Uscb Financial Holdings, Inc. · NASDAQ:USCB
Uscb Financial — Q3 2025 Earnings Presentation
22 slides from Uscb Financial's earnings presentation, Oct 24, 2025
Slide 1: Earnings Presentation Third Quarter 2025
EARNINGS PRESENTATION THIRD QUARTER 2025 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: Q3 2025 Highlights
Q3 2025 HIGHLIGHTS Average deposits increased by $379.5 million or 18.3% compared to the third quarter 2024. Average loans increased $220.8 million or 11.8% compared to the third quarter 2024. Liquidity sources as of September 30, 2025, aggregated $859 million in on-balance sheet and off-balance she
Slide 4: Historical Financials
HISTORICAL FINANCIALS EOP for Balance Sheet amounts Loans (1) Deposits Total Stockholders’ Equity In millions $2,131 In millions In millions $2,456 $209 $735 $86 $782 2016 2017 2018 2019 2020 2021 2022 2023 2024 Q3 2016 2017 2018 2019 2020 2021 2022 2023 2024 Q3 2016 2017 2018 2019 2020 2021 2022 20
Slide 5: Financial Results
FINANCIAL RESULTS In thousands (except per share data) Q3 2025 Q2 2025 Q3 2024 Total Securities $480,544 $444,122 $426,528 Balance Total Loans (1) $2,130,966 $2,113,318 $1,931,362 Total Assets $2,767,945 $2,719,474 $2,503,954 Sheet Total Deposits $2,455,614 $2,335,661 $2,126,617 (EOP) Total Equity (
Slide 6: Key Performance Indicators
KEY PERFORMANCE INDICATORS In thousands (except for TBV/share) Q3 2025 Q2 2025 Q3 2024 Total Assets (EOP) $2,767,945 $2,719,474 $2,503,954 Total Loans (EOP) (1) $2,130,966 $2,113,318 $1,931,362 Total Deposits (EOP) $2,455,614 $2,335,661 $2,126,617 GROWTH Tangible Book Value/Share (2)(3) $11.55 $11.5
Slide 7: Deposit Portfolio
DEPOSIT PORTFOLIO Deposits AVG Commentary In millions Average deposits increased $166.4 $2,291 $2,457 million or 28.8% annualized compared $2,215 $2,078 $2,139 $520 to the prior quarter and increased $400 $452 $326 $341 $379.5 million or 18.3% compared to the third quarter 2024. $1,085 $1,156 $1,199
Slide 8: Loan Portfolio
LOAN PORTFOLIO Total Loans (AVG) Commentary In millions $2,100 6.32% 6.25% 6.17% 6.23% 6.21% 7.00% Average loans increased $41.6 million $1,900 6.00% or 8.0% annualized compared to prior $1,700 5.00% quarter and $220.8 million or 11.8% compared to third quarter 2024. $1,500 4.00% $1,300 $2,099 $1,87
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 7.75% $2,125 $200 8.00% $180 15% 7.12% 7.50% $160 7.14% $140 7.00% 6.67% 6.43% $120 $100 6.50% $948 58% $182 $187 $80 $157 $161 28% $60 $123 $132 6.00% $119 $110 $11
Slide 10: Business Verticals
BUSINESS VERTICALS Differentiated Banking Product Offerings and Services Private Client Group (1) Yacht Lending Association Banking $296MM Deposits $204MM Loans $127MM Deposits / $111MM Loans ▪ Deposit aggregating focus/strategy ▪ Yacht financing for larger vessels, ▪ Deposit aggregating focus/strat
Slide 11: Net Interest Margin
NET INTEREST MARGIN Net Interest Income/Margin (1) Commentary In thousands (except ratios) 3.28% 3.14% $25,000 3.16% 3.10% 3.50% Net interest income increased $240 3.03% 3.00% thousand or 4.5% annualized $20,000 compared to prior quarter and 2.50% increased $3.2 million or 17.5% $15,000 2.00% compar
