Form 8-K

8-K — USCB FINANCIAL HOLDINGS, INC.

Accession: 0001562762-26-000054

Filed: 2026-04-23

Period: 2026-04-23

CIK: 0001901637

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — uscb-20260423.htm (Primary)

EX-99.1 (exhibit991.htm)

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EX-99.2 (exhibit992.htm)

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8-K — FORM 8-K

8-K (Primary)

Filename: uscb-20260423.htm · Sequence: 1

uscb-20260423

0001901637

False

☐

0001901637

2026-04-23

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):

April 23, 2026

__________________________

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

☒

emerging

growth

company,

indicate

check

mark

the

registrant

has

elected

not

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.

☐

Item 2.02. Results of Operations and Financial Condition.

On April 23, 2026, USCB Financial Holdings, Inc. (the “Company”) issued a press release announcing

its financial results for

the quarter ended March 31, 2026.

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

deemed

incorporated

reference

into

any

filing

under

the

Securities

Act

1933

(the

“Securities

Act”)

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

April 24, 2026,

the Company will

hold an earnings

conference call to

discuss

its financial

performance

for the

quarter

ended

March 31,

2026.

A copy

of the

slides forming

the basis

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 April 23, 2026

99.2

Earnings Presentation, dated April 23, 2026

104

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

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: April 23, 2026

EX-99.1

Filename: exhibit991.htm · Sequence: 5

exhibit991

Exhibit 99.1

EARNINGS RELEASE

USCB Financial Holdings, Inc. Delivers Record Quarter: $0.51 diluted EPS,

up 33% over prior year. ROAA

1.34%, ROAE 17.07%, and 22% Year‑Over‑Year

Net Income Growth.

MIAMI, FL

– April

23, 2026

– USCB

Financial Holdings,

Inc. (the

“Company”) (NASDAQ:

USCB)

, the

holding company

for

U.S.

Century

Bank

(the

“Bank”),

reported

net

income

$9.4

million

$0.51

per

fully

diluted

for

the

three

months

ended

March 31, 2026, compared with net income of $7.7 million or $0.38 per

fully diluted share for the same period in 2025.

“The Company delivered a record quarter driven by strong core

earnings performance and disciplined balance sheet execution.

Diluted

earnings

per

reached

record

$0.51,

while

quarterly

ROAA

increased

1.34%.

Net

income

increased

22%

year-over-year,

supported by 15.3% growth in net interest income, reflecting effective asset deployment and continued margin resilience. Credit quality

remained strong, underscoring the strength of the Company’s underwriting standards and risk management

framework,” said Luis de la

Aguilera, Chairman, President, and CEO.

Unless otherwise stated, all percentage comparisons in the bullet points below are calculated at or for the quarter ended March 31, 2026

compared to at or for the quarter ended March 31, 2025 and annualized

where appropriate.

Profitability

•

Annualized return

on average

assets for

the quarter

ended March 31,

2026 was

1.34% compared

to 1.19%

for the first

quarter of

2025.

•

Annualized return on average stockholders’

equity for the quarter ended March 31,

2026 was 17.07% compared to

14.15% for the

first quarter of 2025.

•

The efficiency ratio for the quarter ended March 31, 2026

was 52.34% compared to 52.79% for the first quarter of 2025.

•

Net interest margin for the quarter ended March 31, 2026 was 3.27

compared to 3.10% for the first quarter of 2025.

•

Net interest income before

provision for credit losses was $22.0

million for the quarter ended

March 31, 2026, an increase of

$2.9

million or 15.3% compared to $19.1 million for the same period in 2025.

•

The Company recognized

a $619 thousand income

tax benefit in the

first quarter of 2026

due to an adjustment

to the deferred

tax

asset calculation from 2025.

Balance Sheet

•

Total assets were $2.8 billion at March 31, 2026, representing an increase of $168.4 million or 6.3% from $2.7 billion at March 31,

2025.

•

Total loans held for investment were $2.2 billion at March 31, 2026, representing an increase of $204.8 million or

10.1% from $2.0

billion at March 31, 2025.

•

Total

deposits

were

$2.5 billion

March 31,

2026,

representing

increase

$184.0 million

8.0%

from

$2.3

billion

March 31, 2025.

•

Total

stockholders’

equity

was $223.2

million

at March 31,

2026,

representing

a decrease

of $1.8

million

or 0.8%

from $225.1

million at March 31,

2025. Total stockholders’ equity included accumulated

other comprehensive loss of

$31.3 million at

March 31,

2026 compared to

accumulated other

comprehensive loss of

$41.1 million at

March 31, 2025. The

decrease in total

stockholders’

equity was

driven primarily

by the

repurchase of

2.0 million

shares of

Class A

common

stock conducted

in September

2025

previously disclosed.

Asset Quality

•

The

allowance

for

credit

losses

(“ACL”)

increased

$1.4

million

$26.1

million

March 31,

2026

from

$24.7

million

March 31, 2025.

•

The ACL represented 1.16% of total loans at March 31, 2026 and 1.22%

of total loans at March 31, 2025.

•

The provision for credit

loss was $801 thousand

for the quarter ended

March 31, 2026, an increase

of $120 thousand compared

$681 thousand for the same period in 2025.

•

The ratio of non-performing loans to

total loans was 0.16% for the quarter

ended March 31, 2026 and 0.20% for the

quarter ended

March 31, 2025. Non-performing loans totaled $3.6 million at March 31,

2026 and $4.2 million at March 31, 2025.

Non-interest Income and Non-interest Expense

•

Non-interest income was $4.2

million for the three

months ended March 31, 2026,

an increase of

$434 thousand or 11.7% compared

to $3.7 million for the same period in 2025.

•

Non-interest expense was $13.7 million for the

three months ended March 31, 2026, an

increase of $1.7 million or

13.8% compared

to $12.1 million for the three months ended March 31, 2025.

Capital

•

On April

20, 2026,

the Company’s

Board of

Directors declared

a quarterly

cash dividend

of $0.125

per share

of the

Company’s

Class A

common stock.

