USCB Financial Holdings (USCB) investor relations material

Executive summary

• Achieved record net income of $8.9 million ($0.45 per diluted share), up 29% year-over-year, marking the third consecutive quarter of record EPS.

• Return on average assets rose to 1.27% and return on average equity to 15.74%, both outperforming peers.

• Strong growth in average deposits (up 18.3% YoY) and average loans (up 11.8% YoY), with total assets reaching $2.8 billion and deposits at $2.5 billion.

• Robust capital actions included $40 million subordinated notes issuance and repurchase of 2 million shares (10% of company).

• Maintained strong asset quality and minimal charge-offs, with non-performing loans at 0.06% of total loans and no loan losses in the quarter.

Financial highlights

• Net interest income before provision for credit losses was $21.3 million, up 17.5% year-over-year.

• Net interest margin expanded to 3.14% from 3.03% a year ago; September NIM reached 3.27%.

• Efficiency ratio improved to 52.28%, reflecting disciplined expense management.

• Tangible book value per share increased 5.9% year-over-year to $11.55.

• Total revenue for Q3 2025 was $24.96 million, up from $21.55 million YoY.

Outlook and guidance

• Expectation for continued NIM improvement in Q4 as excess cash is deployed and deposit rates are cut.

• Loan production pipeline is strong, with Q4 expected to return to normal run rates after seasonal Q3 dip.

• Securities portfolio positioned for lower interest rates, with $14.4 million in expected cashflows for the remainder of 2025.

• Anticipate stable to slightly increasing expense base due to new hires and incentive accruals.

• Management emphasizes disciplined execution and long-term value creation, with continued focus on profitability and credit quality.