Uscb Financial Holdings, Inc. · NASDAQ:USCB
Uscb Financial — Q3 2026 Earnings Presentation
23 slides from Uscb Financial's earnings presentation, October 2026
Slide 1: Earnings Presentation Third Quarter 2026
EARNINGS PRESENTATION THIRD QUARTER 2026 NASDAQ: USCB
Slide 2: Forward-Looking Statements
FORWARD-LOOKING FORWARD-LOOKINGSTATEMENTS 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 1
Slide 3: Q3 2026 Highlights - Highest Quarterly Net Income Since IPO
Q3 2026 HIGHLIGHTS - Highest Quarterly Net Income Since IPO • Net income of $9.5 million, the highest quarterly net income since our IPO; $0.51 per diluted share. • ROAA was 1.27% and ROAE was 16.03%. • Net interest income before provision for credit losses was $24.3 million compared to $24.4 millio
Slide 4: Historical Financials – Consistent Growth, Profitability and Credit Discipline
HISTORICAL FINANCIALS – Consistent Growth, Profitability and Credit Discipline EOP for Balance Sheet amounts Loans (1) Deposits Total Stockholders’ Equity In millions $2,322 In millions In millions $229 $2,446 $114 $765 $820 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q3 2017 2018 2019 2020 2021 20
Slide 5: Differentiated Franchise Driving Consistent Performance
DIFFERENTIATED FRANCHISE DRIVING CONSISTENT PERFORMANCE Attractive Market Relationship-Driven Model South Florida franchise positioned in dynamic and growing markets. Local decision-making with direct access to experienced bankers. • Commercially attractive footprint • Faster execution than larger i
Slide 6: Financial Results – Net Interest Income Up 14.2% Year-over-Year
FINANCIAL RESULTS – Net Interest Income Up 14.2% Year-over-Year In thousands (except per share data) Q3 2026 Q2 2026 Q3 2025 Total Securities $475,725 $468,986 $480,544 Balance Total Loans (1) $2,322,094 $2,322,385 $2,130,966 Total Assets $3,011,481 $3,019,701 $2,767,945 Sheet Total Deposits $2,446,
Slide 7: Key Performance Indicators - 16% ROAE and 7.5% Year-over-Year TBV Growth
KEY PERFORMANCE INDICATORS - 16% ROAE and 7.5% Year-over-Year TBV Growth In thousands (except for TBV/share and ratios) Q3 2026 Q2 2026 Q3 2025 Total Assets (EOP) $3,011,481 $3,019,701 $2,767,945 Total Loans (EOP) (1) $2,322,094 $2,322,385 $2,130,966 Total Deposits (EOP) $2,446,315 $2,452,271 $2,455
Slide 8: Deposit Portfolio – Stable $2.4B Deposit Base
DEPOSIT PORTFOLIO – Stable $2.4B Deposit Base; Cost Down 34 bps Year-over-Year Deposits AVG Commentary In millions (except ratios) Average deposits totaled $2.5 billion, $2,457 $2,453 $2,427 $2,489 $2,511 reflecting an increase of $22.3 million or 3.6% annualized compared to prior 2.53% quarter and
Slide 9: Loan Portfolio – Average Loans Up 10.0% Year-over-Year
LOAN PORTFOLIO – Average Loans Up 10.0% Year-over-Year Total Loans (AVG) (1) Commentary In millions (except ratios) 6.20% 6.11% Average loans increased $50.1 million or 6.11% $2,100 6.21% 6.16% 7.00% 8.8% annualized compared to prior $1,900 6.00% quarter and $210.0 million or 10.0% $1,700 5.00% comp
Slide 10: Loan Production – $616 Million Year-to-Date
LOAN PRODUCTION – $616 Million of Loan Production Year-to-Date Net Loan Production Trend Loan Composition Trend EOP (1) In millions, except for ratios In millions, except for ratios $2,317 $300 7.50% 15% $250 6.43% 6.02% 6.60% 5.93% $200 5.87% 5.90% 5.70% 58% $150 $948 $272 4.80% 28% $100 $196 $188
Slide 11: Net Interest Margin – NIM Up 23 bps Year-over-Year to 3.37%
NET INTEREST MARGIN – NIM Up 23 bps Year-over-Year to 3.37% Net Interest Income/Margin (1) Commentary In thousands (except ratios) 30,000 3.49% 3.37% 4.00% Net interest income was $24.3 million, 3.27% 3.27% 3.50% compared with $24.4 million for prior 3.14% 25,000 quarter and up $3.0 million or 14.2%
Slide 12: Asset Quality – Credit Quality Supports Sustainable Growth
