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Item 7.01. Regulation FD Disclosure.
USCB Financial Holdings, Inc. (“the Company”) is filing an investor presentation (the “Presentation”), which will be used by
the management team for presentations to investors and others. A copy of the Presentation is attached hereto as Exhibit 99.1 and
incorporated herein by reference. The Presentation is also available on the Company’s website at investors.uscenturybank.com.
Information contained herein, including Exhibit 99.1, is being furnished and shall not be deemed “filed” for the purposes of Section 18
of the Securities Exchange Act of 1934, as amended (“the Exchange Act”), or otherwise subject to the liability of such section, and shall
not be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, regardless of
any general incorporation language in such filing, except as shall be expressly set forth by specific reference in such a filing.
Item 9.01. Financial Statements and Exhibits.
(d) Exhibits.
Exhibit No.
Description
104
Cover Page Interactive Data File (embedded within the Inline XBRL document)
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SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on
its behalf by the undersigned hereunto duly authorized.
USCB Financial Holdings, Inc.
By:
/s/ Robert Anderson
Name:
Robert Anderson
Title:
Chief Financial Officer
Date: October 28, 2025
Exibit 99.1
USCB FINANCIAL HOLDINGS INVESTOR PRESENTATION THIRD QUARTER 2025 NASDAQ: USCB
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-looking statements are those that are not historical facts. The words “may,” “will,” “anticipate,” “could,” “ should,” “would,” “believe,” “contemplate,” “expect,” “aim,” “plan,” “estimate,” “continue,” “seek,” and “intend,” the negative of these terms, as well as other similar words and expressions of the future, are intended to identify forward-looking statements. These forward-looking statements include, but are not limited to, statements related to our projected growth, anticipated future financial performance, and management’s long-term performance goals, as well as statements relating to the anticipated effects on our results of operations and financial condition from expected or potential developments or events, or business and growth strategies, including anticipated internal growth and potential balance sheet restructuring. All numbers included in this presentation are unaudited unless otherwise noted. These forward-looking statements involve significant risks and uncertainties that could cause our actual results to differ materially from those anticipated in such statements. Potential risks and uncertainties include, but are not limited to: the strength of the United States economy in general and the strength of the local economies in which we conduct operations; our ability to successfully manage interest rate risk, credit risk, liquidity risk, and other risks inherent to our industry; the accuracy of our financial statement estimates and assumptions, including the estimates used for our allowance for credit losses and deferred tax asset valuation allowance; the efficiency and effectiveness of our internal
control procedures and processes; our ability to comply with the extensive laws and regulations to which we are subject, including the laws for each jurisdiction where we operate; adverse changes or conditions in the capital and financial markets, including actual or potential stresses in the banking industry; deposit attrition and the level of our uninsured deposits; legislative or regulatory changes and changes, including the enactment of the One Big Beautiful Bill, in accounting principles, policies, practices or guidelines, including the on-going effects of the implementation of the Current Expected Credit Losses (“CECL”) standard; the lack of a significantly diversified loan portfolio and our concentration in the South Florida market, including the risks of geographic, depositor, and industry concentrations, including our concentration in loans secured by real estate, in particular, commercial real estate; the effects of climate change; the concentration of ownership of our common stock; fluctuations in the price of our common stock; our ability to fund or access the capital markets at attractive rates and terms and manage our growth, both organic growth as well as growth through other means, such as future acquisitions; inflation, interest rate, unemployment rate, and market and monetary fluctuations; the effects of potential new or increased tariffs, retaliatory tariffs and trade restrictions; the impact of international hostilities and geopolitical events; increased competition and its effect on the pricing of our products and services as well as our net interest rate spread and net interest margin; the loss of key employees; the effectiveness of our risk management strategies, including operational risks, including, but not limited to, client, employee, or third-party fraud and security breaches; and other risks described in this presentation and other filings we make with the Securities and Exchange Commission (“SEC”). All
