Uscb Financial Holdings, Inc. · NASDAQ:USCB
Uscb Financial — Q2 2026 Earnings Presentation
32 slides from Uscb Financial's earnings presentation, Jul 28, 2026
Slide 1: USCB Financial Holdings Investor Presentation Second Quarter 2026
Exhibit 99.1 SUCB FINANCIAL HOLDINGS INVESTOR PRESENTATION SECOND QUARTER 2026 NASDAQ: USCB
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: Table of Contents
TABLE OF CONTENTS 1. Who We Are 2. Growth Strategy 3. Financial Review 4. Appendix 3
Slide 4: We Are a Relationship-First Bank
WE ARE A RELATIONSHIP-FIRST BANK Company Overview Founded in 2002, U.S. Century Bank is a state-chartered bank headquartered in South Florida. 8th largest Florida headquartered bank by deposits in Miami Dade County as of June 30, 2025. (1) Its holding company formed in December 2021, USCB Financial
Slide 5: Located in a Vibrant Economy
LOCATED IN A VIBRANT ECONOMY Florida is one of the largest business markets in the country #2 in the U.S. for SBA loan production (6,302 loans) and #3 in SBA lending volume ($3.2B) in 2025 (1) Ranked #3 best state for business (CNBC, July 2025) (2) Investment activity is supported by EB-5 programs a
Slide 6: Seasoned Management
SEASONED MANAGEMENT Luis de la Aguilera Chairman, President & CEO Previously President & CEO of TotalBank 42+ years in banking Rob Anderson Chief Financial Officer Previously CFO of Capstar Financial Holdings 20+ years in banking Oscar Gomez Head of Global Banking Division Previously at Regions Bank
Slide 7: Accomplished Board of Directors
ACCOMPLISHED BOARD OF DIRECTORS Luis de la Aguilera Chairman, President & CEO Previously President & CEO of TotalBank Director since 2016 Aida Levitan Board Member President the Levitan Group Director since 2013 Howard Feinglass Board Member Managing Partner, Priam Capital Director since 2015 Ramon
Slide 8: Our Strategy
OUR STRATEGY Organic Loan Growth: Take advantage of platform that we have developed post 2015 recapitalization, capitalize on fragmented Miami-Dade MSA community banking market, and continue to build market share Capitalize on inherent advantages over smaller community banks which lack our product e
Slide 9: Business Verticals
BUSINESS VERTICALS Differentiated Banking Product Offerings and Services Private Client Group (1) $328MM Deposits Deposit aggregating focus/strategy. Tailored products & services for professionals, professional firms, business owners, and affluent individuals and their families. PCG also provides co
Slide 10: Deposit Aggregating Verticals
DEPOSIT AGGREGATING VERTICALS Deposits Trend (EOP) In millions $88 $229 $312 $352 $446 $492 $626 $686 $738 $48 $129 $138 $154 $177 $200 $265 $235 $245 $10 $38 $77 $68 $97 $112 $125 $146 $165 $30 $62 $97 $130 $172 $180 $236 $305 $328 2018 2019 2020 2021 2022 2023 2024 2025 Q2 2026 PCG HOA Correspondi
Slide 11: Q2 2026 Highlights
Q2 2026 HIGHLIGHTS - Strong Earnings Growth Driven by Loan Production & Margin Expansion GROWTH 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% annualize d from Q1. Average DDA increased $47.4 mill
Slide 12: Historical Financials
HISTORICAL FINANCIALS – Consistent Growth, Profitability and Credit Discipline Loans In millions $765 $2,322 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q2 2026 EOP for Balance Sheet amounts In millions $820 $2,452 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q2 2026 Total Stockholders’ Equity In m
Slide 13: Financial Results
FINANCIAL RESULTS – Strong Operating Performance Driven by Balance Sheet Growth Balance Sheet (EOP) Income In thousands (except per share data) Statement Q2 2026 Q1 2026 Q2 2025 Total Securities $468,986 $427,091 $444,122 Total Loans (1) $2,322,385 $2,241,051 $2,113,318 Total Assets $3,019,701 $2,84
Slide 14: 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 GROWTH PROFITABILITY CAPITAL/CREDIT 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 Deposit
Slide 15: Deposit Portfolio
DEPOSIT PORTFOLIO – DDA Above $600MM Drives Lower Deposit Costs and Margin Expansion Deposits AVG In millions $2,291 $2,457 $2,453 $2,427 $2,489 $1,711 $1,887 $1,857 $1,842 $1,857 $580 $570 $596 $585 $632 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Non-interest-beraing demand deposits Interst-bearing de
Slide 16: Loan Portfolio
LOAN PORTFOLIO – Loan Growth Momentum Positions USCB for Sustained Performance Total Loans (AVG) In millions 6.23% 6.21% 6.16% 6.11% 6.20% $2,057 $2,099 $2,131 $2,178 $2,259 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Loans Loan Yields Total Gross Loans (EOP) (1) In millions $211MM Net Growth $2,106 $2,
