings, Inc. · NASDAQ:USCB
Uscb Financial — Q2 2026 Earnings Presentation
23 slides from Uscb Financial's earnings presentation, Jul 24, 2026
Slide 1: Earnings Presentation Second Quarter 2026
EARNINGS PRESENTATION SECOND QUARTER 2026 NASDAQ: USCB
Slide 2: Forward-Looking Statements
FORWARD-LOOKING FORWARD-LOOKINGSTATEMENTS STATEMENTS This presentation may contain statements that are not historical in nature and are intended to be, and are hereby identified as, forward-looking statements for purposes of the safe harbor provided by Section 21E of the Securities Exchange Act of 1
Slide 3: Q2 2026 Highlights
Q2 2026 HIGHLIGHTS - Strong Earnings Growth Driven by Loan Production & Margin Expansion • EOP assets surpassed $3.0 billion. • Average loans increased $81.2 million or 15.0% annualized over Q1. • Average deposit increased $61.9 million or 10.2% annualized from Q1. • Average DDA increased $47.4 mill
Slide 4: Historical Financials – Consistent Growth, Profitability and Credit Discipline
HISTORICAL FINANCIALS – Consistent Growth, Profitability and Credit Discipline EOP for Balance Sheet amounts Loans (1) Deposits Total Stockholders’ Equity In millions $2,322 In millions In millions $233 $2,452 $114 $765 $820 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q2 2017 2018 2019 2020 2021 20
Slide 5: Differentiated Franchise Driving Consistent Performance
DIFFERENTIATED FRANCHISE DRIVING CONSISTENT PERFORMANCE Attractive Market Relationship-Driven Model South Florida franchise positioned in dynamic and growing markets. Local decision-making with direct access to experienced bankers. Commercially attractive footprint Faster execution than larger insti
Slide 6: Financial Results
FINANCIAL RESULTS – Strong Operating Performance Driven by Balance Sheet Growth In thousands (except per share data) Q2 2026 Q1 2026 Q2 2025 Total Securities $468,986 $427,091 $444,122 Balance Total Loans (1) $2,322,385 $2,241,051 $2,113,318 Total Assets $3,019,701 $2,845,735 $2,719,474 Sheet Total
Slide 7: Key Performance Indicators
KEY PERFORMANCE INDICATORS - Profitable Growth Driving Shareholder Value In thousands (except for TBV/share and ratios) Q2 2026 Q1 2026 Q2 2025 Total Assets (EOP) $3,019,701 $2,845,735 $2,719,474 Total Loans (EOP) (1) $2,322,385 $2,241,051 $2,113,318 Total Deposits (EOP) $2,452,271 $2,493,580 $2,335
Slide 8: Deposit Portfolio
DEPOSIT PORTFOLIO – DDA Above $600MM Drives Lower Deposit Costs and Margin Expansion Deposits AVG Commentary In millions Average DDA deposits increased by $2,457 $2,453 $2,427 $2,489 $2,291 $47.4 million or 32.5% annualized compared to prior quarter. $1,887 $1,857 $1,842 $1,857 Average deposits tota
Slide 9: Loan Portfolio
LOAN PORTFOLIO – Loan Growth Momentum Positions USCB for Sustained Performance Total Loans (AVG) Commentary In millions 6.16% 6.11% 6.20% 7.00% Average loans increased $81.2 million or 6.21% $2,100 6.23% 14.96% annualized compared to prior $1,900 6.00% quarter and $201.5 million or 9.8% $1,700 5.00%
Slide 10: Loan Production
LOAN PRODUCTION – Record Quarterly Loan Production of $272 Million Net Loan Production Trend Loan Composition Trend EOP (1) In millions, except for ratios In millions, except for ratios $2,317 $300 7.12% 7.50% 15% $250 6.43% 6.60% 5.93% 5.90% $200 5.87% 5.70% 57% $272 28%$948 $150 4.80% 28% $100 $18
Slide 11: Net Interest Margin
NET INTEREST MARGIN – NIM Driven by Loan Growth and Stable Funding Cost Net Interest Income/Margin (1) Commentary In thousands (except ratios) 3.49% 30,000 4.00% Net interest income increased $2.3 3.27% 3.27% 25,000 3.28% 3.14% 3.50% million or 42.6% annualized compared to 3.00% prior quarter and $3
Slide 12: Asset Quality
