Uscb Financial Holdings, Inc. · NASDAQ:USCB
Uscb Financial — Q3 2025 Earnings Presentation
34 slides from Uscb Financial's earnings presentation, Oct 28, 2025
Slide 1: USCB Financial Holdings Investor Presentation Third Quarter 2025
Exibit 99.1 USCB FINANCIAL HOLDINGS INVESTOR PRESENTATION THIRD QUARTER 2025 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 H
Slide 5: Located in a Vibrant Economy
LOCATED IN A VIBRANT ECONOMY 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) and third in SBA lending amount ($3.5 billion). E
Slide 6: Attractive Demographics
ATTRACTIVE DEMOGRAPHICS Florida remains the state with the highest population growth, adding nearly 1 million residents between 2022 and 2024(1) 6th place GDP growth in the U.S., 160 bps above national average in 1st quarter of 2024 (2) Unemployment rate was 3.4% compared to the national rate of 4.1
Slide 7: Seasoned Management
SEASONED MANAGEMENT Luis de la Aguilera Chairman, President & CEO Previously President & CEO of TotalBank 41+ years in banking Rob Anderson Chief Financial Officer Previously CFO of Capstar Financial Holdings 19+ years in banking Bill Turner Chief Credit Officer Previously CCO of Interamerican Bank
Slide 8: 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 VOOVVV Board Member President the Levitan Group Director since 2013 Kirk Wycoff Board Member Managing Partner, Patriot Financial Partners, L.P. Direc
Slide 9: 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 10: Business Verticals
BUSINESS VERTICALS Differentiated Banking Product Offerings and Services Private Client Group (1) $296MM 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 11: Deposit Aggregating Verticals
DEPOSIT AGGREGATING VERTICALS Deposits Trend (EOP) In millions $88 $229 $312 $352 $446 $492 $626 $672 $48 $129 $138 $154 $177 $200 $265 $249 $10 $38 $77 $65 $97 $12 $125 $127 $30 $62 $97 $130 $172 $180 $236 $296 2018 2019 2020 2021 2022 2023 2024 Q3 2025 PCG HOA Corresponding Banking Commentary As o
Slide 12: Q3 2025 Highlights
Q3 2025 HIGHLIGHTS GROWTH 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-bala
Slide 13: Historical Financials
HISTORICAL FINANCIALS EOP for Balance Sheet amounts In millions $735 $2,131 2016 2017 2018 2019 2020 2021 2022 2023 2024 Q3 2025 Deposits In millions $782 $2,456 2016 2017 2018 2019 2020 2021 2022 2023 2024 Q3 2025 Total Stockholders’ Equity In millions $86 $209 2016 2017 2018 2019 2020 2021 2022 20
Slide 14: Financial Results
FINANCIAL RESULTS In thousands (except per share data) Q3 2025 Q2 2025 Q3 2024 Balance Sheet (EOP) Total Securities $480,544 $444,122 $426,528 Total Loans (1) $2,130,966 $2,113,318 $1,931,362 Total Assets $2,767,945 $2,719,474 $2,503,954 Total Deposits $2,455,614 $2,335,661 $2,126,617 Total Equity (
Slide 15: Key Performance Indicators
KEY PERFORMANCE INDICATORS In thousands (except per share data) Q3 2025 Q2 2025 Q3 2024 GROWTH 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 Tangible Book Value/Sh are (2)(3) $11.55 $11
Slide 16: Deposit Portfolio
DEPOSIT PORTFOLIO Deposits AVG In millions $2,078 $2,139 $2,215 $2,291 $2,457 $326 $341 $400 $452 $520 $1,085 $1,156 $1,199 $1,212 $1,320 $58 $51 $53 $47 $47 $609 $591 $563 $580 $570 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Non-interest-bearing demand deposits Interest-bearing checking deposits Money
Slide 17: Liquidity
LIQUIDITY EOP for Balance Sheet amounts Total Liquidity 28% 26% 26% 27% 31% 15% 16% 13% 11% 13% On Balance Sheet Liquid Assets Total Liquidity Liquid Assets: On-Balance Sheet Liquidity / Total Assets Total Liquidity: Total Liquidity / Total Assets Sources of Liquidity (in millions) 9/30/2025 On Bala
Slide 18: Loan Portfolio
LOAN PORTFOLIO Total Loans (AVG) In millions 6.32% 6.25% 6.17% 6.23% 6.21% $1,878 $1,959 $1,987 $2,057 $2,099 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Loans Loan Yields Gross Total Loans (EOP) (1) $1,928 $1,965 $2,029 $2,106 $2,125 $199 $198 $219 $218 $208 $104 $82 $103 $110 $105 $247 $258 $256 $264
Slide 19: Loan Production
