USCB Financial Holdings (USCB) investor relations material

Executive summary

• Surpassed $3 billion in total assets, driven by record loan production and margin expansion, with net income for Q2 2026 at $9.1 million or $0.49 per diluted share, up from $8.1 million and $0.40 per share year-over-year.

• Maintained strong credit quality with non-performing loans at 0.09% of total loans and net charge-offs at 0.05%.

• Efficiency ratio improved to 49.97%, dropping below 50% for the first time.

• Continued focus on relationship-driven growth and disciplined expense management in the resilient South Florida market.

• Achieved robust average loan and deposit growth quarter-over-quarter, supporting sustainable profitability.

Financial highlights

• Total assets grew 11% year-over-year to over $3 billion, with loans reaching $2.3 billion (up 9.9%) and deposits totaling $2.5 billion (up 5%).

• Net interest income rose to $24.4 million, up $2.3 million or 42.6% annualized from Q1.

• Net interest margin expanded to 3.49%, up from 3.27% in Q1 and 3.28% year-over-year.

• Tangible book value per share increased to $12.64, up 9.6% year-over-year.

• Non-interest income was $3.6 million, representing 12.7% of total revenue.

Outlook and guidance

• Expect net loan growth in the high single to low double digits for the remainder of 2026.

• Net interest margin projected to remain in the 3.40%-3.50% range near-term.

• Board declared a quarterly cash dividend of $0.125 per share, payable in September 2026.

• Continued focus on growing granular, low-cost deposits and optimizing funding mix.

• Expenses expected to rise moderately with efficiency ratio staying at or just above current levels.