Uscb Financial Holdings, Inc. · NASDAQ:USCB
Uscb Financial — Q4 2025 Earnings Presentation
33 slides from Uscb Financial's earnings presentation, January 2026
Slide 1: Investor Presentation Fourth Quarter 2025
INVESTOR PRESENTATION FOURTH 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: Table of Contents
TABLE OF CONTENTS 1 Who We Are 2 Growth Strategy 3 Financial Review 4 Appendix 3
Slide 4: Company Overview
DIVERSIFIED WE ARE A RELATIONSHIP-FIRST BUSINESS VERTICALS BANK Company Overview Commercial Banking ▪ Founded in 2002, U.S. Century Bank is a state-chartered bank headquartered in South Florida. ▪ Focused on servicing small/medium-sized businesses within − 8th largest Florida headquartered bank by d
Slide 5: Located in a Vibrant Economy
DIVERSIFIED LOCATED IN ABUSINESS VIBRANT ECONOMY VERTICALS DORAL HEADQUARTERS Florida is one of the largest business markets in the country ▪ According to the U.S. Small Business Administration’s October 2024 report, Florida ranks second among states with the largest SBA loan production (6,559 loans
Slide 6: Attractive Demographics
DIVERSIFIEDDEMOGRAPHICS ATTRACTIVE BUSINESS VERTICALS The labor force was up 3% percent (+40,298) over the year in May 2024 (4) Florida remains the state with the highest population growth, adding nearly 1 million residents between 2022 and 2024(1) 10% projected increase of Florida per Capita Person
Slide 7: Seasoned Management
DIVERSIFIED SEASONED MANAGEMENT BUSINESS VERTICALS Luis de la Aguilera Rob Anderson Bill Turner Oscar Gomez Chairman, President & CEO Chief Financial Officer Chief Credit Officer Head of Global Banking Division Previously President & CEO of TotalBank Previously CFO of Capstar Financial Holdings Prev
Slide 8: Accomplished Board of Directors
DIVERSIFIED BUSINESS ACCOMPLISHED BOARD VERTICALS OF DIRECTORS Luis de la Aguilera Aida Levitan Kirk Wycoff Chairman, President & CEO Board Member Board Member Previously President & CEO of TotalBank President the Levitan Group Managing Partner, Patriot Financial Director since 2016 Director since 2
Slide 9: Our Strategy
DIVERSIFIED OUR STRATEGYBUSINESS VERTICALS 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 commun
Slide 10: Business Verticals
BUSINESS VERTICALS Differentiated Banking Product Offerings and Services Private Client Group (1) Yacht Lending Association Banking $305MM Deposits $204MM Loans $146MM Deposits / $126MM Loans ▪ Deposit aggregating focus/strategy. ▪ Yacht financing for larger vessels, ▪ Deposit aggregating focus/stra
Slide 11: Deposit Aggregating
DIVERSIFIED DEPOSIT AGGREGATING BUSINESS VERTICALS Deposits Trend (EOP) In millions $686 $626 $492 $235 $446 $265 $352 $312 $200 $146 $177 $229 $125 $154 $138 $112 $97 $129 $68 $305 $88 $77 $236 $38 $172 $180 $48 $97 $130 $10 $30 $62 2018 2019 2020 2021 2022 2023 2024 2025 (1) PCG HOA Corresponding
Slide 12: Q4 2025 Highlights
Q4 2025 HIGHLIGHTS Average deposits increased by $314.6 million or 14.7% compared to the fourth quarter 2024. Average loans increased $172.3 million or 8.8% compared to the fourth quarter 2024. Liquidity sources as of December 31, 2025, aggregated $670.0 million in on-balance sheet and off-balance s