forward-looking statements are necessarily only estimates of future results, and there can be no assurance that actual results will not differ materially from expectations. Therefore, you are cautioned not to place undue reliance on any forward-looking statements. Further, forward-looking statements included in this presentation are made only as of the date hereof, and we undertake no obligation to update or revise any forward-looking statements to reflect events or circumstances occurring after the date on which the statements are made or to reflect the occurrence of unanticipated events, unless required to do so under the federal securities laws. You should also review the risk factors described in the reports USCB Financial Holdings, Inc. has filed or will file with the SEC. Non-GAAP Financial Measures This presentation includes financial information determined by methods other than in accordance with generally accepted accounting principles (“GAAP”). This financial information includes certain operating performance measures. Management has included these non-GAAP financial measures because it believes these measures may provide useful supplemental information for evaluating the Company’s expectations and underlying performance trends. Further, management uses these measures in managing and evaluating the Company’s business and intends to refer to them in discussions about our operations and performance. Operating performance measures should be viewed in addition to, and not as an alternative to or substitute for, measures determined in accordance with GAAP, and are not necessarily comparable to non-GAAP measures that may be presented by other companies. Reconciliations of these non-GAAP measures to the most directly comparable GAAP measures can be found in the Non-GAAP financial measures reconciliation tables included in this presentation. 2
TABLE OF CONTENTS 1 who we are 2 growth strategy 3 financial review 4 appendix 3
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 Holdings, Inc. (NASDAQ: USCB) is included in the Russell 3000 Index. The Bank conducted its initial public offering in July 2021, raising $40.0 million in equity capital. Full-service commercial bank offering products and services tailored to meet the needs of small-to-medium sized businesses, entrepreneurs and professionals in South Florida (Miami-Dade, Broward, and Palm Beach counties) SBA preferred lender, ranked as a top SBA 7(a) community bank lender in Miami-Dade and Broward. (2) 5-star Bauer Financial rating. ASSETS $2.8B LOANS(3) $2.1B DEPOSITS $2.5B EQUITY $209M NPA/ASSETS 0.05% TOTAL RBC(4) 14.20% ROAA(5) 1.27% EPS(6) $0.45 For the Company as of September 30, 2025. Commercial Banking Focused on servicing small/medium-sized businesses within branch footprint Offer relationship-focused retail deposit products to owners and operators of SMBs Ability for customers to access accounts through online and mobile banking platforms Credit products include Asset-Based Loans, Lines of Credit and Term Loans Provide Treasury Management services to clients Relationship-driven with flexible solutions tailored to each client’s need South Florida 10 Branches (1) FDIC Deposit Market Share Report as of 6/30/25. (2) Per SBA loan approval by state and lender report as of October 2025. (3) Loan amounts include deferred fees/costs. (4) Company’s regulatory capital ratio which is provided for informational purposes; the Company, as a small bank holding company, is not subject to regulatory capital requirements. (5) Based on third
quarter 2025. Annualized. (6) Fully Diluted EPS for the quarter ended September 30, 2025. 4
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). Enterprise Florida reported Florida had the lowest unemployment rate amongst the top ten largest states as of November 2024; Florida continues to maintain one of the lowest unemployment rates compared to the natio nal rate. According to CNBC, Florida ranked #5 in 2024 for business, published July 2024. The tri-county area of Miami-Dade, Broward and Palm Beach is the premier market within the state of Florida According to the U.S. Small Business Administration’s, Miami -Dade MSA accounts for more than 1/3 of small businesses in the state of Florida as of December 2024. A diverse and vibrant economy Miami-Dade MSA has a rapidly growing population. The Miami-Dade MSA represents over 6 million residents and will reach close to 7 million by 2025. Business-friendly tax structures, no personal income tax and a reasonable cost of living attract businesses to Florida. September 2024, 22 Fortune 500 companies are in Florida, with 11 in the Miami-Dade MSA. Sources: U.S. Small Business Administration’s Office of Advocacy for 2024, Enterprise Florida, U.S. Bureau of Labor Statistics, Fortune Magazine, CNBC, Miami-Dade Beacon Council. 5
