Uscb Financial Holdings, Inc. · NASDAQ:USCB
Uscb Financial — Q1 2026 Earnings Presentation
22 slides from Uscb Financial's earnings presentation, Apr 24, 2026
Slide 1: Earnings Presentation First Quarter 2026
EARNINGS PRESENTATION FIRST QUARTER 2026 NASDAQ: USCB 1
Slide 2: Forward-Looking Statements
FORWARD-LOOKING 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 1934, as amended. Forward-l
Slide 3: Q1 2026 Highlights
Q1 2026 HIGHLIGHTS Average deposits increased by $211.9 million or 9.6% compared to the first quarter 2025. Average loans increased $190.9 million or 9.6% compared to the first quarter 2025. Tangible book value per common share(1) at March 31, 2026, increased $1.00 or 8.9% to $12.23, compared to $11
Slide 4: Historical Financials
HISTORICAL FINANCIALS EOP for Balance Sheet amounts Loans (1) Deposits Total Stockholders’ Equity In millions In millions In millions $2,241 $223 $2,494 $114 $765 $820 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q1 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q1 2017 2018 2019 2020 2021 2022 2023 2
Slide 5: Financial Results
FINANCIAL RESULTS In thousands (except per share data) Q1 2026 Q4 2025 Q1 2025 Total Securities $427,091 $461,431 $436,929 Balance Total Loans (1) $2,241,051 $2,189,257 $2,036,212 Total Assets $2,845,735 $2,791,540 $2,677,382 Sheet Total Deposits $2,493,580 $2,345,080 $2,309,569 (EOP) Total Equity (
Slide 6: Key Performance Indicators
KEY PERFORMANCE INDICATORS In thousands (except for TBV/share and ratios) Q1 2026 Q4 2025 Q1 2025 Total Assets (EOP) $2,845,735 $2,791,540 $2,677,382 Total Loans (EOP) (1) $2,241,051 $2,189,257 $2,036,212 Total Deposits (EOP) $2,493,580 $2,345,080 $2,309,569 GROWTH Tangible Book Value/Share (2)(3)(4
Slide 7: Deposit Portfolio
DEPOSIT PORTFOLIO Deposits AVG In millions Commentary $2,457 $2,453 $2,427 Average deposits totaled $2.4 billion, $2,291 $2,215 reflecting a slight decrease from the $570 $596 $585 prior quarter and an increase of $563 $580 $211.9 million compared to the first quarter of 2025. EOP total deposits inc
Slide 8: Loan Portfolio
LOAN PORTFOLIO Total Loans (AVG) Commentary In millions 6.16% 6.11% $2,100 6.17% 6.23% 6.21% 7.00% Average loans increased $46.8 $1,900 6.00% million or 8.91% annualized $1,700 5.00% compared to prior quarter and $190.9 million or 9.6% compared to $1,500 $2,178 4.00% first quarter 2025. $1,300 $2,05
Slide 9: Loan Production
LOAN PRODUCTION Net Loan Production Trend Loan Composition Trend EOP (1) In millions, except for ratios In millions, except for ratios $2,234 $250 7.12% 7.50% 6.67% 16% 7.00% $200 6.43% 5.93% 6.50% 5.87% 6.00% $150 5.50% $948 56% $188 5.00% $100 $187 $196 28% $182 4.50% $132 $137 $136 $119 $110 $113
Slide 10: Net Interest Margin
NET INTEREST MARGIN Net Interest Income/Margin (1) Commentary In thousands (except ratios) $25,000 3.28% 3.14% 3.27% 3.27% 3.50% Q1 2026 net interest income and 3.10% margin were impacted by the 3.00% $20,000 following factors: 2.50% $15,000 2.00% - Net interest income was slightly lower during the
Slide 11: Asset Quality