Slide 13: Historical Financials
HISTORICAL FINANCIALS EOP for Balance Sheet amounts Loans (1) Deposits Total Stockholders’ Equity In millions $2,189 In millions In millions $2,345 $217 $735 $782 $86 2016 2017 2018 2019 2020 2021 2022 2023 2024 Q4 2016 2017 2018 2019 2020 2021 2022 2023 2024 Q4 2016 2017 2018 2019 2020 2021 2022 20
Slide 14: Financial Results
FINANCIAL RESULTS In thousands (except per share data) Q4 2025 Q3 2025 Q4 2024 Total Securities $461,431 $480,544 $424,915 Balance Total Loans (1) $2,189,257 $2,130,966 $1,972,848 Total Assets $2,791,540 $2,767,945 $2,581,216 Sheet Total Deposits $2,345,080 $2,455,614 $2,174,004 (EOP) Total Equity (
Slide 15: Key Performance Indicators
KEY PERFORMANCE INDICATORS In thousands (except for TBV/share) Q4 2025 Q3 2025 Q4 2024 Total Assets (EOP) $2,791,540 $2,767,945 $2,581,216 Total Loans (EOP) (1) $2,189,257 $2,130,966 $1,972,848 Total Deposits (EOP) $2,345,080 $2,455,614 $2,174,004 GROWTH Tangible Book Value/Share (2)(3) $11.97 $11.5
Slide 16: Deposit Portfolio
DEPOSIT PORTFOLIO Deposits AVG Commentary In millions Average deposits decreased $3.9 $2,453 $2,291 $2,457 million compared to the prior quarter $2,215 $2,139 $520 $507 and increased $314.6 million or 14.7% $400 $452 $341 compared to the fourth quarter 2024. $1,156 $1,199 $1,212 $1,320 $1,290 DDA av
Slide 17: Loan Portfolio
LOAN PORTFOLIO Total Loans (AVG) Commentary In millions 6.16% $2,100 6.25% 6.17% 6.23% 6.21% 7.00% Average loans increased $31.9 million $1,900 6.00% or 6.02% annualized compared to $1,700 5.00% prior quarter and $172.3 million or 8.8% compared to fourth quarter $1,500 4.00% 2024. $1,300 $2,057 $2,0
Slide 18: Loan Production
LOAN PRODUCTION Net Loan Production Trend Loan Composition Trend EOP (1) In millions, except for ratios In millions, except for ratios $2,183 $250 7.50% 7.14% 7.12% 14% $200 6.67% 7.00% 6.43% $150 $196 6.50% $948 57% $100 5.93% 6.00% $182 $187 28% $161 $123 $132 $137 $119 $110 $113 $50 5.50% 63% 29%
Slide 19: Net Interest Margin
NET INTEREST MARGIN Net Interest Income/Margin (1) Commentary In thousands (except ratios) 3.28% 3.27% $25,000 3.16% 3.10% 3.14% 3.50% Net interest income increased $933 3.00% thousand or 17.4% annualized $20,000 compared to the prior quarter and 2.50% increased $2.8 million or 14.7% $15,000 2.00% c
Slide 20: Interest Rate Sensitivity
INTEREST RATE SENSITIVITY Loan Portfolio Repricing Profile Loan Repricing Schedule by Rate Type Variable/Hybrid Rate Loans Hybrid ARM 2% 9% 19% 34% Variable Rate 10% Fixed Rate 59% 52% 39% 57% 19% 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 21: Securities Portfolio
SECURITIES PORTFOLIO EOP for Balance Sheet amounts, in millions Commentary Portfolio Composition Securities portfolio totaled $461.4 million; 67% of the portfolio is classified as AFS, while 33% is classified 3% as HTM. 1%2% CMO 5% The modified duration is 5.2 and the average life is 28% MBS 7% 6.2
Slide 22: Asset Quality
ASSET QUALITY Allowance for Credit Losses Commentary In thousands (except ratios) Allowance for credit losses increased $536 thousand compared to prior 28,000 1.25% 1.22% 1.22% quarter and $1.4 million compared to 26,000 1.18% 1.20% fourth quarter 2024. 24,000 1.17% 1.16% 22,000 1.15% ACL coverage r