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% as of December 2024 (3) The labor force was up 3% percent (+40,298) over the year in May 2024 (4) 10% projected increase of Florida per Capita Personal Income from 2023 to 2025 (5) Palm Beach County 2.9% unempl oyment rate, below national average (6) Broward County 2.8% unemployment rate, below national average (6) Miami-Dade County 2.2% unemployment rate, below national average (6) In Miami-Dade County, international trade was up 29.2% in the first half 2024; trade value totaled $55 billion. (7) United States Census Bureau (1) U.S. Bureau of Economic Analysis Q1 2024 (2) U.S. Bureau of Labor Statistics January 2025 (3) FloridaCommerce June Press Release 2024 (4) Office of Economic and Demographic Research Florida (5) U.S. Bureau of Labor Statistics Miami, FL, Area Economic Summary as of May 2024 (6) Regulatory & Economic Resources Department. Data compares 1st half 2024 vs. 1st half 2020. 6
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 36+ years in banking Oscar Gomez Head of Global Banking Division Previously at Regions Bank 31+ years in banking Maricarmen Logroño Chief Risk Officer Previously at Doral Bank 21+ years in banking Nicholas Bustle Chief Lending Officer Previously at Valley Bank 36+ years in banking Andres Collazo Director of Operations & IT Systems Previously at TotalBank 34+ years in banking Martha Guerra-Kattou Director of Sales & Marketing Previously at TotalBank 31+ years in banking Seasoned Management Team with Local Banking Experience 7
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. Director since 2015 Howard Feinglass Board Member Managing Partner, Priam Capital Director since 2015 Ramón Abadin Board Member Partner, Ramon A. Abadin P.A. Director since 201 7 Bernardo Fernandez, Jr. Board Member CEO, Baptist Health Medical Group Director since 201 7 Ramon A. Rodriguez, CPA Board Member Chairman and Chief Executive Officer Cable Insurance Director since 2022 Robert Kafafian Board Member Founder, Chairman & Chief Executive Officer The Kafafian Group, Inc. Director since 2022 Maria C. Alonso Board Member CEO and Regional Dean of Northeastern University, Miami Campus Director since 2022 Highly Accomplished and Aligned Board with Complementary Track Records 8
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 expertise and breadth of service Due to significant consolidation, there exists a base of potential clients that desire to partner with a bank that is locally headquartered Team Lift-outs: Continue to bring in top tier talent to U.S. Century Bank, with teams attracted to culture, public currency and local decision making Overall growth success will depend upon our ability to attract, retain, develop, incentivize, and reward the human capital necessary to execute growth strategy Attractive stock-based incentive compensation to attract top tier talent Asset purchases Portfolio loan purchases; opportunistic to complement organic growth initiatives Net capital can serve as dry powder to facilitate meaningfully sized portfolio acquisitions Proactively evaluating portfolio opportunities that are consistent with USCB’s credit philosophy Strategic Acquisitions: Become an active acquirer for Florida banks looking to find a partner Focused on strategic, financially attractive acquisitions which support USCB’s organic growth strategy without compromising the risk profile Numerous potential partners in Miami-Dade MSA that may seek liquidity USCB is positioned to offer stock consideration 9
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 concierge-level banking service for the legal and healthcare sectors delivering financial solutions designed specifically for these professionals. Yacht Lending $204MM Loans Yacht financing for larger vessels, transaction range is $750k -$7.5MM. Brokered oriented business, 3 vendor approved brokers. Member of the National Marine Lenders Association. Launched this new vertical in 2022. Association Banking $127MM Depostis / $111MM Loans Deposit aggregating focus/strategy Banking for Homeowner Associations and Property Managers. Offer deposit collection services and esoteric lending solutions ranging from insurance premium and large capital improvement s financing. Significant lending capacity to target large credits. SBA/Small Business Lending $52MM Loans/$804K Gain of sale of Loans Relationship-oriented business focused on delivering fast loan commitments to small and medium-sized enterprises. Predominately small business line of credits and CD secured loans. Affordable SBA loan provider. Approved by the SBA to participate in the Preferred Lenders Program. Specialty banking products, services and solutions designed for small businesses, homeowner associations, law firms, medical practices and other professional services firms, yacht lending and global banking services Corresponding Banking $249MM Deposits / $105MM Loans Comprehensive range of both domestic and international services with the latest in technology to ensure quick processing. Focus on Caribbean and Latin American countries. Correspondent banking services include letters of credit, foreign