LOAN PRODUCTION Net Loan Production Trend In millions, except for ratios 7.75% 7.14% 6.67% 7.12% 6.43% $157 $95 $161 $123 $182 $119 $187 $110 $132 $113 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Loan Production/Line changes Loan amortization/payoffs New loans weighted average coupon Loan Composition Tr
Slide 20: Net Interest Margin
NET INTEREST MARGIN Net Interest Income/Margin (1) In thousands (except ratios) 3.03% 3.16% 3.10% 3.28% 3.14% $18,109 $19,358 $19,115 $21,034 $21,274 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Net Interest Income NIM Interest-Earning Assets Mix (AVG) 3% 2% 3% 2% 4% 18% 18% 17% 18% 18% 79% 80% 80% 80% 7
Slide 21: Interest Rate Sensitivity
INTEREST RATE SENSITIVITY Loan Portfolio Repricing Profile By Rate Type Hybrid ARM 2% Fixed Rate 38% Variable Rate 60% 32% 9% 59% Prime CMT SOFR Loan Repricing Schedule Variable/Hybrid Rate Loans 22% 47% 18% 13% 0-1 yrs. 1-2 yrs. 2-3 yrs. >3 yrs. Static NII Simulation year 1 & 2 3.5% -100 +100 -2.9%
Slide 22: Securities Portfolio
SECURITIES PORTFOLIO EOP for Balance Sheet amounts, in millions Portfolio Composition CMO MBS CMBS SBA Agency Municipalities Corporate Bank Subordinated Debt 5% 4% 2% 4% 28% 19% 32% 6% Securities Portfolio Key Metrics Metrics as of 09/30/2025 Securities portfolio $ 480.5 AFS as % of portfolio 67% HT
Slide 23: Asset Quality
ASSET QUALITY Allowance for Credit Losses In thousands (except ratios) 1.19% 1.22% 1.22% 1.18% 1.17% $23,067 $24,070 $24,740 $24,933 $24,964 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Allowance for Credit losses ACL/Total Loans Non-performing loans In thousands (except ratios) 0.14% 0.14% 0.20% 0.06% 0
Slide 24: Loan Portfolio Mix
LOAN PORTFOLIO MIX Loan Portfolio Mix (1) Residential real estate CRE – wonder occupied CRE Non-owner occupied Commercial and industrial Correspondent banks Consumer and other 13% 5% 10% 15% 9% 48% $2,125 MM(1) Cre Loan Mix Warehouse 10% Hotels 10% Land/Construction 7% Other 2% Retail 26% Multifamil
Slide 25: 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 26: Non-Interest Expense
NON-INTEREST EXPENSE In thousands (except ratios)rr 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 Netw
Slide 27: Capital
CAPITAL Capital Ratios Leverage Ratio TCE/TA (2) Tier 1 Risk-Based Capital Total Risk-Based Capital AOCI In Millions Q3 2025 8.47% 7.55% 11.17% 14.20% ($37.8) Q2 2025 9.72% 8.52% 12.52% 13.73% ($41.8) Q3 2024 9.34% 8.54% 12.01% 13.22% ($38.0) Well-Capitalized 5.00% NA 8.00% 10.00% Commentary In Augu
Slide 28: 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 5. Demonstrated profitabi
Slide 29: 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 30: Appendix – Technology Support
APPENDIX – TECHNOLOGY SUPPORT v 2016 Paperless Account Opening January ‘16-April '16 V J — International Letter of Credit eTran April 16—July‘16 _______________ J -------- Reporting Database Bate May '16-September '16 _____ Fs EMV Debit Cards August ‘16 - October '16 V _____ 2017 1 y . 2rdr, Instant
Slide 31: Appendix – Technology Support
APPENDIX – TECHNOLOGY SUPPORT M A MI Remote Account Opening -- October ‘21 - March ‘22 2022 - / 11 Secureworks MXDR platform Feb ‘22-July22‘ • / R Ring Central call reporting October ‘22 - March ‘23 1 2023 -- abrico Loan origination system 9 June ‘22 - May ‘23 • ___ / Lh FED Now payments January ‘23
Slide 32: Appendix - Non-GAAP Reconciliation
APPENDIX - NON-GAAP RECONCILIATION\ In thousands (except ratios) Pre-tax pre-provision ("PTPP") income: Net income Plus: Income tax expense Plus: Provision for credit losses PTPP income PTPP return on average assets: PTPP income Average assets PTPP return on average assets Operating net income: Net
Slide 33: 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 common share (at period-end): (1) Total stockholders' equity $ 209,095 $ 231,583 $ 225,088 $ 215,388 $ 213,916
Slide 34: Contact Information
CONTACT INFORMATION LOU DE LA AGUILERA Chairman, President & CEO (305) 715-5186 laguilera@uscentury.com ROB ANDERSON EVP, Chief Financial Officer (305) 715-5393 rob.anderson@uscentury.com INVESTOR RELATIONS InvestorRelations@uscentury.com 34
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