The dividend

will be paid

on June 5,

2026 to

shareholders of

record at

the close

of business

on May

15,

2026.

•

As of March 31, 2026,

total risk-based capital ratios for the Company and the Bank were 14.09% and 13.96%, respectively, well in

excess of regulatory requirements (only applicable to the Bank currently)

•

Tangible book value per common

share (non-GAAP financial measure) was $12.23 at March 31, 2026, representing an increase of

$1.00 or 8.9% from $11.23 at March 31, 2025. At March 31, 2026,

tangible book value per common share was negatively affected

by ($1.72) per

share due to

an accumulated other

comprehensive loss of

$31.3 million mostly

due to changes

in the market

value

of the Company’s

available for sale securities. At March 31, 2025,

tangible book value per common share was negatively

affected

by ($2.05) per share due to an accumulated other comprehensive loss of $41.1

million.

Conference Call and Webcast

The Company

will host

a conference

call on

Friday,

April 24,

2026, at

11:00

a.m. Eastern Time

to discuss

the Company’s

unaudited

financial results for the quarter ended March 31,

2026. 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

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

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.

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

the

safe

harbor

provided

Section

21E

the

Securities

Exchange

Act

1934,

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

future additional 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 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 capital and financial markets, including

actual or potential stresses in the banking industry;

•

deposit attrition and the level of our uninsured deposits;

•

legislative

regulatory

changes,

including

the

enactment

the

One

Big

Beautiful

Bill

and

changes

accounting

principles,

policies, practices or guidelines, including the on-going effects of

the Current Expected Credit Losses (“CECL”) standard;

•

the

lack

significantly

diversified

loan

portfolio

and

our

concentration

the

South

Florida

market,

including

the

risks

geographic,

depositor,

and

industry

concentrations,

including

our

concentration

loans

secured

real

estate,

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

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

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

addition

to,

and

not

alternative

substitute

for,

measures

determined

accordance

with

GAAP,

and

are

not

necessarily

comparable

non-GAAP

measures

that

may

presented

other

companies.

Reconciliations

these

non-GAAP

measures

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

USCB FINANCIAL HOLDINGS, INC.

CONSOLIDATED STATEMENTS

OF INCOME (UNAUDITED)

(Dollars in thousands, except per share data)

Three Months Ended March 31,

2026

2025

Interest income:

Loans, including fees

32,789

30,245

Investment securities

3,411

3,024

Interest-bearing deposits in financial institutions

832

709

Total interest income

37,032

33,978

Interest expense:

Interest-bearing checking deposits

310

338

Savings and money market deposits

8,133

9,335

Time deposits

4,700

3,918

FHLB advances

1,040

1,272

Subordinated notes

801

Total interest expense

14,984

14,863

Net interest income before provision for credit losses

22,048

19,115

Provision for credit losses

801

681

Net interest income after provision for credit losses

21,247

18,434

Non-interest income:

Service fees

3,100

2,331

Gain on sale of securities available for sale, net

Gain on sale of loans held for sale, net

106

525

Other non-interest income

930

860

Total non-interest income

4,150

3,716

Non-interest expense:

Salaries and employee benefits

8,570

7,636

Occupancy

1,316

1,284

Regulatory assessments and fees

484

421

Consulting and legal fees

561

193

Network and information technology services

560

505

Other operating expense

2,220

2,013

Total non-interest expense

13,711

12,052

Income before income tax expense

11,686

10,098

Income tax expense

2,335

2,440

Net income

9,351

7,658

Per share information:

Net income per common share, basic

0.51

0.38

Net income per common share, diluted

0.51

0.38

Cash dividends declared

0.125

0.10

Weighted average shares outstanding:

Common shares, basic

18,214,041

20,020,933

Common shares, diluted

18,454,006

20,319,535

USCB FINANCIAL HOLDINGS, INC.

SELECTED FINANCIAL DATA (UNAUDITED)

(Dollars in thousands, except per share data)

As of or For the Three Months Ended

3/31/2026

12/31/2025

9/30/2025

6/30/2025

3/31/2025

Income statement data:

Net interest income before provision for credit losses

22,048

22,207

21,274

21,034

19,115

Provision for credit losses

801

480

105

1,031

681

Net interest income after provision for credit losses

21,247

21,727

21,169

20,003

18,434

Service fees

3,100

2,209

2,661

2,402

2,331

Gain (loss) on sale of securities available for sale, net

(7,498)

(28)

Gain on sale of loans held for sale, net

106

197

128

151

525

Other non-interest income

930

914

923

817

860

Total non-interest income

4,150

(4,178)

3,684

3,370

3,716

Salaries and employee benefits

8,570

8,668

7,909

7,954

7,636

Occupancy

1,316

1,327

1,382

1,337

1,284

Regulatory assessments and fees

484

443

377

396

421

Consulting and legal fees

561

900

585

263

193

Network and information technology services

560

599

656

564

505

Other operating expense

2,220

2,338

2,139

2,120

2,013

Total non-interest expense

13,711

14,275

13,048

12,634

12,052

Net income before income tax expense

11,686

3,274

11,805

10,739

10,098

Income tax expense

2,335

1,911

2,866

2,599

2,440

Net income

9,351

1,363

8,939

8,140

7,658

Per share information:

Net income per common share, basic

0.51

0.08

0.46

0.41

0.38

Net income per common share, diluted

0.51

0.07

0.45

0.40

0.38

Cash dividends declared

0.125

0.10

Balance sheet data (at period-end):

Cash and cash equivalents

78,963

38,477

56,811

54,819

97,984

Securities available-for-sale

277,160

307,490

324,179

285,382

275,139

Securities held-to-maturity

149,931

153,941

156,365

158,740

161,790

Total securities

427,091

461,431

480,544

444,122

436,929

Loans held for investment

(1)

2,241,051

2,189,257

2,130,966

2,113,318

2,036,212

Allowance for credit losses

(26,102)

(25,500)

(24,964)

(24,933)

(24,740)