collections, wire transfers, ForEx and trade finance. Balances as of September 30, 2025. Gain on sale of loans reflects year-to-date amount for 2025. (1) Effective this quarter, the Private Client Group vertical now includes balances for the entire business unit, encompassing not only some Jurist Advantage and MD Advantage (Health Industry) sectors, but also other professional and affluent client segments. Accordingly, balances presented for PCG reflect the full scope of the business unit, rather than select sectors as previously reported. When evaluating period-over-period trends, consider this expanded scope. 10
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 of September 30, 2025, deposits totaling $672 million were associated with the verticals. Growth by vertical from 2018 to 2025: PCG: $266 million. HOA: $117 million. Correspondent Banking: $201 million. (1) Effective this quarter, the Private Client Group vertical now includes balances for the entire business unit, encompassing not only some Jurist Advantage and MD Advantage (Health Industry) sectors, but also other professional and affluent client segments. Accordingly, balances presented for PCG reflect the full scope of the business unit, rather than select sectors as previously reported. When evaluating period-over-period trends, consider this expanded scope. 11
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-balance sheet sources. Tangible book value per common share (a non-GAAP measure) (1) at September 30, 2025, increased $0.65 or 5.9% to $11.55, compared to $10.90 at September 30, 2024. TBV per share for September 30, 2025, included an AOCI impact of ($2.09) and at September 30, 2024 ($1.94). PROFITABILITY Net income was $8.9 million or $0.45 per diluted share, an increase of $2.0 million or 28.6% compared to the third quarter 2024. Net interest income before provision increased $3.2 million or 17.5% to $21.3 million for the quarter compared to the third quarter 2024. ROAA was 1.27% for the third quarter 2025 compared to 1.11% for the third quarter 2024. ROAE was 15.74% for the third quarter 2025 compared to 13.38% for the third quarter 2024. Efficiency ratio improved to 52.28% during the third quarter 2025 compared to 53.16% for the third quarter 2024. CAPITAL/CREDIT In August 2025, the Company issued an aggregate of $40.0 million in subordinated notes and the majority of proceeds were used to repurchase 2.0 million shares of the Company’s Class A common stock or approximately 10% of shares outstanding. The Company’s Board of Directors declared a $0.10 per share of the Company’s Class A common stock dividend on October 20, 2025. The dividend will be paid on December 5, 2025, to shareholders of record at the close of business on November 14, 2025. Total stockholders' equity decreased by $4.8 million or 2.3% to $209.1 million compared to September 30, 2024, due to the stock repurchase transactions conducted in September 2025. (1) Non-
GAAP financial measure. See reconciliation in this presentation. The increases in the per share effect of the accumulated other comprehensive loss reflected the reduction in the number of shares of Class A common stock outstanding as a result of the share repurchases conducted in September 2025. 12
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 2023 2024 Q3 2025 ACL/Total Loans 1.17% 1.17% 2016 2017 2018 2019 2020 2021 2022 2023 2024 Q3 2025 Net charge-offs (recoveries) In thousands ($1,019) $700 2016 2017 2018 2019 2020 2021 2022 2023 2024 Q3 2025 Nonperforming Assets/ Total Assets 1.58% 0.05% 2016 2017 2018 2019 2020 2021 2022 2023 2024 Q3 2025 Net Interest Income In millions $30 $70 2016 2017 2018 2019 2020 2021 2022 2023 2024 Q3 2025 Efficiency Ratio 94.15% 52.28% 2016 2017 2018 2019 2020 2021 2022 2023 2024 Q3 2025 PTPP ROAA 0.24% 1.69% 2016 2017 2018 2019 2020 2021 2022 2023 2024 Q3 2025 (1) Loan amounts include deferred fees/costs. (2) ACL was calculated under the CECL standard methodology for all periods beginning January 1, 2023, and the incurred loss methodology for all periods before. (3) Non-GAAP financial measure. See reconciliation in this presentation. 13
