8-K

1

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON,

D.C. 20549

__________________________

FORM

8-K

__________________________

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act

of 1934

Date of Report (Date of earliest event reported):

October 23, 2025

__________________________

USCB Financial Holdings, Inc.

(Exact name of Registrant as Specified in Its Charter)

__________________________

Florida

001-41196

87-4070846

(State or Other Jurisdiction

of Incorporation)

(Commission File Number)

(IRS Employer

Identification No.)

2301 N.W. 87th Avenue

,

Doral

,

Florida

33172

(Address of Principal Executive Offices)

(Zip Code)

Registrant’s Telephone

Number, Including Area Code: (

305

)

715-5200

__________________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation

of the registrant under

any of the following provisions:

☐

Written communications pursuant

to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a

-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b)

under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange

Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading

Symbol(s)

Name of each exchange on which registered

Class A common stock, $1.00 par value per share

USCB

The Nasdaq Stock Market LLC

Indicate by

check mark

whether the

registrant is

an emerging

growth company

as defined

in Rule

405 of

the Securities

Act of

1933

(§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b

-2 of this chapter).

Emerging growth company

☒

If

an

emerging

growth

company,

indicate

by

check

mark

if

the

registrant

has

elected

not

to

use

the

extended

transition

period

for

complying with any new or revised financial accounting standards provided

pursuant to Section 13(a) of the Exchange Act.

☐

2

Item 2.02. Results of Operations and Financial Condition.

On October 23, 2025,

USCB Financial Holdings, Inc.

(the “Company”) issued a

press release announcing its

financial results

for the quarter ended

September 30, 2025. A copy

of the press release is furnished

as Exhibit 99.1 to

this Current Report on Form

8-K

(“Form 8-K”) and is incorporated herein by reference.

The information in this

Item 2.02, including

Exhibit 99.1 hereto,

is being furnished

and shall not

be deemed “filed”

for purposes

of Section 18 of the

Securities Exchange Act of

1934 (the “Exchange Act”),

or otherwise be subject to

the liability of that section,

and

shall

not

be

deemed

to

be

incorporated

by

reference

into

any

filing

under

the

Securities

Act

of

1933

(the

“Securities

Act”)

or

the

Exchange Act except as expressly set forth by specific reference in such filing to

this Form 8-K.

Item 7.01. Regulation FD Disclosure.

As previously announced, at 11:00 a.m. ET on October 24, 2025, the Company

will hold an earnings conference call to

discuss

its financial performance

for the quarter ended

September 30, 2025. A copy

of the slides forming

the basis of the presentation

is being

furnished as

Exhibit 99.2

to this

Form 8-K

and is

incorporated herein

by reference.

A copy

of the

slides has

also been

posted to

the

Company’s investor relations website,

located at investors.uscenturybank.com.

The information in this

Item 7.01, including

Exhibit 99.2 hereto,

is being furnished

and shall not

be deemed “filed”

for purposes

of Section 18 of the Exchange Act, or otherwise be subject to the liability of that section, and shall not be deemed to be incorporated by

reference into any filing under the

Securities Act or the Exchange Act

except as set forth by

specific reference in such filing to this

Form

8-K.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No.

Description

99.1

USCB Financial Holdings, Inc. Press Release, dated October 23, 2025

99.2

Earnings Presentation, dated October 23, 2025

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

3

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 23, 2025

exhibit991

1

Exhibit 99.1

EARNINGS RELEASE

USCB Financial Holdings, Inc. Reports Record Fully Diluted EPS of

$0.45 for Q3 2025; ROAA of 1.27% and

ROAE of 15.74%

MIAMI, FL – October 23, 2025 – USCB Financial Holdings, Inc. (the

“Company”) (NASDAQ: USCB)

, the holding company for

U.S.

Century

Bank

(the

“Bank”),

reported

net

income

of

$8.9

million

or

$0.45

per

fully

diluted

share

for

the

three

months

ended

September 30, 2025, compared with net income of $6.9 million or $0.35

per fully diluted share for the same period in 2024.

“This marks

our third

consecutive

quarter of

record fully

diluted earnings

per share,

reflecting the

consistency and

resilience

of our

operating model,” said Luis de la

Aguilera, Chairman, President and CEO.