Total assets

2,845,735

2,791,540

2,767,945

2,719,474

2,677,382

Non-interest-bearing demand deposits

620,714

583,860

584,240

584,895

605,489

Interest-bearing deposits

1,872,866

1,761,220

1,871,374

1,750,766

1,704,080

Total deposits

2,493,580

2,345,080

2,455,614

2,335,661

2,309,569

FHLB advances

53,000

158,250

11,000

108,000

Subordinated notes

39,338

39,300

39,262

Total liabilities

2,622,489

2,574,357

2,558,850

2,487,891

2,452,294

Total stockholders' equity

223,246

217,183

209,095

231,583

225,088

Capital ratios:

(2)

Leverage ratio

8.61%

8.46%

8.47%

9.72%

9.61%

Common equity tier 1 capital

11.09%

10.92%

11.17%

12.52%

12.48%

Tier 1 risk-based capital

11.09%

10.92%

11.17%

12.52%

12.48%

Total risk-based capital

14.09%

13.91%

14.20%

13.73%

13.72%

(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 March 31, 2026 was 13.96%.

USCB FINANCIAL HOLDINGS, INC.

AVERAGE BALANCES, RATIOS, AND OTHER DATA

(UNAUDITED)

(Dollars in thousands)

As of or For the Three Months Ended

3/31/2026

12/31/2025

9/30/2025

6/30/2025

3/31/2025

Average balance sheet data:

Cash and cash equivalents

112,107

82,338

139,389

71,388

82,610

Securities available-for-sale

295,065

332,356

299,892

281,840

265,154

Securities held-to-maturity

152,144

155,269

157,702

160,443

163,510

Total securities

447,209

487,625

457,594

442,283

428,664

Loans held for investment

(1)

2,177,734

2,130,898

2,099,043

2,057,445

1,986,856

Total assets

2,834,717

2,799,863

2,798,115

2,677,198

2,606,593

Interest-bearing deposits

1,842,283

1,857,218

1,887,545

1,710,568

1,652,147

Non-interest-bearing demand deposits

584,784

595,969

569,522

580,121

563,040

Total deposits

2,427,067

2,453,187

2,457,067

2,290,689

2,215,187

FHLB advances

110,045

51,462

40,065

116,527

138,944

Subordinated notes

39,313

39,287

26,029

Total liabilities

2,612,491

2,587,470

2,572,799

2,448,706

2,387,088

Total stockholders' equity

222,226

212,393

225,316

228,492

219,505

Performance ratios:

Return on average assets

(2)

1.34%

0.19%

1.27%

1.22%

1.19%

Return on average equity

(2)

17.07%

2.55%

15.74%

14.29%

14.15%

Net interest margin

(2)

3.27%

3.14%

3.28%

3.10%

Non-interest income to average assets

(2)

0.59%

(0.59)%

0.52%

0.50%

0.58%

Non-interest expense to average assets

(2)

1.96%

2.02%

1.85%

1.89%

1.88%

Efficiency ratio

(3)

52.34%

79.18%

52.28%

51.77%

52.79%

Loans by type (at period end):

(4)

Residential real estate

346,917

307,692

316,557

307,020

301,164

Commercial real estate

1,259,642

1,244,835

1,226,121

1,206,621

1,150,129

Commercial and industrial

291,333

295,548

269,430

263,966

256,326

Correspondent banks

128,722

127,968

104,598

110,155

103,026

Consumer and other

207,794

207,215

207,939

218,426

218,711

Asset quality data:

Allowance for credit losses to total loans

1.16%

1.17%

1.18%

1.22%

Allowance for credit losses to non-performing loans

717%

813%

1906%

1825%

595%

Total non-performing loans

(5)

3,640

3,138

1,310

1,366

4,156

Non-performing loans to total loans

0.16%

0.14%

0.06%

0.20%

Non-performing assets to total assets

(5)

0.13%

0.11%

0.05%

0.16%

Net charge-offs (recoveries of) to average loans

(2)

(0.00)%

0.14%

0.00%

Net charge-offs (recovery) of credit losses

(4)

(11)

(4)

702

Interest rates and yields:

(2)

Loans held for investment

6.11%

6.16%

6.21%

6.23%

6.17%

Investment securities

3.05%

3.01%

3.03%

3.06%

2.81%

Total interest-earning assets

5.49%

5.54%

5.56%

5.64%

5.51%

Deposits

(6)

2.20%

2.28%

2.53%

2.46%

2.49%

FHLB advances

3.83%

3.91%

3.73%

3.72%

3.71%

Subordinated notes

8.26%

8.09%

6.16%

Total interest-bearing liabilities

3.05%

3.14%

3.34%

3.32%

3.37%

Other information:

Full-time equivalent employees

211

204

206

203

201

(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.

USCB FINANCIAL HOLDINGS, INC.

NET INTEREST MARGIN (UNAUDITED)

(Dollars in thousands)

Three Months Ended March 31,

2026

2025

Average

Balance

Interest

Yield/Rate

(1)

Average

Balance

Interest

Yield/Rate

(1)

Assets

Interest-earning assets:

Loans held for investment

(2)

2,177,734

32,789

6.11%

1,986,856

30,245

6.17%

Investment securities

(3)

454,262

3,411

3.05%

436,935

3,024

2.81%

Other interest-earning assets

105,457

832

3.20%

75,182

709

3.82%

Total interest-earning assets

2,737,453

37,032

5.49%

2,498,973

33,978

5.51%

Non-interest-earning assets

97,264

107,620

Total assets

2,834,717

2,606,593

Liabilities and stockholders' equity

Interest-bearing liabilities:

Interest-bearing checking deposits

52,099

310

2.41%

53,611

338

2.56%

Saving and money market deposits

1,256,418

8,133

2.63%

1,199,027

9,335

3.16%

Time deposits

533,766

4,700

3.57%

399,509

3,918

3.98%

Total interest-bearing deposits

1,842,283

13,143

2.89%

1,652,147

13,591

3.34%

FHLB advances

110,045

1,040

3.83%

138,944

1,272

3.71%

Subordinated notes

39,313

801

8.26%

- %

Total interest-bearing liabilities

1,991,641

14,984

3.05%

1,791,091

14,863

3.37%

Non-interest-bearing demand deposits

584,784

563,040

Other non-interest-bearing liabilities

36,066

32,957

Total liabilities

2,612,491

2,387,088

Stockholders' equity

222,226

219,505

Total liabilities and stockholders' equity

2,834,717

2,606,593

Net interest income

22,048

19,115

Net interest spread

(4)

2.44%

2.14%

Net interest margin

(5)

3.27%

3.10%

(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.

