USCB FINANCIAL HOLDINGS INVESTOR 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, 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 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 TABLE OF CONTENTS 1 who we are 2 growth strategy 3 financial review 4 appendix 3
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