“Our profitability ratios place us among

the top performing

peers in

the industry,

while our

credit metrics

and efficiency

continue to

compare favorably

to peers. These

results reflect disciplined

execution and a continued focus on long-term value creation.”

Unless otherwise stated, all percentage

comparisons in the bullet points

below are calculated at

or for the quarter

ended September 30,

2025 compared to at or for the quarter ended September 30, 2024

and annualized where appropriate.

Profitability

•

Annualized return on average assets for the quarter

ended September 30, 2025 was 1.27%

compared to 1.11% for the third

quarter

of 2024.

•

Annualized return on average stockholders’ equity for the quarter ended September

30, 2025 was 15.74% compared to 13.38% for

the third quarter of 2024.

•

The efficiency ratio for the quarter ended September 30,

2025 was 52.28% compared to 53.16% for the third quarter of 2024.

•

Net interest margin for the quarter ended September 30, 2025

was 3.14%

compared to 3.03% for the third quarter of 2024.

•

Net interest income

before provision for

credit losses was

$21.3 million for

the quarter ended

September 30, 2025, an

increase of

$3.2 million or 17.5% compared to $18.1 million for the same period in 2024.

Balance Sheet

•

Total

assets

were

$2.8

billion

at

September 30,

2025,

representing

an

increase

of

$264.0 million

or

10.5%

from

$2.5

billion

at

September 30, 2024.

•

Total loans held for investment were

$2.1 billion at September 30, 2025, representing an increase of $199.6 million or 10.3% from

$1.9 billion at September 30, 2024.

•

Total

deposits were

$2.5 billion at

September 30, 2025,

representing an

increase of

$329.0 million or

15.5% from

$2.1 billion

at

September 30, 2024.

•

Total stockholders’ equity was $209.1

million at September 30, 2025, representing a decrease of $4.8 million or 2.3% from $213.9

million

at

September 30,

2024.

Total

stockholders’

equity

included

accumulated

other

comprehensive

loss

of

$37.8

million

at

September 30, 2025 compared to accumulated other comprehensive loss of

$38.0 million at September 30, 2024.

•

On August 14, 2025, the

Company entered into a Subordinated

Note Purchase Agreement with certain qualified

institutional buyers

pursuant to

which the

Company sold

and issued

$40.0 million

in aggregate

principal amount

of its

7.625% fixed-to-floating

rate

subordinated notes due August 15, 2035 in a private placement transaction. This transaction was conducted under the provisions of

Regulation D promulgated under the Securities Act 1933. The subordinated notes were issued by the Company to the purchasers at

a price equal to 100% of their face amount.

2

Asset Quality

•

The allowance

for credit

losses (“ACL”)

increased by

$1.9 million

to $25.0 million

at September 30,

2025 from

$23.1 million

at

September 30, 2024.

•

The ACL represented 1.17% of total loans at September 30, 2025

and 1.19% at September 30, 2024.

•

The provision for credit loss was $105 thousand for the quarter

ended September 30, 2025, a decrease of $826 thousand compared

to $931 thousand for the same period in 2024.

•

The

ratio

of

non-performing

loans

to

total

loans

was

0.06%

at

September 30,

2025

and

0.14%

at

September 30,

2024.

Non-

performing loans totaled $1.3 million at September 30, 2025 and

$2.7 million at September 30, 2024.

Non-interest Income and Non-interest Expense

•

Non-interest

income was

$3.7

million

for

the

three

months

ended September 30,

2025,

an

increase

of

$246

thousand

or

7.2%

compared to $3.4 million for the same period in 2024.

•

Non-interest

expense

was

$13.0 million

for

the

three

months

ended

September 30,

2025,

an

increase

of

$1.6

million

or

13.9%

compared to $11.5 million for the same period

in 2024.

Capital

•

On August 14, 2025, the Company entered into a

Subordinated Note Purchase Agreement pursuant to which the Company sold and

issued an aggregate of $40.0 million of

subordinated notes. The majority of the proceeds

were used to repurchase 2.0 million

shares

of Class A common

stock from certain institutional

shareholders through a privately

negotiated transaction,

at a weighted average

price per

share of $17.19.

The aggregate

purchase price

for these transactions

was approximately

$34.4 million.

The repurchases

were supplemental and not

part of the

Company’s two previously announced stock repurchase

programs. As of September

30, 2025,

528,309 shares remain authorized for repurchase under the Company’s

two share repurchase programs.