ASSET QUALITY – Credit Quality Supports Sustainable Growth Allowance for Credit Losses Commentary In thousands (except ratios) 28,000 1.25% The allowance for credit losses had a net 26,000 1.20% increase of $317 thousand from the prior 24,000 quarter, and $2.1 million compared to 22,000 1.15% third
Slide 13: Non-Interest Income - Core Fee Income Stable
NON-INTEREST INCOME - Core Fee Income Stable; Lower Swap Activity Following Strong First Half In thousands (except ratios) Q3 2026 Q2 2026 Q1 2026 Q4 2025 Q3 2025 Total service fees $1,542 $2,601 $3,100 $2,209 $2,661 Wire fees $645 $618 $623 $656 $647 Swap fees $22 $572 $1,554 $449 $790 Other $875 $
Slide 14: Non-Interest Expense - Continued Investment in Talent
NON-INTEREST EXPENSE - Continued Investment in Talent to Support Growth In thousands (except ratios) Q3 2026 Q2 2026 Q1 2026 Q4 2025 Q3 2025 Salaries and employee benefits $9,295 $8,537 $8,570 $8,668 $7,909 Occupancy 1,352 1,369 1,316 1,327 1,382 Regulatory assessments and fees 392 397 484 443 377 C
Slide 15: Capital - Strong Capital Levels Support Continued Organic Growth
CAPITAL - Strong Capital Levels Support Continued Organic Growth Capital Ratios (1) Q3 Q3 2025 2026 Q2 2026 Q3 2025 Well- Capitalized Leverage Ratio 8.88% 8.81% 8.47% 5.00% TCE/TA (2) 7.62% 7.72% 7.55% NA Tier 1 Risk- Based Capital 11.23% 11.01% 11.17% 8.00% Total Risk- 14.07% 13.88% 14.20% 10.00% B
Slide 16: Takeaways - Attractive Franchise Positioned for Continued Growth
TAKEAWAYS - Attractive Franchise Positioned for Continued Growth 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 Commercially oriented
Slide 17: Appendix – Non-GAAP Reconciliation
APPENDIX – NON-GAAP RECONCILIATION In thousands (except ratios) As of or For the Three Months Ended 9/30/2026 6/30/2026 3/31/2026 12/31/2025 9/30/2025 Pre-tax pre-provision ("PTPP") incom e: (1) Net income $ 9,528 $ 9,078 $ 9,351 $ 1,363 $ 8,939 Plus: Income tax expense 2,660 3,636 2,335 1,911 2,866
Slide 18: Appendix – Non-GAAP Reconciliation
APPENDIX – NON-GAAP RECONCILIATION In thousands (except ratios and share data) As of or For the Three Months Ended 9/30/2026 6/30/2026 3/31/2026 12/31/2025 9/30/2025 Tangible book value per com m on share (at period-end): (1)(4) Total stockholders' equity $ 229,362 $ 233,238 $ 223,246 $ 217,183 $ 20
Slide 19: Appendix – Business Verticals
APPENDIX – BUSINESS VERTICALS Differentiated Banking Product Offerings and Services Private Client Group (1) Yacht Lending Association Banking $317MM Deposits $189MM Loans $178MM Deposits / $137MM Loans ▪ Deposit aggregating focus/strategy. ▪ Yacht financing for larger vessels, ▪ Deposit aggregating
Slide 20: Appendix – Loan Portfolio Mix
APPENDIX – LOAN PORTFOLIO MIX Loan Portfolio Mix (1) Commentary Total loan balance at quarter end was Residential real estate 8% $2,317 million (4). 15% 6% CRE - Owner occupied Commercial Real Estate (owner occupied and non-owner occupied) was 8% CRE - Non-owner occupied 13% 58.2% or $1,349 million
Slide 21: Appendix – Securities Portfolio
APPENDIX – SECURITIES PORTFOLIO EOP for Balance Sheet amounts, in millions Commentary Portfolio Composition Securities portfolio totaled $475.7 million; 72.0% of the portfolio is classified as AFS, while 28.0% is 9% classified as HTM. CMO 1% 4% 23% MBS Modified duration increased to 5.5 years, while
Slide 22: Appendix – Interest Rate Sensitivity
APPENDIX – INTEREST RATE SENSITIVITY Loan Portfolio Repricing Profile Loan Repricing Schedule by Rate Type (1) Variable & Hybrid Rate Loans (1) Hybrid ARM $117MM $77MM 3% Fixed Rate $523MM 8% $823MM $431MM 36% 29% 35% $802MM Variable & $2,317MM Hybrid $1,493MM 54% Rate Loans 57% $103MM 7% $854MM 10%
Slide 23: Contact Information
CONTACT INFORMATION LOU DE LA AGUILERA ROB ANDERSON Chairman, President & CEO EVP, Chief Financial Officer (305) 715-5186 (305) 715-5393 [email protected] [email protected] INVESTOR RELATIONS [email protected] 23
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