Slide 12: Interest Rate Sensitivity
INTEREST RATE SENSITIVITY Loan Portfolio Repricing Profile Loan Repricing Schedule by Rate Type Variable/Hybrid Rate Loans Hybrid ARM 2% 9% 22% 32% Variable Rate 60% 47% Fixed Rate 13% 38% 59% 18% Prime CMT SOFR 0-1 yrs. 1-2 yrs. 2-3 yrs >3 yrs. Static NII Simulation Year 1 & 2 $5,000 Year 1 $5,000
Slide 13: Securities Portfolio
SECURITIES PORTFOLIO EOP for Balance Sheet amounts, in millions Commentary Portfolio Composition Securities portfolio totaled $480.5 million; 67% of the portfolio is classified as AFS, while 33% is classified as HTM. 2% 4% 4% CMO 5% The modified duration is 5.1 and the average life is 28% MBS 6.4 ye
Slide 14: Asset Quality
ASSET QUALITY Allowance for Credit Losses Commentary In thousands (except ratios) Allowance for credit losses increased $31 thousand compared to prior 26,000 1.25% 1.22% 1.22% quarter and $1.9 million compared to 24,000 1.19% 1.18% 1.20% third quarter 2024. 1.17% 22,000 20,000 1.15% ACL coverage rat
Slide 15: Loan Portfolio Mix
LOAN PORTFOLIO MIX Loan Portfolio Mix (1) Commentary Total loan balance at quarter end was Residential real estate 10% $2,125 million (1). 15% 5% CRE - Owner occupied Commercial Real Estate (owner 9% occupied and non-owner occupied) CRE - Non-owner occupied 13% was 57.7% or $1,226 million of the tot
Slide 16: Non-Interest Income
NON-INTEREST INCOME In thousands (except ratios) Q3 2025 Q2 2025 Q1 2025 Q4 2024 Q3 2024 Total service fees $2,661 $ 2,402 $2,331 $2,667 $2,544 Wire fees $647 $604 $570 $587 $563 Swap fees $790 $428 $93 $1,076 $1,285 Other $1,224 $1,370 $1,668 $1,004 $696 Loss on sale of securities available for sal
Slide 17: Non-Interest Expense
NON-INTEREST EXPENSE In thousands (except ratios) Q3 2025 Q2 2025 Q1 2025 Q4 2024 Q3 2024 Salaries and employee benefits $7,909 $7,954 $7,636 $7,930 $7,200 Occupancy 1,382 1,337 1,284 1,337 1,341 Regulatory assessments and fees 377 396 421 405 452 Consulting and legal fees 585 263 193 552 161 Networ
Slide 18: Capital
CAPITAL Capital Ratios (1) Q3 Q3 2025 2025 Q2 2025 Q3 2024 Well- Capitalized Leverage Ratio 8.47% 9.72% 9.34% 5.00% TCE/TA (2) 7.55% 8.52% 8.54% NA Tier 1 Risk- Based Capital 11.17% 12.52% 12.01% 8.00% Total Risk- 14.20% 13.73% 13.22% 10.00% Based Capital AOCI ($37.8) ($41.8) ($38.0) In Millions Com
Slide 19: 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 20: Appendix - Non-GAAP Reconciliation
APPENDIX - NON-GAAP RECONCILIATION In thousands (except ratios) As of or For the Three Months Ended 9/30/2025 6/30/2025 3/31/2025 12/31/2024 9/30/2024 Pre-tax pre-provision ("PTPP") incom e: (1) Net income $ 8,939 $ 8,140 $ 7,658 $ 6,904 $ 6,949 Plus: Income tax expense 2,866 2,599 2,440 2,197 2,213
Slide 21: Appendix - Non-GAAP Reconciliation
APPENDIX - NON-GAAP RECONCILIATION In thousands (except ratios and share data) As of or For the Three Months Ended 9/30/2025 6/30/2025 3/31/2025 12/31/2024 9/30/2024 Tangible book value per com m on share (at period-end): (1) Total stockholders' equity $ 209,095 $ 231,583 $ 225,088 $ 215,388 $ 213,9
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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