USCB FINANCIAL HOLDINGS, INC.

NON-GAAP FINANCIAL MEASURES (UNAUDITED)

(Dollars in thousands)

As of or For the Three Months Ended

3/31/2026

12/31/2025

9/30/2025

6/30/2025

3/31/2025

Pre-tax pre-provision ("PTPP") income:

(1)

Net income

9,351

1,363

8,939

8,140

7,658

Plus: Income tax expense

2,335

1,911

2,866

2,599

2,440

Plus: Provision for credit losses

801

480

105

1,031

681

PTPP income

12,487

3,754

11,910

11,770

10,779

PTPP return on average assets:

(1)

PTPP income

12,487

3,754

11,910

11,770

10,779

Average assets

2,834,717

2,799,863

2,798,115

2,677,198

2,606,593

PTPP return on average assets

(2)

1.79%

0.53%

1.69%

1.76%

1.68%

Operating net income:

(1)

Net income

9,351

1,363

8,939

8,140

7,658

Less: Net gains (losses) on sale of securities

(7,498)

(28)

Less: Tax effect on sale of securities

(4)

1,900

Plus: Tax (benefit) liability expense from prior periods

(619)

(3)

1,096

(4)

Operating net income

8,722

8,057

8,960

8,140

7,658

Operating return on average assets:

(1)

Operating net income

8,722

8,057

8,960

8,140

7,658

Average assets

2,834,717

2,799,863

2,798,115

2,677,198

2,606,593

Operating net income return on average assets

(2)

1.25%

1.14%

1.27%

1.22%

1.19%

Operating return on average equity:

(1)

Operating net income

8,722

8,057

8,960

8,140

7,658

Average equity

222,226

212,393

225,316

228,492

219,505

Operating net income return on average equity

(2)

15.92%

15.05%

15.78%

14.29%

14.15%

Operating revenue:

(1)

Net interest income

22,048

22,207

21,274

21,034

19,115

Non-interest income

4,150

(4,178)

3,684

3,370

3,716

Less: Net gains (losses) on sale of securities

(7,498)

(28)

Operating revenue

26,184

25,527

24,986

24,404

22,831

Operating efficiency ratio:

(1)

Total non-interest expense

13,711

14,275

13,048

12,634

12,052

Operating revenue

26,184

25,527

24,986

24,404

22,831

Operating efficiency ratio

52.36%

55.92%

52.22%

51.77%

52.79%

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

are key indicators of the ongoing earnings power of the

Company.

(2)

Annualized.

(3)

The Company recognized a $619 thousand income tax

benefit in first quarter of 2026 due to an adjustment

to the deferred tax asset calculation from 2025.

(4) State tax liability expenses for 2024 and for the

first three quarters of 2025 were recognized during the fourth

quarter of 2025. The state tax expense is related to

taxes due on interest income on loans whose collateral are

located outside of the State of Florida.

USCB FINANCIAL HOLDINGS, INC.

NON-GAAP FINANCIAL MEASURES (UNAUDITED)

(Dollars in thousands, except per share data)

As of or For the Three Months Ended

3/31/2026

12/31/2025

9/30/2025

6/30/2025

3/31/2025

Tangible book value per common share (at period-end):

(1)(4)

Total stockholders' equity

223,246

217,183

209,095

231,583

225,088

Less: Intangible assets

Tangible stockholders' equity

223,246

217,183

209,095

231,583

225,088

Total shares issued and outstanding (at period-end):

Total common shares issued and outstanding

18,257,400

18,137,885

18,107,385

20,078,385

20,048,385

Tangible book value per common share

(2)

12.23

11.97

11.55

11.53

11.23

Operating diluted net income per common share:

(1)

Operating net income

8,722

8,057

8,960

8,140

7,658

Total weighted average diluted shares of common stock

18,454,006

18,348,725

19,755,820

20,295,794

20,319,535

Operating diluted net income per common share:

0.47

0.44

0.45

0.40

0.38

Tangible Common Equity/Tangible Assets

(1)(4)

Tangible stockholders' equity

223,246

217,183

209,095

231,583

225,088

Tangible total assets

(3)

2,845,735

2,791,540

2,767,945

2,719,474

2,677,382

Tangible Common Equity/Tangible Assets

7.84%

7.78%

7.55%

8.52%

8.41%

(1)

The Company believes these non-GAAP financial 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.

(4) The decrease in total stockholders’ equity was driven primarily

by the repurchase of 2.0 million shares of Class A

common stock conducted in September 2025.

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EX-99.2

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exhibit992

Exhibit 99.2

USCB FINANCIAL HOLDINGS EARNINGS PRESENTATION

FIRST QUARTER 2026 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 future additional 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 fourth-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