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 (2) $209,095 $231,583 $213,916 Income Statement Net Interest Income $21,274 $21,034 $18,109 Non-Interest Income $3,684 $3,370 $3,438 Total Revenue (3) $24,958 $24,404 $21,547 Provision for Credit Losses $105 $1,031 $931 Non-Interes t Expense $13,048 $12,634 $11,454 Net Income $8,939 $8,140 $6,949 Diluted Earning Per Share (EPS) $0.45 $0.40 $0.35 Weighted Average Diluted Shares 19,755,820 20,295,794 19,825,211 (1) Loan amounts include deferred fees/costs. (2) Total Equity includes accumulated other comprehensive loss of $37.8 million for Q3 2025, $41.8 million for Q2 2025, and $38.0 million for Q3 2024. (3) Equals net interest income plus non-interest income. 14
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 $11.53 $10.90 PROFITABILITY Return On Average Assets (ROAA) (4) 1.27% 1.22% 1.11% Return On Average Equity (ROAE) (4) 15.74% 14.29% 13.38% Net Interest Margin (4) 3.14% 3.28% 3.03% Efficiency Ratio 52.28% 51.77% 53.16% Non-Interest Expense/Avg. Assets (4) 1.85% 1.89% 1.83% CAPITAL/CREDIT Tangible Common Equity/Tangible Assets (2) 7.55% 8.52% 8.54% Total Risk-Based Capital (5) 14.20% 13.73% 13.22% NCO/Avg Loans (4) 0.00% 0.14% 0.00% NPA/Assets 0.05% 0.05% 0.11% Allowance for Credit Losses/Loans 1.17% 1.18% 1.19% (1) Loan amounts include deferred fees/costs. (2) Non-GAAP financial measures. See reconciliation in this presentation. (3) AOCI effect on tangible book value per share was ($2.09) for Q3 2025, ($2.08) for Q2 2025 and ($1.94) for Q3 2024. (4) Annualized. (5) Reflects the Company's regulatory capital ratios which are provided for informational purposes only; as a small bank holding company, the Company is not subject to regulatory capital requirements. 15
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 market and savings Time deposits Deposit Cost 2.66% 2.76% 2.48% 2.43% 2.49% 3.34% 2.46% 3.29% 2.53% 3.29% Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Deposit Cost (1) Interest -Bearing Deposit cost Commentary Average deposits increased $166.4 million or 28.8% annualized compared to the prior quarter and increased $379.5 million or 18.3% compared to the third quarter 2024. DDA average balance decreased $10.6 million compared to prior quarter. DDAs comprised 23.2% of total deposits for the third quarter 2025. Interest-bearing deposit costs remained at 3.29% compared to prior quarter and decreased 47 bps compared to the third quarter 2024. Total deposit cost increased 7 bps compared to prior quarter, primarily due to the decrease in DDA balance. 16
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 Balance Sheet Liquidity Cash $7 Due from banks $46 Investment securities unpledged $297 Total on balance sheet liquidity (Liquid Assets) $350 Off Balance Sheet Liquidity FHLB excess capacity $330 Federal Reserve Discount Window $34 Fed Fund Lines $145 Total off balance sheet liquidity $509 Total Liquidity $859 Commentary We believe we are well positioned to weather the current economic environment. We have ample sources of liquidity, both on and off-balance sheet. Continued growth of both deposits and loans maintained an average loan-to-deposit of approximately 88.5% over for the past three quarters. Loan-to-Deposit Ratio 90.8% 90.7% 88.2% 90.5% 86.8% Liquidity calculation excludes vault cash reserves 17
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 $269 $283 $298 $301 $307 $317 $1,095 $1,128 $1,150 $1,207 $1,226 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Commercial real estate Residential real estate Commercial and industrial Correspondent banks Consumer and other Commentary Average loans increased $41.6 million or 8.0% annualized compared to prior quarter and $220.8 million or 11.8% compared to third quarter 2024. Loan yield declined slightly to 6.21% in Q3 2025, driven by the payoff of consumer yacht loans during the quarter. Excluding the effect of consumer yacht loans payoffs, yield on loans was 6.25%. (1) Excludes deferred fees/cost. 18
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 Trend EOP (1) In millions, except for ratios $948 $2,125 28% 15% 63% 58% 9% 27% Jun-20 Sep-25 Residential real estate Commerical real estate Real estate Loans Commercial and industrial, correspondent banks, and Consumer and other (1) Excludes deferred fees/cost. Commentary $501.0 million in gross loan production for year-to-date 2025. 59% of Q3 2025 loan production closed in September; full impact on interest income is expected to be realized in the fourth quarter 2025. The weighted average coupon on new loans was 6.43% for the third quarter of 2025, 22 bps above the portfolio weighted average yield. Continued loan composition shift from real estate loans to non-CRE loans further diversifies our loan portfolio. 19