Slide 23: Loan Portfolio Mix
LOAN PORTFOLIO MIX Loan Portfolio Mix (1) Commentary Total loan balance at quarter end was Residential real estate 9% $2,183 million (1). 14% 6% CRE - Owner occupied Commercial Real Estate (owner 9% occupied and non-owner occupied) CRE - Non-owner occupied 14% was 57.0% or $1,245 million of the tota
Slide 24: Non-Interest Income
NON-INTEREST INCOME In thousands (except ratios) Q4 2025 Q3 2025 Q2 2025 Q1 2025 Q4 2024 Total service fees $2,209 $2,661 $ 2,402 $2,331 $2,667 Wire fees $656 $647 $604 $570 $587 Swap fees $449 $790 $428 $93 $1,076 Other $1,104 $1,224 $1,370 $1,668 $1,004 Loss on sale of securities available for sal
Slide 25: Non-Interest Expense
NON-INTEREST EXPENSE In thousands (except ratios) Q4 2025 Q3 2025 Q2 2025 Q1 2025 Q4 2024 Salaries and employee benefits $8,668 $7,909 $7,954 $7,636 $7,930 Occupancy 1,327 1,382 1,337 1,284 1,337 Regulatory assessments and fees 443 377 396 421 405 Consulting and legal fees 900 585 263 193 552 Networ
Slide 26: Capital
CAPITAL Capital Ratios (1) Q3 Q4 2025 2025 Q3 2025 Q4 2024 Well- Capitalized Leverage Ratio 8.46% 8.47% 9.53% 5.00% TCE/TA (2) 7.78% 7.55% 8.34% NA Tier 1 Risk- Based Capital 10.92% 11.17% 12.28% 8.00% Total Risk- 13.91% 14.20% 13.51% 10.00% Based Capital AOCI ($30.3) ($37.8) ($44.5) In Millions Com
Slide 27: 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 28: Appendix – Risk Management
DIVERSIFIED APPENDIX – BUSINESS RISK MANAGEMENT VERTICALS ▪ 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 addressing existing and potential risks that may exist at
Slide 29: Appendix – Technology Support
DIVERSIFIED APPENDIX – BUSINESS TECHNOLOGY VERTICALS SUPPORT Paperless Account Opening International Letter Of Credit Reporting Database EMV Debit Cards 2016 January ‘16 – April ‘16 eTran April ‘16 – July ‘16 May ‘16 – September ‘16 August ‘16 – October ‘16 Instant Issue Debit Card Cash Management P
Slide 30: Appendix – Technology Support
DIVERSIFIED APPENDIX – BUSINESS TECHNOLOGY VERTICALS SUPPORT Remote Account Opening Secureworks MXDR platform Ring Central call reporting 2022 October ‘21 – March ‘22 Feb ‘22 – July 22’ October ‘22 – March ‘23 2023 Loan origination system FED Now payments June ‘22 – May ‘23 January ‘23 – October ‘23
Slide 31: Appendix - Non-GAAP Reconciliation
APPENDIX - NON-GAAP RECONCILIATION In thousands (except ratios) As of or For the Three Months Ended 12/31/2025 9/30/2025 6/30/2025 3/31/2025 12/31/2024 Pre-tax pre-provision ("PTPP") incom e: (1) Net income $ 1,363 $ 8,939 $ 8,140 $ 7,658 $ 6,904 Plus: Income tax expense 1,911 2,866 2,599 2,440 2,19
Slide 32: Appendix - Non-GAAP Reconciliation
APPENDIX - NON-GAAP RECONCILIATION In thousands (except ratios and share data) As of or For the Three Months Ended 12/31/2025 9/30/2025 6/30/2025 3/31/2025 12/31/2024 Tangible book value per com m on share (at period-end): (1) Total stockholders' equity $ 217,183 $ 209,095 $ 231,583 $ 225,088 $ 215,
Slide 33: 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 33
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