ASSET QUALITY – Exceptional Credit Quality Supports Sustainable Growth Allowance for Credit Losses Commentary In thousands (except ratios) 28,000 1.25% The allowance for credit losses had a net 26,000 1.20% increase of $599 thousand from the prior 24,000 quarter, as reserves built for loan growth 22
Slide 13: Non-Interest Income
NON-INTEREST INCOME - Diversified Fee Income Provides Consistent Revenue Contribution In thousands (except ratios) Q2 2026 Q1 2026 Q4 2025 Q3 2025 Q2 2025 Total service fees $2,601 $3,100 $2,209 $2,661 $ 2,402 Wire fees $618 $623 $656 $647 $604 Swap fees $572 $1,554 $449 $790 $428 Other $1,411 $923
Slide 14: Non-Interest Expense
NON-INTEREST EXPENSE - Expense Management Supports Operating Leverage In thousands (except ratios) Q2 2026 Q1 2026 Q4 2025 Q3 2025 Q2 2025 Salaries and employee benefits $8,537 $8,570 $8,668 $7,909 $7,954 Occupancy 1,369 1,316 1,327 1,382 1,337 Regulatory assessments and fees 397 484 443 377 396 Con
Slide 15: Capital
CAPITAL - Strong Capital Levels Support Continued Organic Growth Capital Ratios (1) Q3 Q2 2025 2026 Q1 2026 Q2 2025 Well- Capitalized Leverage Ratio 8.81% 8.61% 9.72% 5.00% TCE/TA (2) 7.72% 7.84% 8.52% NA Tier 1 Risk- Based Capital 11.01% 11.09% 12.52% 8.00% Total Risk- 13.88% 14.09% 13.73% 10.00% B
Slide 16: Takeaways
TAKEAWAYS - Attractive Franchise Positioned for Continued Growth 1 Leading franchise located in one of the most attractive banking markets in U.S. 2 Scarcity value in the Miami MSA 3 Robust capital position with regulatory ratios well in excess of “well capitalized” threshold 4 Low risk, commerciall
Slide 17: Appendix – Non-GAAP Reconciliation
APPENDIX – NON-GAAP RECONCILIATION In thousands (except ratios) As of or For the Three Months Ended 6/30/2026 3/31/2026 12/31/2025 9/30/2025 6/30/2025 Pre-tax pre-provision ("PTPP") incom e: (1) Net income $ 9,078 $ 9,351 $ 1,363 $ 8,939 $ 8,140 Plus: Income tax expense 3,636 2,335 1,911 2,866 2,599
Slide 18: Appendix – Non-GAAP Reconciliation
APPENDIX – NON-GAAP RECONCILIATION In thousands (except ratios and share data) 18
Slide 19: Appendix – Business Verticals
APPENDIX – BUSINESS VERTICALS Differentiated Banking Product Offerings and Services Private Client Group (1) Yacht Lending Association Banking $328MM Deposits $203MM Loans $165MM Deposits / $135MM Loans ▪ Deposit aggregating focus/strategy. ▪ Yacht financing for larger vessels, ▪ Deposit aggregating
Slide 20: Appendix – Loan Portfolio Mix
APPENDIX – LOAN PORTFOLIO MIX Loan Portfolio Mix (1) Commentary Total loan balance at quarter end was Residential real estate 9% $2,317 million (4). 15% 6% CRE - Owner occupied Commercial Real Estate (owner occupied and non-owner occupied) was CRE - Non-owner occupied 13% 9% 56.7% or $1,314 million
Slide 21: Appendix – Securities Portfolio
APPENDIX – SECURITIES PORTFOLIO EOP for Balance Sheet amounts, in millions Commentary Portfolio Composition Securities portfolio totaled $469.0 million; 71.0% of 3% the portfolio is classified as AFS, while 29.0% is 4% 1% classified as HTM. CMO 6% 25% MBS The modified duration is 5.3 and the average
Slide 22: Appendix – Interest Rate Sensitivity
APPENDIX – INTEREST RATE SENSITIVITY Loan Portfolio Repricing Profile Loan Repricing Schedule by Rate Type Variable & Hybrid Rate Loans Hybrid ARM $114MM $85MM $535MM 4% 8% $387MM 27% 36% $794MM Variable Rate Variable & $1,381MM Hybrid Fixed Rate $2,317MM 59% $1,466MM 54% $851MM Rate Loans 8% 37% 56
Slide 23: Contact Information
CONTACT INFORMATION LOU DE LA AGUILERA ROB ANDERSON Chairman, President & CEO EVP, Chief Financial Officer (305) 715-5186 (305) 715-5393 laguilera@uscentury.com rob.anderson@uscentury.com INVESTOR RELATIONS InvestorRelations@uscentury.com 23
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