ASSET QUALITY Allowance for Credit Losses Commentary In thousands (except ratios) Allowance for credit losses increased $602 thousand compared to prior 28,000 1.25% 1.22% 1.16% quarter and $1.4 million compared to 26,000 1.16% 1.18% 1.17% 1.20% first quarter 2025. 24,000 22,000 1.15% ACL coverage ra
Slide 12: Non-Interest Income
NON-INTEREST INCOME In thousands (except ratios) Q1 2026 Q4 2025 Q3 2025 Q2 2025 Q1 2025 Total service fees $3,100 $2,209 $2,661 $ 2,402 $2,331 Wire fees $623 $656 $647 $604 $570 Swap fees $1,554 $449 $790 $428 $93 Other $923 $1,104 $1,224 $1,370 $1,668 Gain (loss) on sale of securities available fo
Slide 13: Non-Interest Expense
NON-INTEREST EXPENSE In thousands (except ratios) Q1 2026 Q4 2025 Q3 2025 Q2 2025 Q1 2025 Salaries and employee benefits $8,570 $8,668 $7,909 $7,954 $7,636 Occupancy 1,316 1,327 1,382 1,337 1,284 Regulatory assessments and fees 484 443 377 396 421 Consulting and legal fees 561 900 585 263 193 Networ
Slide 14: Capital
CAPITAL Capital Ratios (1) Q3 Q1 2025 2026 Q4 2025 Q1 2025 Well- Capitalized Leverage Ratio 8.61% 8.46% 9.61% 5.00% TCE/TA (2) 7.84% 7.78% 8.41% NA Tier 1 Risk- Based Capital 11.09% 10.92% 12.48% 8.00% Total Risk- 14.09% 13.91% 13.72% 10.00% Based Capital AOCI ($31.3) ($30.3) ($41.1) In Millions Com
Slide 15: Takeaways
TAKEAWAYS 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, commercially oriented loan portfolio Demonstrated profitability pr
Slide 16: Appendix - Non-GAAP Reconciliation
APPENDIX - NON-GAAP RECONCILIATION In thousands (except ratios) 16
Slide 17: Appendix - Non-GAAP Reconciliation
APPENDIX - NON-GAAP RECONCILIATION In thousands (except ratios and share data) 17
Slide 18: Appendix - Business Verticals
APPENDIX - BUSINESS VERTICALS Differentiated Banking Product Offerings and Services Private Client Group (1) Yacht Lending Association Banking $330MM Deposits $202MM Loans $160MM Deposits / $126MM Loans ▪ Deposit aggregating focus/strategy. ▪ Yacht financing for larger vessels, ▪ Deposit aggregating
Slide 19: Appendix - Loan Portfolio Mix
APPENDIX - LOAN PORTFOLIO MIX Loan Portfolio Mix (1) Commentary Total loan balance at quarter end was Residential real estate 9% $2,234 million (4). 16% 6% CRE - Owner occupied Commercial Real Estate (owner 8% occupied and non-owner occupied) CRE - Non-owner occupied 13% was 56.4% or $1,260 million
Slide 20: Appendix - Securities Portfolio
APPENDIX - SECURITIES PORTFOLIO EOP for Balance Sheet amounts, in millions Commentary Portfolio Composition Securities portfolio totaled $427.1 million; 64.9% of the portfolio is classified as AFS, while 35.1% is 3% classified as HTM. 1%2% CMO 5% The modified duration is 5.2 and the average life is
Slide 21: Appendix - Interest Rate Sensitivity
APPENDIX - INTEREST RATE SENSITIVITY Loan Portfolio Repricing Profile Loan Repricing Schedule by Rate Type Variable/Hybrid Rate Loans Hybrid ARM 4% 8% 21% 37% Variable Rate Fixed Rate 59% 9% 54% 37% 55% 16% Prime CMT SOFR 0-1 yrs. 1-2 yrs. 2-3 yrs >3 yrs. Static NII Simulation Year 1 & 2 $5,000 Year
Slide 22: 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 22
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