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% 78% Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Total Loans Investment Securities Cash Balances & Equivalents Commentary Net interest income increased $240 thousand or 4.5% annualized compared to prior quarter and increased $3.2 million or 17.5% compared to third quarter 2024. NIM was impacted by a shift in interest-earning assets mix, with higher cash balances and lower loan production. Additionally, interest-bearing liabilities increased at a faster rate than interest-earning assets, contributing to margin pressure. Interest Rates and Yields Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Loans 6.32% 6.25% 6.17% 6.23% 6.21% Investment securities 2.61% 2.63% 2.81% 3.06% 3.03% Interest-earning assets 5.61% 5.57% 5.51% 5.64% 5.56% Deposits (2) 2.66% 2.48% 2.49% 2.46% 2.53% Interest bearing liabilities 3.79% 3.47% 3.37% 3.32% 3.34% (1) Annualized. (2) Reflects effects of non-interest-bearing deposits. 20
INTEREST RATE SENSITIVITY Loan Portfolio Repricing Profile By Rate Type Hybrid ARM 2% Fixed Rate 38% Variable Rate 60% 32% 9% 59% Prime CMT SOFR Loan Repricing Schedule Variable/Hybrid Rate Loans 22% 47% 18% 13% 0-1 yrs. 1-2 yrs. 2-3 yrs. >3 yrs. Static NII Simulation year 1 & 2 3.5% -100 +100 -2.9% -100 -0.3% 0.04% +100 Net Interest Income change from base ($ in thousands and % change) 21
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% HTM as % of portfolio 33% Qtr. weighted avg. port. yield 3.03% Average life 6.4 Modified duration 5.1 Commentary Securities portfolio totaled $480.5 million; 67% of the portfolio is classified as AFS, while 33% is classified as HTM. The modified duration is 5.1 and the average life is 6.4 years. Duration has increased because we have purchased longer-duration bonds to protect the balance sheet from expected lower interest rates. We expect to receive $14.4 million from the securities portfolio for the remainder of 2025, at current rates; these cashflows will support loan growth and/or deposit volatility. If rates drop 100 bps, we expect to receive $16.4 million. 79% of the portfolio is invested in agency mortgage-backed securities, boosting liquidity. Estimated Short Term Cashflows -100 Base +100 Q4 2025 $16.4 $14.4 $14.0 2026 $76.4 $62.7 $58.6 2027 $58.9 $53.2 $49.3 Total Cashflow $151.7 $130.3 $121.9 Total Cashflow / Total Portfolio 31.57% 27.12% 25.40% 22
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% 0.06% $2,725 $2,707 $4,156 $1,366 $1,310 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Non-accrual loans Non-performing loans total loans Commentary Allowance for credit losses increased $31 thousand compared to prior quarter and $1.9 million compared to third quarter 2024. 0.36% 0.37% 0.44% 0.27% 0.22% Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 ACL coverage ratio decreased 1 bps to 1.17% compared to prior quarter due to slight decrease in expected loss rates and the payoff of an individually reserved loan during the quarter. Classified Loans (1) to Total Loans (1) Loans classified as substandar d at period end. No loans classified doubtful at any of the dates presented. 23
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% Multifamily 19% CRE - Owner Occupied 16% Office 10% $1,226MM As of 9/30/25 (1) Excludes deferred fees/cost (2) Includes loan types: office, warehouse, retail, and other Commentary Total loan balance at quarter end was $2,125 million (1). Commercial Real Estate (owner occupied and non-owner occupied) was 57.7% or $1,226 million of the total loan portfolio(1). CRE mix is diversified and granular. Retail non-owner occupied makes up 26% of total CRE or $321.6 million. CRE Loan Portfolio (non-owner occupied and owner occupied) Weighted Average Loan Type Outstanding Balance (1) LTV (2) DSCR (3) Average Loan Size (1) Retail $342 55% 1.53 $3.0 Multifamily $237 57% 1.31 $1.8 Office $187 54% 1.91 $1.6 Warehouse $185 55% 1.62 $1.6 Hotel $121 57% 2.12 $4.5 Other $74 56% 2.01 $1.6 Land/Construction $80 51% NA $3.5 (1) Balance in millions. Excludes deferred fees/cost. (2) LTV - Loan to value ratio. (3) DSCR - Debt service coverage ratio. 24
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 sale ($28) - - - - Gain on sale of loans held for sale $128 $151 $525 $154 $109 Other income $923 $817 $860 $806 $785 Total non-interest income $3,684 $3,370 $3,716 $3,627 $3,438 Average total assets $2,798,115 $2,677,198 $2,606,593 $2,544,592 $2,485,434 Non-interest income/Average assets (1) 0.52% 0.50% 0.58% 0.57% 0.55% Commentary Non-interest income increased $314 thousand compared to prior quarter, primarily due to increase in SWAP fees. Gain on sale of SBA 7a loans represented $128 thousand for the third quarter 2025. Non-interest income was 14.8% of total revenue for third quarter 2025 and 0.52% to average assets. (1) Annualized. 25