CAPITAL/ CREDIT PROFITABILITY GROWTH On April

20, 2026, the Company’s Board of Directors declared a quarterly

cash dividend of $0.125 per share on the Company’s Class A common

stock. The dividend will be payable on June 5, 2026, to shareholders

of record as of the close of business on May 15, 2026. Total risk

-based capital was $14.09%(2) as of March 31, 2026. As of

March 31, 2026, non-performing loans totaled $3.6 million or 0.16%

of total loans compared to $4.2 million or 0.20% as of March

31, 2025. ACL coverage ratio was 1.16% of total loans at March

31, 2026, and 1.22% at March 31, 2025. Average deposits

increased by $211.9 million or 9.6% compared to the first quarter

2025. Average loans increased $190.9 million or 9.6% compared

to the first quarter 2025. Tangible book value per common share(1)

at March 31, 2026, increased $1.00 or 8.9% to $12.23, compared to

$11.23 at March 31, 2025. TBV per share at March 31, 2026, included

an AOCI impact of ($1.72) and at March 31, 2025 ($2.05). Q1

2026 HIGHLIGHTS Non-GAAP financial measure. See reconciliation

in this presentation. 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. Net income was $9.4 million or $0.51

per diluted share. Excluding a $619 thousand income tax benefit

due to an adjustment to the DTA calculation of 2025, operating

diluted EPS(1) was $0.47. ROAA was 1.34% for the first

quarter 2026 compared to 1.19% for the first quarter 2025. Operating

ROAA(1) was 1.25% compared to 1.19% for the first quarter

2025. ROAE was 17.07% for the first quarter 2026 compared to 14.15%

for the first quarter 2025. Operating ROAE(1) was 15.92% compar

ed to 14.19% for the first quarter 2025. 3

HISTORICAL FINANCIALS EOP for Balance Sheet amounts Loans

(1) In millions $765 $2,241 2017 2018 2019 2020 2021 2022

2023 2024 2025 Q1 2026 Deposits In millions $820 $2,494 2017 2018

2019 2020 2021 2022 2023 2024 2025 Q1 2026 Total Stockholders’

Equity In millions $114 $223 2017 2018 2019 2020 2021 2022 2023

2024 2025 Q1 2026 ACL/Total Loans (2) 1.33% 1.16%

2017 2018 2019 2020 2021 2022 2023 2024 2025 Q1 2026 Net charge

-offs (recoveries) In thousands ($21,872) ($4) 2017 2018 2019

2020 2021 2022 2023 2024 2025 Q1 2026 Nonperforming Assets/Total

Assets 0.17% 0.13% 2017 2018 2019 2020 2021 2022 2023

2024 2025 Q1 2026

Net Interest Income

In millions $31 $84 2017 2018 2019 2020 2021 2022 2023 2024

2025 Q1 2026 Efficiency ratio 86.65% 523.40% 2017 2018 2019

2020 2021 2022 2023 2024 2025 Q1 2026 PTPP ROAA (3) 0.52% 1.79%

2017 2018 2019 2020 2021 2022 2023 2024 2025 Q1 2026 (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. 4

FINANCIAL RESULTS In thousands (except per share

data) Balance Sheet (EOP) Income Statement Q1 2026 Q4 2025 Q1 2025

Total Securities $427,091 $461,431 $436,929 Total Loans

(1) $2,241,051 $2,189,257 $2,036,212 Total Assets $2,845,735

$2,791,540 $2,677,382 Total Deposits $2,493,580 $2,345,080

$2,309,569 Total Equity (2) $223,246 $217,183 $225,088 Net

Interest Income $22,048 $22,207 $19,115 Non-Interest Income

$4,150 ($4,178) $3,716 Total Revenue (3) $26,198 $18,029

$22,831 Provision for Credit Losses $801 $480 $681 Non-Interest

Expense $13,711 $14,275 $12,052 Income Before

Income Taxes $11,686 $3,274 $10,098 Income Tax Expense

$2,335 1,911 $2,440 Net Income $9,351 $1,363 $7,658 Diluted

Earnings Per Share (EPS) $0.51 $0.07 $0.38 Operating Diluted

Earnings Per Share (4) $0.47 $0.44 $0.38 Weighted Average

Diluted Shares 18,454,006 18,348,725 20,319,535 (1) Loan amounts

include deferred fees/costs. (2) Total Equity includes accumulated

other comprehensive loss of $31.3 million for Q1 2026, $30.3

million for Q4 2025, and $41.1 million for Q1 2025. Total equity

decreased between periods mainly due to the repurchase

of 2.0 million shares of Class A common stock conducted in

September 2025. (3) Equals net interest income plus non-interest

income. (4) Non-GAAP financial measures. See reconciliation

in this presentation. 5

KEY PERFORMANCE INDICATORS In thousands (except

for TBV/share and ratios) Q1 2026 Q4 2025 Q1 2025 Total Assets

(EOP) $2,845,735 $2,791,540 $2,677,382 Total Loans (EOP)

(1) $2,241,051 $2,189,257 $2,036,212 Total Deposits (EOP)

$2,493,580 $2,345,080 $2,309,569 Tangible Book Value/Share

(2)(3)(4) $12.23 $11.97 $11.23 Operating Return On Average

Assets (2)(5) 1.25% 1.14% 1.19% Operating Return On Average

Equity (2)(5) 15.92% 15.05% 14.15% Net Interest Margin (5) 3.27%

3.27% 3.10% Operating Efficiency Ratio (2)(5) 52.36% 52.92% 52.79%

Non-Interest Expense/Avg. Assets (5) 1.96% 2.02%

1.88% Tangible Common Equity/Tangible Assets (2)(4)

7.84% 7.78% 8.41% Total Risk-Based Capital (6) 14.09% 13.91%

13.72% NCO/Avg Loans (5) 0.00% 0.00% 0.00% NPA/Assets

0.13% 0.11% 0.16%

Allowance for Credit Losses/Loans 1.16% 1.16% 1.22% (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 ($1.72) for Q1 2026, ($1.67) for Q4

2025 and ($2.05) for Q1 2025. (4) TBV/share and TCE/TA

were affected by a decrease in total stockholders’ equity due

to the repurchase of 2.0 million shares of Class A common stock

conducted in September 2025. (5) Annualized. (6) 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 $2,215