•

On October 20,

2025, the Company’s

Board of Directors

declared a quarterly

cash dividend of

$0.10 per share

of the Company’s

Class

A

common

stock.

The

dividend

will

be

paid

on

December

5,

2025

to

shareholders

of

record

at

the

close

of

business

on

November 14, 2025.

•

As of

September 30, 2025,

total risk-based

capital ratios

for the

Company and

the Bank

were 14.20%

and 13.93%,

respectively,

well in excess of regulatory requirements.

•

Tangible

book value

per common

share (a

non-GAAP measure)

was $11.55

at September 30,

2025, representing

an increase

of

$0.65 or 5.9% from $10.90 at September 30, 2024.

At September 30, 2025, tangible book value per common

share was negatively

affected by ($2.09) per share due to an accumulated other comprehensive loss of $37.8 million mostly due to

changes in the market

value of the Company’s available for sale securities. At September 30,

2024, tangible book value per common

share was negatively

affected by ($1.94) per share due to an

accumulated other comprehensive loss of $38.0 million. 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.

Conference Call and Webcast

The Company will host a conference call on Friday,

October 24, 2025, at 11:00 a.m. Eastern Time

to discuss the Company’s unaudited

financial results

for the quarter

ended September 30, 2025.

To

access the conference

call, dial (833)

816-1416 (U.S. toll-free)

and ask

to join the USCB Financial Holdings Call.

Additionally,

interested

parties can

listen to

a live

webcast

of the

call in

the “Investor

Relations” section

of the

Company’s

website

at www.uscentury.com

.

An archived version of the webcast will be available in the same location shortly after

the live call has ended.

About USCB Financial Holdings, Inc.

USCB Financial Holdings, Inc.

is the bank holding company for

U.S. Century Bank. Established in 2002,

U.S. Century Bank is one of

the largest

community banks

headquartered

in Miami,

and one

of the

largest community

banks in

the State

of Florida.

U.S. Century

Bank is rated 5-Stars by BauerFinancial, the nation’s leading independent

bank rating firm. U.S. Century Bank offers customers a wide

range of

financial products

and services

and supports

numerous community

organizations,

including

the Greater

Miami Chamber

of

Commerce, the South Florida Hispanic Chamber of Commerce, and ChamberSouth. For more information about us

or to find a banking

center near you, please call (305) 715-5200 or visit www.uscentury.com.

3

Forward-Looking Statements

This earnings release

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,” “seek,” “continue,” 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.

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

credit

loss

reserve

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 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,

including the enactment of the

Big Beautiful Bill and changes

in accounting principles, policies,

practices or guidelines, including the on-going effects 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

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 earnings release 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

earnings release are

made only as

of the date

hereof, and we

undertake no obligation

to update or revise any forward-looking statement to reflect events

or circumstances 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 the Company has filed or will file with the

SEC.

Non-GAAP Financial Measures

This earnings release

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

measures

because

it

believes

these

measures

may

provide

useful

supplemental

information

for

evaluating

the

Company’s

operations 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

4

measures

to

the most

directly

comparable

GAAP measures

can be

found

in the

‘Non-GAAP

Reconciliation

Tables’

included

in the

exhibits to this earnings release.

All numbers included in this press release are unaudited unless otherwise noted.

Contacts:

Investor Relations

InvestorRelations@uscentury.com

Media Relations

Martha Guerra-Kattou

MGuerra@uscentury.com

5

USCB FINANCIAL HOLDINGS, INC.

CONSOLIDATED STATEMENTS

OF INCOME (UNAUDITED)

(Dollars in thousands, except per share data)

Three Months Ended September 30,

Nine Months Ended September 30,

2025

2024

2025

2024

Interest income:

Loans, including fees

$

32,866

$

29,819

$

95,057

$

84,479

Investment securities

3,522

2,754

9,978

8,634

Interest-bearing deposits in financial institutions

1,332

989

2,817

3,953

Total interest income

37,720

33,562

107,852

97,066

Interest expense:

Interest-bearing checking deposits

286

411

909

1,171

Savings and money market deposits

10,343

10,064

29,088

30,529

Time deposits

5,036

3,391

13,297

9,907

FHLB advances

377

1,587

2,731

4,881

Subordinated notes

404

-

404

-

Total interest expense

16,446

15,453

46,429

46,488

Net interest income before provision for credit losses

21,274

18,109

61,423

50,578

Provision for credit losses

105

931

1,817

2,127

Net interest income after provision for credit losses

21,169

17,178

59,606

48,451

Non-interest income:

Service fees

2,661

2,544

7,394

6,172

(Loss) gain on sale of securities available for sale, net

(28)

-

(28)

14

Gain on sale of loans held for sale, net

128

109

804

593

Other non-interest income

923

785

2,600

2,334

Total non-interest income

3,684

3,438

10,770

9,113

Non-interest expense:

Salaries and employee benefits

7,909

7,200

23,499

20,863

Occupancy

1,382

1,341

4,003

3,921

Regulatory assessments and fees

377

452

1,194

1,361

Consulting and legal fees

585

161

1,041

1,016

Network and information technology services

656

513

1,725

1,499

Other operating expense

2,139

1,787

6,272

5,528

Total non-interest expense

13,048

11,454

37,734

34,188

Net income before income tax expense

11,805

9,162

32,642

23,376

Income tax expense

2,866

2,213

7,905

5,606

Net income

$

8,939

$

6,949

$

24,737

$

17,770

Per share information:

Net income per common share, basic

$

0.46

$

0.35

$

1.25

$

0.90

Net income per common share, diluted

$

0.45

$

0.35

$

1.23

$

0.90

Cash dividends declared

$

0.10

$

0.05

$

0.30

$

0.15

Weighted average shares outstanding:

Common shares, basic

19,524,798

19,621,447

19,866,514

19,653,103

Common shares, diluted

19,755,820

19,825,211

20,106,050

19,761,242

6

USCB FINANCIAL HOLDINGS, INC.

SELECTED FINANCIAL DATA (UNAUDITED)

(Dollars in thousands, except per 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

Income statement data:

Net interest income before provision for credit losses

$

21,274

$

21,034

$

19,115

$

19,358

$

18,109

Provision for credit losses

105

1,031

681

1,030

931

Net interest income after provision for credit losses

21,169

20,003

18,434

18,328

17,178

Service fees

2,661

2,402

2,331

2,667

2,544

Loss on sale of securities available for sale, net

(28)

-

-

-

-

Gain on sale of loans held for sale, net

128

151

525

154

109

Other non-interest income

923

817

860

806

785

Total non-interest income

3,684

3,370

3,716

3,627

3,438

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

Net income before income tax expense

11,805

10,739

10,098

9,101

9,162

Income tax expense

2,866

2,599

2,440

2,197

2,213

Net income

$

8,939

$

8,140

$

7,658

$

6,904

$

6,949

Per share information:

Net income per common share, basic

$

0.46

$

0.41

$

0.38

$

0.35

$

0.35

Net income per common share, diluted

$

0.45

$

0.40

$

0.38

$

0.34

$

0.35

Cash dividends declared

$

0.10

$

0.10

$

0.10

$

0.05

$

0.05

Balance sheet data (at period-end):

Cash and cash equivalents

$

56,811

$

54,819

$

97,984

$

77,035

$

38,486

Securities available-for-sale

$

324,179

$

285,382

$

275,139

$

260,221

$

259,527

Securities held-to-maturity

$

156,365

$

158,740

$

161,790

$

164,694

$

167,001

Total securities

$

480,544

$

444,122

$

436,929

$

424,915

$

426,528

Loans held for investment

(1)

$

2,130,966

$

2,113,318

$

2,036,212

$

1,972,848

$

1,931,362

Allowance for credit losses

$

(24,964)

$

(24,933)

$

(24,740)

$

(24,070)

$

(23,067)

Total assets

$

2,767,945

$

2,719,474

$

2,677,382

$

2,581,216

$

2,503,954

Non-interest-bearing demand deposits

$

584,240

$

584,895

$

605,489

$

575,159

$

637,313

Interest-bearing deposits

$

1,871,374

$

1,750,766

$

1,704,080

$

1,598,845

$

1,489,304

Total deposits

$

2,455,614

$

2,335,661

$

2,309,569

$

2,174,004

$

2,126,617

FHLB advances

$

11,000

$

108,000

$

108,000

$

163,000

$

118,000

Subordinated notes

$

39,262

$

-

$

-

$

-

$

-

Total liabilities

$

2,558,850

$

2,487,891

$

2,452,294

$

2,365,828

$

2,290,038

Total stockholders' equity

$

209,095

$

231,583

$

225,088

$

215,388

$

213,916

Capital ratios:

(2)

Leverage ratio

8.47%

9.72%

9.61%

9.53%

9.34%

Common equity tier 1 capital

11.17%

12.52%

12.48%

12.28%

12.01%

Tier 1 risk-based capital

11.17%

12.52%

12.48%

12.28%

12.01%

Total risk-based capital

14.20%

13.73%

13.72%

13.51%

13.22%

(1)

Loan amounts include deferred fees/costs.