Slide 17: Loan Production
LOAN PRODUCTION – Record Quarterly Loan Production of $272 Million Net Loan Production Trend In millions, except for ratios 7.12% 6.43% 5.93% 5.87% 5.90% $187 $110 $132 $113 $196 $137 $188 $136 $272 $189 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Loan Production/Line changes Loan Amortization/payoffs N
Slide 18: Net Interest Margin
NET INTEREST MARGIN – NIM Driven by Loan Growth and Stable Funding Cost Net Interest Income/Margin (1) In thousands (except ratios) 3.28% 3.14% 3.27% 3.27% 3.49% $21,034 $2,174 $22,207 $22,048 $24,387 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Net Interest Income NIM Interest-Earning Assets Mix (AVG) 2
Slide 19: Interest Rate Sensitivity
INTEREST RATE SENSITIVITY - Well Positioned to Navigate Interest Rate Volatility Loan Portfolio Repricing Profile by Rate Type Hybrid ARM $85MM 4% Fixed Rate $851MM 37% $2,317MM Variable Rate $1,381MM 59% $535MM 36% $114MM 8% $817MM 56% Loan Repricing Schedule Variable & Hybrid Rate Loans $387MM 27%
Slide 20: Securities Portfolio
SECURITIES PORTFOLIO - Secondary Liquidity Source Supporting Future Growth EOP for Balance Sheet amounts, in millions Portfolio Composition CMO 25% MBS 14% CMBS 47% SBA6% Agency 4% Municipalities 1% Corporate 3% Bank Subordinated Debt Securities Portfolio Key Metrics Metrics as of 06/30/2026 Securit
Slide 21: Asset Quality
ASSET QUALITY – Exceptional Credit Quality Supports Sustainable Growth Allowance for Credit Losses In thousands (except ratios) 1.18% 1.17% 1.16% 1.16% 1.15% $24,933 $24,964 $25,500 $26,102 $26,701 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Allowance for credit loss ACL/Total loans Non-performing Loans
Slide 22: Loan Portfolio Mix
LOAN PORTFOLIO MIX Loan Portfolio Mix (1) Residential real estate 15% CRE- Owner occupied 9% CRE – Non-owner occupied 48% Commercial and industrial 13% Correspondent Banks 6% Consumer and other 9% $2,317MM Commentary Total loan balance at quarter end was $2,317 million (4). Commercial Real Estate (o
Slide 23: 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 24: 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 25: Capital
CAPITAL - Strong Capital Levels Support Continued Organic Growth Capital Ratios (1) Leverage Ratio TCE/TA (2) Tier 1 Risk-Based Capital Total Risk-Based Capital AOCI In Millions Q2 2026 8.81% 7.72% 11.01% 13.88% ($31.4) Q1 2026 8.61% 7.84% 11.09% 14.09% ($31.3) Q2 2025 9.72% 8.52% 12.52% 13.73% ($41
Slide 26: Takeaways
TAKEAWAYS - Attractive Franchise Positioned for Continued Growth Leading franchise located in one of the most attractive banking markets in U.S. Scarcity value in the Miami MSA Robust capital position with regulatory ratios well in excess of “well capitalized” threshold Low risk, commercially orient
Slide 27: Appendix – Risk Management
APPENDIX – RISK MANAGEMENT Risk Management Philosophy and Culture Management has instilled a culture of adherence to well-developed risk management procedures. Management is responsible for day-to-day risk management (identifying, evaluating, and addressin g existing and potential risks that may exi
Slide 28: Appendix – Technology Support
APPENDIX – TECHNOLOGY SUPPORT 2016 Paperless Account Opening January ‘16 – April ‘16 International Letter Of Credit April ‘16 – July ‘16 "Reporting Database May ‘16 – September ‘16 " EMV Debit Cards August ‘16 – October ‘16 2017 Instant Issue Debit Card October ‘16 – March ‘17 Cash Management Portal
Slide 29: Appendix – Technology Support
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 pa
Slide 30: 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") income: 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 Plus
Slide 31: Appendix – Non-GAAP Reconciliation
APPENDIX – NON-GAAP RECONCILIATION In thousands (except ratios and share data) As of or For the Three Months Ended 6/30/2026 3/31/2026 12/31/2025 9/30/2025 6/30/2025 Tangible book value per common share (at period-end): (1)(4) Total stockholders' equity $ 233,238 $ 223,246 $ 217,183 $ 209,095 Less:
Slide 32: Contact Information
CONTACT INFORMATION LOU DE LA AGUILERA Chairman, President & CEO (305) 715-5186 ROB ANDERSON EVP, Chief Financial Officer (305) 715-5393 rob.anderson@uscentury.com laguilera@uscentury.com INVESTOR RELATIONS InvestorRelations@uscentury.com 32
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