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 Network and information technology services 656 564 505 494 513 Other operating expense 2,139 2,120 2,013 2,136 1,787 Total non-interest expense $13,048 $12,634 $12,052 $12,854 $11,454 Efficiency ratio 52.28% 51.77% 52.79% 55.92% 53.16% Non-interest expense/Average assets (1) 1.85% 1.89% 1.88% 2.01% 1.83% Full-time equivalent employees 206 203 201 199 198 Commentary Salaries and employee benefits decreased slightly quarter-over-quarter, but increased by $709 thousand year-over-year, primarily due to increase in FTEs and higher restricted stock award expense. Consulting and legal fees increased $322 thousand compared to the prior quarter. This includes $92 thousand related to the S-3 filing and $96 thousand due to the administration expense related to the interest rate collars. Efficiency ratio remained below 53% for the third consecutive quarter, while non-interest expense to average assets was stable at 1.85%, consistent with recent quarters. (1) Annualized. 26
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 August 2025, the Company issued an aggregate of $40.0 million in subordinated notes; the majority of proceeds were used to repurchase 2.0 million shares of the Company’s Class A common stock or approximately 10% of shares outstanding. The Company paid in September 2025 a cash dividend of $0.10 per share on the Company’s Class A common stock; the aggregate distributed dividend amount was $2.0 million. Q3 2025 EOP common stock shares outstanding: 18,107,385. (1) Reflects the Company's regulatory capital ratios which are provided for informational purposes only; as a small bank holding company, the Company is not subject to regulatory capital requirements. (2) Non-GAAP financial measures. See reconciliation in this presentation. 27
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 profitability profile since 2015 recap further improved by current management team 6. Strong asset quality – minimal charge-offs experienced since 2015 recap 7. Attractive deposit base driven by steady growth in specialized verticals 8. Balanced liquidity profile with a 87% loan/deposit ratio (EOP) 28
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 exist at the enterprise, strategic, financial, operational, compliance and reporting levels). The risk management and compliance division consists of twenty-two professionals covering enterprise risk management, cybersecurity, third-party risk, bank secrecy, consumer compliance, regulatory, corporate, and legal affairs. The division plays an active role in assessing corporate risks, compliance and collaborating with management to mitigate identified risks. Heightened focus on BSA / AML / KYC compliance due to foreign exposure. Individual country loan exposure limited to between 0% - 70% of total capital based on individual country risk. Correspondent banking services offered exclusively to institutions in countries meeting U.S. Century’s robust risk tolerance framework. Highly experienced compliance team with international compliance experience from larger banking institutions. The audit and risk committee of the board of directors consists of four members responsible for complete oversight of Company’s risk management, compliance, and internal controls: Ramon Rodriguez (Chair), Bernardo Fernandez, Ramón Abadin and Maria Alonso. Credit Philosophy Conservative credit culture that encourages prudent and desirable loans over unchecked growth. Underwriting strength stems from deep understanding of U.S. Century’s market, long-standing relationships with clients, and a disciplined underwriting and credit review process. Focused on maintaining a well-diversified and conservative loan portfolio. Robust Credit Administration Underwriting group supported by experienced
credit officers with both credit analysis and lending experience. Effective and independent loan review. Credit Committee meetings conduct in-depth loan portfolio monitoring, including concentration limits. Active monitoring and reporting on existing or emerging concentrations and targeted reviews of any higher risk portfolios. 7 29
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 Issue Debit Card once October ‘16 - March ‘17 • / 1 v —— Cash Management Portal 1 1 — August ‘16 - March ‘17 • / 1 . () Eedlink Anywhere April 17 - September 17 • / 2018 A v = Network In-housing s sanuory 18 - september 18 • J / v . , SecureworksMSSP Secureworks Y Januory 18 - Moy 18 • J / . •u,, . OFFICE 365 " "itromon Febeu0ry<18_Sepfember'1B 2019 v — : — Horizon Core Conversion 1 — September ‘18 - September ‘19 • / 1 % Zelle P2P VVVV June 19 - November 19 J Zelle E NCR Image Deposit ATM March 19 - December 19 / 2020 1 v i Accounts Payable 1 November '19-Januory ‘20 / v mm. Collaboration Applications " " February ‘20 - March ‘20 • / A . ~ M Ran 1 PPP Loan Origination System May ‘20 - June ‘20 • / X banktel ________ 2021 Summit PPP Loan Origination " January ‘21 - February ‘21 • / D v Treasury Management Platform November ‘20 - October ‘21 v . immutable backup solution Co Jon 21-June‘21 • / / . CECL and ALLL Application © anngo June ‘21 - December ‘21 • / Continued next slide 30