(2)

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. The Bank's total risk-based

capital at September 30, 2025 was 13.93%.

7

USCB FINANCIAL HOLDINGS, INC.

AVERAGE BALANCES, RATIOS, AND OTHER DATA

(UNAUDITED)

(Dollars in thousands)

As of or For the Three Months Ended

9/30/2025

6/30/2025

3/31/2025

12/31/2024

9/30/2024

Average balance sheet data:

Cash and cash equivalents

$

139,389

$

71,388

$

82,610

$

56,937

$

87,937

Securities available-for-sale

$

299,892

$

281,840

$

265,154

$

255,786

$

244,882

Securities held-to-maturity

$

157,702

$

160,443

$

163,510

$

165,831

$

168,632

Total securities

$

457,594

$

442,283

$

428,664

$

421,617

$

413,514

Loans held for investment

(1)

$

2,099,043

$

2,057,445

$

1,986,856

$

1,958,566

$

1,878,230

Total assets

$

2,798,115

$

2,677,198

$

2,606,593

$

2,544,592

$

2,485,434

Interest-bearing deposits

$

1,887,545

$

1,710,568

$

1,652,147

$

1,547,789

$

1,468,067

Non-interest-bearing demand deposits

$

569,522

$

580,121

$

563,040

$

590,829

$

609,456

Total deposits

$

2,457,067

$

2,290,689

$

2,215,187

$

2,138,618

$

2,077,523

FHLB advances

$

40,065

$

116,527

$

138,944

$

151,804

$

156,043

Subordinated notes

$

26,029

$

-

$

-

$

-

$

-

Total liabilities

$

2,572,799

$

2,448,706

$

2,387,088

$

2,328,877

$

2,278,793

Total stockholders' equity

$

225,316

$

228,492

$

219,505

$

215,715

$

206,641

Performance ratios:

Return on average assets

(2)

1.27%

1.22%

1.19%

1.08%

1.11%

Return on average equity

(2)

15.74%

14.29%

14.15%

12.73%

13.38%

Net interest margin

(2)

3.14%

3.28%

3.10%

3.16%

3.03%

Non-interest income to average assets

(2)

0.52%

0.50%

0.58%

0.57%

0.55%

Non-interest expense to average assets

(2)

1.85%

1.89%

1.88%

2.01%

1.83%

Efficiency ratio

(3)

52.28%

51.77%

52.79%

55.92%

53.16%

Loans by type (at period end):

(4)

Residential real estate

$

316,557

$

307,020

$

301,164

$

289,961

$

283,477

Commercial real estate

$

1,226,121

$

1,206,621

$

1,150,129

$

1,136,417

$

1,095,112

Commercial and industrial

$

269,430

$

263,966

$

256,326

$

258,311

$

246,539

Correspondent banks

$

104,598

$

110,155

$

103,026

$

82,438

$

103,815

Consumer and other

$

207,939

$

218,426

$

218,711

$

198,091

$

198,604

Asset quality data:

Allowance for credit losses to total loans

1.17%

1.18%

1.22%

1.22%

1.19%

Allowance for credit losses to non-performing loans

1906%

1825%

595%

889%

846%

Total non-performing loans

(5)

$

1,310

$

1,366

$

4,156

$

2,707

$

2,725

Non-performing loans to total loans

0.06%

0.06%

0.20%

0.14%

0.14%

Non-performing assets to total assets

(5)

0.05%

0.05%

0.16%

0.10%

0.11%

Net charge-offs (recoveries of) to average loans

(2)

(0.00)%

0.14%

0.00%

(0.00)%

(0.00)%

Net charge-offs (recovery) of credit losses

$

(4)

$

702

$

2

$

(11)

$

(6)