$2,291 $2,457 $2,453 $2,427 $563 $580 $570 $569 $585 $1,652

$1,711 $1,887 $1,857 $1,842 Q1 2025 Q2 2025 Q3 2025 Q4 2025

Q1 2026 Interest-bearing deposits Non-interest-bearing demand

deposit Deposit EOP In millions $2,310 $2,336 $2,456 $2,345

$2,494 $447 $462 $520 $528 $552 $1,208 $1,248 $1,292 $1,186

$1,294 $50 $41 $60 $47 $57 $605 $585 $584 $584 $621 Q1 2025 Q2

2025 Q3 2025 Q4 2025 Q1 2026 Non-interest-bearing demand

deposits Interest-bearing checking deposits Saving and money

market deposits Time deposits Commentary Average

deposits totaled $2.4 billion,

reflecting a slight decrease from the prior quarter and an increase

of $211.9 million compared to the first quarter of 2025. EOP total

deposits increased $148.5 million compared to the prior quarter

and $184.0 million or 8.0% compared to the first quarter of 2025. Deposit

cost improved to 2.20%, decreasing 8 bps quarter-over-quarter

and 29 bps year-over-year. in this slide the Deposits AVG totals must

be updated manually Same goes for the red bps math Deposit

Cost Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Interest-Bearing

Deposit Cost 3.34% 3.29% 3.29% 3.02% 2.89% Total

Deposits (1) 2.49% 2.46% 2.53% 2.28% 2.20% (1) Reflects effects

of non-interest-bearing deposits. 7

LOAN PORTFOLIO Total Loans (AVG) In millions

6.17% 6.23% 6.21% 6.16% 6.11% $1,987 $2,057 $2,099 $2,131

$2,178 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Loans Loan Yields

Total Gross Loans (EOP) (1) In millions $2,029 $2,106 $2,125

$2,183 $2,234 $219 $218 $208 $207 $208 $103 $110 $105

$128 $128 $256 $264 $269 $296 $291 $301 $307 $317 $308 $347

$1,150 $1,207 $1,226 $1,245 $1,260 Q1 2025 Q2 2025 Q3 2025 Q4

2025 Q1 2026 Commercial real estate Residential rea Commercial

and industrial Correspondent banks Consumer and other Commentary

Average loans increased $46.8 million or 8.91% annualized

compared to prior quarter and $190.9 million or 9.6% compared

to first quarter 2025. Loan yield declined slightly to 6.11% in

Q1 2026, driven by the interest rate market environment and the

effects of loan repricing. (1) Excludes deferred fees/cost. 8

LOAN PRODUCTION In millions, except for ratios 6.67% 7.12% 6.43%

5.93% 5.87% $182 $119 $187 $110 $132 $113 $196 $137

$188 $136 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Loan

Production/Line change Loan Amortization/payoffs New loans weighted

average coupon Net Loan Production Trend Loan Composition

Trend EOP (1) In millions,

except for ratios $948 $2,234 28% 16% 63% 56% 9% 28% Jun-20

Mar-26 Residential real estate Commercial real estate Real Estate

Loans Commentary Gross loan production totaled $188.0 million

during the first quarter of 2026, with March closings accounting

for $113.5 million or 60.4%, of total quarterly production. Additionally,

$56.6 million, or 30.1% of quarterly loan closings, consisted of

correspondent banking loans, which carried a new‑loan

yield of 5.13%. Excluding correspondent banking loan production, the

weighted‑average yield on new loans originated during the quarter

was 6.20%. Embedded prepayment penalties help protect yield and

earnings in the event of early loan prepayments. (1) Excludes deferred

fees/cost. 9

NET INTEREST MARGIN Net Interest Income/Margin (1) In thousands

(except ratios) 3.10% 3.28% 3.14% 3.27% 3.27% $19,115 $21,034

$21,274 $22,207 $22,048 Q1 2025 Q2 2025 Q3 2025 Q4 2025

Q1 2026 Net Interest Income NIM Interest-Earning Assets

Mix (AVG) 3% 2% 4% 3% 4% 17% 18% 18% 18% 17%

80% 80% 78% 79% 79% Q1 2025 Q2 2025 Q3 2025 Q4 2025

Q1 2026 Total Loans Investment Securities Cash Balances

& Equivalents Commentary Q1 2026 net interest income and margin

were impacted by the following factors: Net interest income

was slightly lower during the quarter compared to previous quarter,

partially impacted by day-count. Loan payoffs occurred earlier

in the quarter. 60.4% of new loan production occurred in March 2026,

limiting the full-quarter earning impact. Interest Rates and Yields

Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Loans 6.17% 6.23%

6.21% 6.16% 6.11% Investment securities 2.81% 3.06% 3.03%

3.01% 3.05% Interest-earning assets 5.51% 5.64% 5.56% 5.54%

5.49% Deposits (2) 2.49% 2.46% 2.53% 2.28% 2.20% Interest

-bearing liabilities 3.37% 3.32% 3.34% 3.14% 3.05% (1) Annualized.

(2) Reflects effects of non-interest-bearing deposits. 10

ASSET QUALITY Allowance for Credit Losses In thousands (except

ratios) 1.22% 1.18% 1.17% 1.16% 1.16% $24,740 $24,933 $24,964 $25,500

$26,102 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Allowance

for credit losses Non-performing Loans In thousands (except ratios)

0.20% 0.06% 0.06% 0.14% 0.16% $4,156 $1,366 $1,310 $3,138 $3,640

Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Non-accrual

loans Non-performing loans to total loans Commentary Allowance

for credit losses increased $602 thousand compared to prior quarter

and $1.4 million compared to first quarter 2025. ACL coverage

ratio was 1.16% as of March 31, 2026. Non‑performing loans increased

by $0.5 million from the prior quarter to $3.6 million. The non‑performing

loans‑to‑total loans ratio was 0.16% as of March 31, 2026. Classified

Loans (1) to Total Loans 0.44% 0.27% 0.22% 0.29%

0.30% Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 (1) Loans

classified as substandard at period end. No loans classified doubtful

at any of the dates presented. 11

NON-INTEREST INCOME In thousands (except ratios) Q1 2026 Q4

2025 Q3 2025 Q2 2025 Q1 2025 Total service fees

$3,100 $2,209 $2,661 $ 2,402 $2,331 Wire fees $623 $656 $647 $604

$570 Swap fees $1,554 $449 $790 $428 $93 Other $923 $1,104

$1,224 $1,370 $1,668 Gain (loss) on sale of securities available

for sale $14 ($7,498) ($28) - - Gain on sale of loans held for

sale $106 $197 $128 $151 $525 Other income $930 $914 $923 $817

$860 Total non-interest income $4,150 ($4,178) $3,684

$3,370 $3,716 Average total assets $2,834,717 $2,799,863 $2,798,115

$2,677,198 $2,606,593 Non-interest income/Average assets (1)