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 - October ‘23 • _____ 1 . 2024 — Piagin real time payments Pidgin January ‘23 - October ‘23 / Check fraud application ______ ___ 2025 - 2026 CRM system • zelle Zelle for Small Business / Financial reporting application ______ / Microsoft CoPilot GenAl ______ ___ / ACH Positive Pay/ACH Alert _____ / / Account analysis solution ___ / Siem Solution ______ / Power Automate front end automation ______ / / Commercial Account Opening / o. PBX (Saas) - Teams Calling November ‘23-Aprif ‘25 — / Wire fraud application ______ _____ / Ascent LOS front end -, Cloud (laas) for DR environment July ‘23 - May ‘25 Perplexity Pro Al (Enterprise) AFS/True ACH 31
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 income Less: Net losses on sale of securities Less: Tax effect on sale of securities Operating net income Operating PTPP income: PTPP income Less: Net losses on sale of securities Operating PTPP income As of or For the Three Months Ended 9/30/2025 6/30/2025 3/31/2025 12/31/2024 9/30/2024 (1) $ 8,939 $ 8,140 $ 7,658 $ 6,904 $ 6,949 2,866 2,599 2,440 2,197 2,213 105 1,031 681 1,030 931 s 11,910 $ 11,770 $ 10,779 $ 10,131 s 10,093 (1) $ 11,910 $ 11,770 $ 10,779 $ 10,131 $ 10,093 $ 2,798,115 $ 2,677,198 $ 2,606,593 $ 2,544,592 $ 2,485,434 (2) 1.69% 1.76% 1.68% 1.58% 1.62% (1) $ 8,939 $ 8,14 0 $ 7,658 $ 6,904 $ 6,949 (28) - - - - s 7 8,960 s 8,140 s 7,658 s 6,904 s 6,949 (1) $ 11,910 $ 11,770 $ 10,779 $ 10,131 $ 10,093 (28) - - - - $ 11,938 $ 11,770 $ 10,779 $ 10,131 $ 10,093 Operating PTPP return on average assets: (1) Operating PTPP income $ 11,938 $ 11,770 $ 10,779 $ 10,131 $ 10,093 Average assets $ 2,798,115 $ 2,677,198 $ 2,606,593 $ 2,544,592 $ 2,485,434 Operating PTPP return on average assets (2) 1.69% 1.76% 1.68% 1.58% 1.62% Operating return on average assets: (1) Operating net income $ 8,960 $ 8,140 $ 7,658 $ 6,904 $ 6,949 Average assets $ 2,798,115 $ 2,677,198 $ 2,606,593 $ 2,544,592 $ 2,485,434 Operating return on average assets (2) 1.27% 1.22% 1.19% 1.08% 1.11% Operating return on average equity: (1) Operating net income $ 8,960 $ 8,140 $ 7,658 $ 6,904 $ 6,949 Average equity $ 225,316 $ 228,492 $ 219,505 $ 215,715 $ 206,641 Operating return on average equity (2) 15.78% 14.29% 14.15% 12.73% 13.38% Operating Revenue: (1)
Net interest income $ 21,274 $ 21,034 $ 19,115 $ 19,358 $ 18,109 Non-interest income 3,684 3,370 3,716 3,627 3,438 Less: Net losses on sale of securities (28) - - - - Operating revenue s 24,986 $ 24,404 $ 22,831 $ 22,985 $ 21,547 Operating Efficiency Ratio: Total non-interest expense Operating revenue Operating efficiency ratio $ 13,048 $ 12,634 $ 12,052 $ 12,854 $ 11,454 $ 24,986 $ 24,404 $ 22,831 $ 22,985 $ 21,547 52.22% 51.77% 52.79% 55.92% 53.16% 1. The Company believes these non-GA A P measurements are key indicators of the ongoing earnings power of the Company. 2. Annualized. 32
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 Less: Intangible assets - - - - - Tangible stockholders' equity $ 209,095 $ 231,583 $ 225,088 $ 215,388 $ 213,916 Total shares issued and outstanding (at period-end): Total common shares issued and outstanding _18,107,385 20,078,385 20,048,385 19,924,632 19,620,632 Tangible bookvalue per common share (2) $11.55 $ 11.53 $ 11.23 $ 10.81 $ 10.90 Operating diluted net income per common share: (1) Operating net income $ 8,960 $ 8,140 $ 7,658 $ 6,904 $ 6,949 Total weighted average diluted shares of common stock _19,755,820 20,295,794 20,319,535 20,183,731 19,825,211 Operating diluted net income per common share: $ 0.45 $ 0.40 $ 0.38 $ 0.34 $ 0.35 Tangible Common Equity/Tangible Assets (1) Tangible stockholders’ equity $ 209,095 $ 231,583 $ 225,088 $ 215,388 $ 213,916 Tangible total assets (3) $ 2,767,945 $ 2,719,474 $ 2,677,382 $ 2,581,216 $ 2,503,954 Tangible Common Equity frangible Assets 7.55% 8.52% 8.41% 8.34% 8.54% 1. The Company believes these non- GAAP measurements are key indicators of the ongoing earnings power of the Company. 2. Excludes the dilutive effect, if any, of shares of common stock issuable upon exercise of outstanding stock options. 3. Since the Company has no intangible assets, tangible stockholders’ equity and tangible total assets are the same amounts as stockholders’ equity and total assets, respectively, as calculated under GAAP. 33
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