Interest rates and yields:

(2)

Loans held for investment

6.21%

6.23%

6.17%

6.25%

6.32%

Investment securities

3.03%

3.06%

2.81%

2.63%

2.61%

Total interest-earning assets

5.56%

5.64%

5.51%

5.57%

5.61%

Deposits

(6)

2.53%

2.46%

2.49%

2.48%

2.66%

FHLB advances

3.73%

3.72%

3.71%

3.81%

4.05%

Subordinated notes

6.16%

-

-

-

-

Total interest-bearing liabilities

3.34%

3.32%

3.37%

3.47%

3.79%

Other information:

Full-time equivalent employees

206

203

201

199

198

(1)

Loan amounts include deferred fees/costs.

(2)

Annualized.

(3)

Efficiency ratio is defined as total non-interest expense divided

by sum of net interest income and total non-interest

income.

(4)

Loan amounts exclude deferred fees/costs.

(5)

The amounts for total non-performing loans and total non-performing

assets are the same at the dates presented since there was

no other real estate owned (OREO)

recorded at any of the dates presented.

(6) Reflects effect of non-interest-bearing deposits.

8

USCB FINANCIAL HOLDINGS, INC.

NET INTEREST MARGIN (UNAUDITED)

(Dollars in thousands)

Three Months Ended September 30,

2025

2024

Average

Balance

Interest

Yield/Rate

(1)

Average

Balance

Interest

Yield/Rate

(1)

Assets

Interest-earning assets:

Loans held for investment

(2)

$

2,099,043

$

32,866

6.21%

$

1,878,230

$

29,819

6.32%

Investment securities

(3)

461,303

3,522

3.03%

419,315

2,754

2.61%

Other interest-earning assets

130,740

1,332

4.04%

80,378

989

4.89%

Total interest-earning assets

2,691,086

37,720

5.56%

2,377,923

33,562

5.61%

Non-interest-earning assets

107,029

107,511

Total assets

$

2,798,115

$

2,485,434

Liabilities and stockholders' equity

Interest-bearing liabilities:

Interest-bearing checking deposits

$

47,338

286

2.40%

$

57,925

411

2.82%

Saving and money market deposits

1,319,862

10,343

3.11%

1,084,562

10,064

3.69%

Time deposits

520,345

5,036

3.84%

325,580

3,391

4.14%

Total interest-bearing deposits

1,887,545

15,665

3.29%

1,468,067

13,866

3.76%

FHLB advances

40,065

377

3.73%

156,043

1,587

4.05%

Subordinated notes

26,029

404

6.16%

-

-

• %

Total interest-bearing liabilities

1,953,639

16,446

3.34%

1,624,110

15,453

3.79%

Non-interest-bearing demand deposits

569,522

609,456

Other non-interest-bearing liabilities

49,638

45,227

Total liabilities

2,572,799

2,278,793

Stockholders' equity

225,316

206,641

Total liabilities and stockholders' equity

$

2,798,115

$

2,485,434

Net interest income

21,274

18,109

Net interest spread

(4)

2.22%

1.82%

Net interest margin

(5)

3.14%

3.03%

(1)

Annualized.

(2)

Average loan balances include non-accrual loans. Interest income on loans includes accretion

of deferred loan fees, net of deferred loan costs.

(3)

At fair value except for securities held to maturity. This amount includes

FHLB stock.

(4)

Net interest spread is the average yield earned on total

interest-earning assets minus the average rate paid on total interest-bearing

liabilities.

(5)

Net interest margin is the ratio of net interest income to total

interest-earning assets.

9

USCB FINANCIAL HOLDINGS, INC.

NON-GAAP FINANCIAL MEASURES (UNAUDITED)

(Dollars in thousands)

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") income:

(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

Plus: Provision for credit losses

105

1,031

681

1,030

931

PTPP income

$

11,910

$

11,770

$

10,779

$

10,131

$

10,093

PTPP return on average assets:

(1)

PTPP income

$

11,910

$

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

PTPP return on average assets

(2)

1.69%

1.76%

1.68%

1.58%

1.62%

Operating net income:

(1)

Net income

$

8,939

$

8,140

$

7,658

$

6,904

$

6,949

Less: Net losses on sale of securities

(28)

-

-

-

-

Less: Tax effect on sale of securities

7

-

-

-

-

Operating net income

$

8,960

$

8,140

$

7,658

$

6,904

$

6,949

Operating PTPP income:

(1)

PTPP income

$

11,910

$

11,770

$

10,779

$

10,131

$

10,093

Less: Net losses on sale of securities

(28)

-

-

-

-

Operating PTPP income

$

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

$

24,986

$

24,404

$

22,831

$

22,985

$

21,547

Operating Efficiency Ratio:

(1)

Total non-interest expense

$

13,048

$

12,634

$

12,052

$

12,854

$

11,454

Operating revenue

$

24,986

$

24,404

$

22,831

$

22,985

$

21,547

Operating efficiency ratio

52.22%

51.77%

52.79%

55.92%

53.16%

(1) The Company believes these non-GAAP measurements are

key indicators of the ongoing earnings power of the

Company.

(2)

Annualized.

10

USCB FINANCIAL HOLDINGS, INC.

NON-GAAP FINANCIAL MEASURES (UNAUDITED)

(Dollars in thousands, except per 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 book value 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/Tangible 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.

exhibit992

Exhibit 99.2

USCB FINANCIAL HOLDINGS EARNINGS 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, retaliation 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

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. 3

HISTORICAL FINANCIALS EOP for Balance Sheet amounts Loans

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 incur

red loss methodology for all periods before. (3) Non-GAAP financial

measure. See reconciliation in this presentation. 4

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-Interest 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. 5

KEY PERFORMANCE INDICATORS In thousands (except

for TBV/share) 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/Share

(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. 6

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 $56 $51 $53 $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% 3.76% 2.48%

3.43% 2.49% 3.34% 2.46% 3.29% 2.53% 3.29 Q3 2024 Q4 2024

Q1 2025 Q2 2025 Q3 2025 Deposit Cost 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.

(1) Reflects effect of non-interest-bearing deposits. 7

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) $1,928 $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. 8

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-30 Sep-25 Residential real estate Commercial

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. 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

Deposits / $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 improvements financing.

Significant lending capacity to target large credits. SBA / Small

Business Lending $52MM Loans/$804k Gain on 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 Correspondent 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 Q3 2025, the Private Client Group (PCG)

vertical includes deposit balances for the entire business unit,

encompassing not only significant portion of the Jurist Advantage

and MD Advantage programs, but also other professional and affluent

client segments. As a result, deposit balances presented for

PCG reflect the full scope of the business unit, rather than select sectors

as reported in prior quarters. Note the change in composition

when evaluating period-over-period trends..+ 10

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 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% Annualized. Reflects eff

ects of non-interest-bearing deposits. 11

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 22% 47% 18% 13%

yrs. 1-3 yrs. 2-3 yrs. >3 yrs. Static NII Simulation Year

1 & 2 $5,000 Year 1 Year 2 $3,000 $1,000 -$1,000 3.5% -2.9%

-0.3% 0.4% Net Interest Income change from base ($ in thousands and

% change) -$3,000 -100 +100 -100 +100 -$5,000 -$7,000

12

SECURITIES PORTFOLIO EOP for Balance Sheet amounts, in

millions Portfolio Composition 5% 4% 2% 4% 28% 19% 32%

6% CMO MBS CMBS SBA Agency Municipalities Corporate Bank

Subordinated Debt 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% 13

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 to total loans

Commentary Allowance for credit losses increased $31 thousand compared

to prior quarter and $1.9 million compared to third quarter

2024. 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 0.36% 0.37% 0.44% 0.27%

0.22% Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 (1) Loans

classified as substandard at period end. No loans classified doubtful at

any of the dates presented. 14

LOAN PORTFOLIO MIX Loan Portfolio Mix (1) Residential real

estate CRE – Owner occupied Cre – Non-owner occupied Commercial

and industrial Correspondent banks Consumer and other 10% 15%

9% 48% 13% 5% $2,125 MM (1) CRE Loan Mix Land/Construction

7% Other 2% Retail 26% Multifamily 19% CRE - Owner

Occupied 16% Office 10% Warehouse 10% Hotels 10% $1,226MM

As of 9/30/25 Excludes deferred fees/cost 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. 15

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. 16

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 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 an increase of $191 thousand in legal fees, primarily

due to $92 thousand related to the S-3 filing during the second quarter

2025. Consulting expenses increased $131 thousand, primarily due

to two interest rate collars hedges entered into the quarter.