0.59% (0.59%) 0.52% 0.50% 0.58% Commentary Non-interest

income increased in the first quarter of 2026, primarily driven by

$1.6 million of swap fee income. Non-interest income was 15.8%

of total revenue for first quarter 2026. (1) Annualized. 12

NON-INTEREST EXPENSE In thousands (except ratios) Q1 2026 Q4

2025 Q3 2025 Q2 2025 Q1 2025 Salaries and employee benefits

$8,570 $8,668 $7,909 $7,954 $7,636 Occupancy 1,316 1,327 1,382

1,337 1,284 Regulatory assessments and fees 484 443 377

396 421 Consulting and legal fees 561 900 585 263 193 Network and

information technology services 560 599 656 564 505 Other operating

expense 2,220 2,338 2,139 2,120 2,013 Total non-interest

expense $13,711 $14,275 $13,048 $12,634 $12,052 Operating

efficiency ratio (1) 52.36% 55.92% 52.22% 51.77% 52.79% Non

-interest expense/Average assets (2) 1.96% 2.02% 1.85% 1.89%

1.88% Full-time equivalent employees 211 204 206 203 201

Commentary Total non-interest expense decreased

by $564 thousand compared to prior quarter. The decrease

was primarily driven by the absence of one-time expenses incurred in the

fourth quarter related to incentive compensation, bonuses, and legal fees

associated with the universal shelf offering and share repurchase

transaction. The efficiency ratio for the first quarter of 2026 remained consistent

with prior quarters when excluding the securities loss trade

transaction in the fourth quarter of 2025. (1) Non-GAAP financial

measures. See reconciliation in this presentation. (2) Annualized.

CAPITAL Capital Ratios (1) Q3 2025 Q1 2025 Well-

Capitalized Leverage Ratio TCE/TA (2) Tier 1 Risk-Based

Capital Total Risk-Based Capital AOCI In Millions 8.46%

7.78% 10.92% 13.91% ($30.3) 9.61% 8.41% 12.48% 13.72% ($41.1)

5.00% NA 8.00% 10.00% Q4 2025 Commentary On April 20, 2026, the

Company’s Board of Directors declared a quarterly cash

dividend of $0.125 per share on the Company’s Class A common stock.

The dividend will be payable on June 5, 2026, to shareholders

of record as of the close of business on May 15, 2026. Q1 2026 EOP

common stock shares outstanding: 18,257,400. AOCI was ($31.3)

million or ($1.72) per share as of March 31, 2026. 8.61% 7.84% 11.09%

14.09% ($31.3) Q1 2026 (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. 14

USCB FINANCIAL HOLDINGS 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 90% loan/deposit ratio (EOP) 15

APPENDIX - NON-GAAP RECONCILIATION In thousands

(except ratios) As of or For the Three Months Ended 3/31/2026 12/31/2025

9/30/2025 6/30/2025 3/31/2025 Pre-tax pre-provision ("PTPP")

income: (1) Net income s 9,351 $ 1,363 $ 8,939 s 8,140 s 7,658

Plus: Income

tax expense 2,335 1,911 2,866 2,599 2,440 Plus: Provision for credit

losses 801 480 105 1,031 681 PTPP income S—12,487

S 3,754 S11,910 S 11,770 S 10,779 PTPP return on average

assets: (1) PTPP income 2sammr, eoig,ge s 12,487 c D oo s 7*7

s 3,754 S 2,799,863 0.53% s 11,910 S 2,798,115 1.69% s 11,770

s 2,677,198 1.76% s 10,779 s 2,606,593 1.68% Average

DepositsPTPP return on average assets (2) 1.79% Operating net

income: (1) Net income S 9,351 S 1,363 S 8,939 S 8,140 S 7,658

Less: Net gains (losses) on sale of securities 14 (7,498) (28) -

- Less: Tax effect on sale of securities (4) 1,900 7 - - Plus: Tax

(beneft) fability expense from prior periods (619)” 1,096"

- - - Operating net income s 8,722 S 8,057 S 8,960 s 8,140 s 7,658

Operating return on average assets: Operating net income Average

assets (1) s 8,722 $ 2,834,717 s 8,057 S 2,799,863 s 8,960 $ 2,798,115

s 8,140 s 2,677,198 s 7,658 s 2,606,593 Operating net income return

on average assets (2) 1.25% 1.14% 1.27% 1.22% 1.19% Operating

return on average equity: Operating net income (1) s 8,722 s 8,057

s 8,960 s 8,140 s 7,658 Average equity Operating net

income return on average equity (2) S 222,226 15.92% s 212,393 15.05%

s 225,316 15.78% S 228,492 14.29% S 219,505 14.15% Operating

revenue: (1) Net interest income S 22,048 S 22,207 S 21,274

S 21,034 S 19,115 Non-interest income 4,150 (4,178) 3,684 3,370

3,716 Less: Net gains (losses) on sale of securities 14 (7.498)