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. Annualized. 17

CAPITAL Capital Ratios 00 03 2025 Q22025 9 9 19 V 9 Leverage

Ratio 8.47% 9.72% TCE/TA (2) 7.55% 8.52% Tier 1 Risk- Based

Capital 11.17% 12.52% Total Risk- Based Capital 14.20% 13.73%

AOCI ($37.8) ($41.8) In Millions 992020 4m 9 9 9.34% 5.00%

8.54% NA 12.01% 8.00% 13.22% 10.00% ($38.0) 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.

18

TAKEAWAYS 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

oriented loan portfolio Demonstrated profitability profile since

2015 recap further improved by current management team Strong asset quality

– minimal charge-offs experienced since 2015 recap

Attractive deposit base driven by steady growth in specialized verticals

Balanced liquidity profile with a 87% loan/deposit ratio (EOP) 19

APPENDIX - NON-GAAP RECONCILIATION In thousands

(except ratios) 5 (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") income: (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 Plus: Provision for credit losses PTPPincome

S 105 11,910 S 1,031 11,770 S 681 10,779 s 1,030 10,131 S

931 10,093 PTPP return on average assets: (1) PTPP income $ 11,910

$ 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 PTPP return on

average assets (2) 1.69% 1.76% 1 68% 1.58% 1.62% Operating

net incom e: (1) Net income s 8.939 s 8,140 s 7,658 s 6,904 s 6,949

Less: Net losses on sale of securities (28) - - - - Less: Tax

effect on sale of securities 7 - - - - Operating net income s 8,960

s 8,140 s 7,658 s 6,904 s 6,949 Operating PTPP income: (1)

PTPPincome $ 11,910 $ 11,770 $ 10,779 $ 10,131 $ 10,093 Less:

Net losses on sale of securities (28) - - - - Operating PTPP income s

_11,938_ s 11,770 s 10,779 s 10,131 s 10,093 Operating PTPP

return on average assets: (1) Operating PTPPincome $ 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

s 8,960 s 8,140 s 7,658 s 6,904 s 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 s 8,960 s

8,140 s 7,658 s 6,904 s 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 “IAM nor-cr ixnocmne

s 21,274 o co s 21,034 o 370 s 19,115 o 7Ac s 19,358 o co7

s 18,109 o 13o olklcIco-

IIeUIII Less: Net losses on sale of securities Operating revenue c

0,00 f (28) 24 096 c 2A 4QA c •,4 I 22 831 c 29 085 c •,400 21 547 "

— —— — — — 2 —— 2 —— — — Operating Efficiency

Ratio: (1) Total non-interest expense s 13,048 s 12,634 s 12,052

s 12,854 s 11,454 Operating revenue $ 24,986 $ 24,404 $ 22,831

$ 22,985 $ 21,547 Operating efficiency ratio 52.22% 51.77%

52.79% 55.92% 53.16% 1. The Company believes these non-GAAP

measurements are key indicators of the ongoing earnings pow er

of the Company. 2. Annualized. 20

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 S 209,095 S 231,583 S 225,088 S 215,388 S 213,916 Less:

Intangible assets - - - - - Tangible stockholders' equity Total

shares issued and outstanding (at period-end): S 209,095 $ 231,583

$ 225,088 $ 215,388 $ 213,916 Total common shares issued

and outstanding 18,107,385 20,078,385 20,048,385 19,924,632

19,620,632 Tangible book value per common share

(2) S 11.55 $ 11.53 $ 11.23 $ 10.81 $ 10.90 Operating diluted net

income per common s hare: (1) Operating net incorre $ 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 s 0.34 s 0.35 Tangible Common Equity/Tangible

Assets (1) Tangible stockholders' equity S 209,095 S 231,583

S 225,088 S 215,388 S 213,916 Tangible total assets (3) $ 2,767,945

$ 2,719,474 $ 2,677,382 $ 2,581,216 $ 2,503,954 Tangible

Common Equity/Tangible 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 pow er of the Company.

2. Excludes the dilutive effect, if any, of shares of common

stockissuable upon exercise of outstanding stockoptions.

3. Since the Company has no intangible assets, tangible stockhol

ders' equity and tangible total assets are the same amounts as stockholders'

equity and total assets, respectively, as calculated under GAAP.

21

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 22