(28) - - Operating revenue s 26,184 s 25,527 s 24,986 s 24,404

s 22,831 Operating efficiency ratio: (1) Total non-interest expense

s 13,711 s 14,275 s 13,048 s 12,634 s

12,052 Operating revenue S 26,184 $ 25,527 $ 24,986 S 24,404 S

22,831 Operating efficiency ratio 52.36% 55.92% 52.22% 51.77%

52.79% (1 ) The Company beleves these non-GAAP financial

measurements are key indicators of the ongoing earnings power

of the Company. 2. Annualized. 3. The Company recognized

a $61 9 thousand income tax benefit in first quarter of 2026 due to an adjustment

to the deferred tax asset calculation from 2025. 4. State tax fability

expenses for 2024 and for the first three quarters of 2025 were

recognized during the fourth quarter of 2025. The state tax expense

is related to taxes due on interest income on loans whose collateral

are located outside of the State of Florida. 16

APPENDIX - NON-GAAP RECONCILIATION In thousands

(except ratios and share data) As of or For the Three Months Ended

3/31/2026 12/31/2025 9/30/2025 6/30/2025 3/31/2025 Tangible

book value per common share (at period-end): (1)(4) Total

stockholders' equity s 223,246 s 217,183 s 209,095 s 231,583 s 225,088

Less: Intangible assets - - - - - Tangible stockholders' equity

s 223,246 s 217,183 s 209,095 s 231,583 s 225,088 Total shares

issued and outstanding (at period-end): Total common shares

issued and outstanding 18,257,400 18,137,885 18,107,385 20,078,385

20,048,385 Tangible book value per common share (2)

s 12.23 $ 11.97 $ 11.55 $ 11.53 $ 11.23 Operating diluted

net income per common share: (1) Operating net income s 8,722

s 8,057 s 8,960 s 8,140 s 7,658 Total weighted average

diluted shares of common stock 18,454,006 18,348,725 19,755,820 20,295,794

20,319,535 Operating diluted net income per common share:

s 0.47 s 0.44 s 0.45 s 0.40 s 0.38 Tangible Common Equity

Tangible Assets (1)(4) Tangible stockholders' equity s 223,246

s 217,183 s 209,095 s 231,583 s 225,088 Tangible total assets

(3) s 2,845,735 s 2,791,540 s 2,767,945 s 2,719,474 s 2,677,382 Tangible

Common Equity/Tangible Assets 7.84% 7.78% 7.55% 8.52%

8.41% (1 ) The Company believes these non-GAAP financial

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. 4. The decrease in total stockholders

equity was driven primarily by the repurchase of 2.0 million shares

of Class A common stock conducted in September 2025. 17

APPENDIX - BUSINESS VERTICALS in this slide the % of

loan comp must be updated manually Private Client Group (1) $330MM

Deposits Association Banking $160MM Deposits / $126MM

Loans 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. 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. Yacht

Lending $202MM 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. Balances

as of March 31, 2026. Differentiated Banking Product Offerings

and Services 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 $257MM Deposits

/ $129MM 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. SBA / Small Business Lending

$60MM 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.

(1) Effective 4th quarter 2025, the Private Client Group vertical now

includes balances for the entire business unit, encompassing not only

some Jurist Advantage and 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, please consider this expanded scope.

APPENDIX - LOAN PORTFOLIO MIX Loan Portfolio Mix (1) As

of 03/31/26 CRE Loan Portfolio (non-owner occupied and owner

occupied) (5) in this slide the CRE Loan Mix sum and Loan

Portfolio Mix sum must be updated manually $1,260MM CRE Loan

Mix $2,234MM (4) Commentary Total loan balance

at quarter end was $2,234 million (4). Commercial Real Estate (owner

occupied and non-owner occupied) was 56.4% or $1,260 million

of the total loan portfolio. CRE mix is diversified and granular.

Retail non-owner occupied makes up 26% of total CRE or $326.9 million

(1) Balance in millions.

Excludes deferred fees/cost. (2) LTV - Loan to value ratio.

(3) DSCR - Debt service coverage ratio. (4) Excludes deferred

fees/cost (5) Includes loan types: office, warehouse, retail, and other 19

APPENDIX - SECURITIES PORTFOLIO Portfolio Composition

CMO MBS CMBS SBA Agency Municipalities Corporate Bank

Subordinated Debt 3% 28% 15% 39% 7% 5% 1% 2% Commentary

Securities portfolio totaled $427.1 million; 64.9% of the portfolio is

classified as AFS, while 35.1% is classified as HTM. The modified

duration is 5.2 and the average life is 6.1 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 $34.2 million from the securities portfolio for the remainder

of 2026, at current rates; these cashflows will support loan growth and/or

deposit volatility. 81% of the portfolio is invested in agency

mortgage-backed securities, boosting liquidity. EOP for Balance

Sheet amounts, in millions Securities Portfolio Key Metrics Metrics

as of 03/31/2026 Securities portfolio $ 427.1 AFS as %

of portfolio 64.9% HTM as % of portfolio 35.1% Qtr. weighted

avg. port. yield 3.05% Average life 6.1 Modified duration 5.2 Estimated

Short Term Cashflows -100 Base +100 2026 $69.5 $34.2

$48.1 2027 $62.5 $35.7 $49.8 2028 $45.3 $27.5 $41.3 2029 $35.7

$22.6 $35.1 Total Cashflow $213.1 $120.0 $174.4 Total

Cashflow / Total Portfolio 44% 25% 36% 20

APPENDIX - INTEREST RATE SENSITIVITY Loan Portfolio

Repricing Profile by Rate Type Hybrid ARM 4% Fixed

Rate 37% Variable Rate 59% 37% 8% 55% Loan Repricing

Schedule Variable/Hybrid Rate Loans 21% 54% 16% 9% 0-1yrs.

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

Net Interest Income change from base ($ in thousands and % change)

Year 1 Year 2 1.9% -2.1% -100 +100 -100 +100 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

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- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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Period Type:

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- Definition

Indicate if an emerging growth company has elected not to use the extended transition period for complying with any new or revised financial accounting standards.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 7A

-Section B

-Subsection 2

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Period Type:

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- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

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Namespace Prefix:

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Data Type:

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Balance Type:

Period Type:

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- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

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Data Type:

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Period Type:

duration

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

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- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

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Namespace Prefix:

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xbrli:normalizedStringItemType

Balance Type:

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

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Namespace Prefix:

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Balance Type:

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

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Name:

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Namespace Prefix:

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Data Type:

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Balance Type:

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- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

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Period Type:

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- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

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Name:

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Namespace Prefix:

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Data Type:

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Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

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Period Type:

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- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

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Namespace Prefix:

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Data Type:

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Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

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