Regulation FD Presentation (Form 8-K)

FORWARD-LOOKING STATEMENTS This presentationmay contain statements that are not historical in nature and areintended to be, and are hereby identified as, forward-looking statementsfor purposes of the safe harbor provided by Section 21E of theSecurities 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 asother similar words and expressions of the future, areintended to identify forward-looking statements. These forward-looking statements include, but are not limited to, statements related toour projected growth, anticipated future financial performance,and management's long-term performance goals, as well as statementsrelating to the anticipated effects on our results of operations and financialcondition from expected or potential developments or events,or business and growth strategies, including anticipated internal growthand balance sheet restructuring. These forward-looking statementsinvolve significant risks and uncertainties that could cause ouractual results to differ materially from those anticipated in such statements.Potential risks and uncertainties include, but are not limited to: thestrength of the United States economy in general and the strengthof the local economies in which we conduct operations; ourability to successfully manage interest rate risk, credit risk,liquidity risk, and other risks inherent to our industry; the accuracyof our financial statement estimates and assumptions, including the estimatesused for our credit loss reserve and deferred tax asset valuation allowance;the efficiency and effectiveness of our internal control proceduresand processes; our ability to comply with the extensive laws and regulationsto

which we are subject, including the laws for each jurisdiction wherewe operate; adverse changes or conditions in the capital and financialmarkets, including actual or potential stresses in the bankingindustry; deposit attrition and the level of our uninsured deposits; legislativeor regulatory changes and changes in accounting principles, policies,practices or guidelines, including the on-going effects of theimplementation of the Current Expected Credit Losses ("CECL")standard; the lack of a significantly diversified loan portfolioand the concentration in the South Florida market, including the risksof geographic, depositor, and industry concentrations, includingour concentration in loans secured by real estate, in particular,commercial real estate; the effects of climate change; the concentrationof ownership of our common stock; fluctuations in the price of ourcommon stock; our ability to fund or access the capitalmarkets at attractive rates and terms and manage our growth, bothorganic growth as well as growth through other means, such as futureacquisitions; inflation, interest rate, unemployment rate, andmarket and monetary fluctuations; impacts of international hostilitiesand geopolitical events; increased competition and its effecton the pricing of our products and services as well as our net interest ratespread and net interest margin; the loss of key employees; the effectivenessof our risk management strategies, including operational risks, including,but not limited to, client, employee, or third-party fraud andsecurity breaches; and other risks described in this presentation and otherfilings we make with the Securities and Exchange Commission ("SEC").All forward-looking statements are necessarily only estimates offuture results, and there can be no assurance that actual results will notdiffer materially from expectations. Therefore, you are cautionednot to place undue reliance on any forward-

looking statements. Further, forward-looking statements includedin this presentation are made only as of the date hereof, andwe undertake no obligation to update or revise any forward-looking statementsto reflect events or circumstances occurring after the dateon which the statements are made or to reflect the occurrenceof unanticipated events, unless required to do so under the federal securitieslaws. You should also review the risk factors described in thereports USCB Financial Holdings, Inc. filed or will file with theSEC. Non-GAAP Financial Measures This presentation includes financialinformation determined by methods other than in accordancewith generally accepted accounting principles ("GAAP"). This financialinformation includes certain operating performance measures.Management has includedthese non-GAAP financial measures because it believes thesemeasures may provide useful supplemental information for evaluatingthe Company's expectations and underlying performancetrends. Further, management uses these measures in managing and evaluatingthe Company's business and intends to refer to them in discussionsabout our operations and performance. Operating performancemeasures should be viewed in addition to, and not as an alternative toor substitute for, measures determined in accordancewith GAAP, and are not necessarily comparable to non-GAAP measuresthat may be presented by other companies. Reconciliations ofthese non-GAAP measures to the most directly comparable GAAP measurescan be found in the Non-GAAP financial measures reconciliationtables included in this presentation. All numbers includedin this presentation are unaudited unless otherwise noted. 2

DIVERSIFIED BUSINESS VERTICALS Specialty banking products,services and solutions designed for small businesses, homeownerassociations, law firms, medical practices and other professional servicesfirms, yacht lending and global banking services DifferentiatedBanking Product Offerings Jurist Advantage $218MM Deposits Depositaggregating focus/strategy Tailored products & services forlaw offices, managing partners, associates and other staffmembers Commercial deposits accounts, treasury management, commerciallending, student loan refinancing, residential loans and credit cardservices Yacht Lending $194 Loans Yacht financing forlarger vessels, transaction range is $750 -$7.5MM. Brokered orientedbusiness, 3 vendor approved brokers Member of the NationalMarine Lenders Association Launched this new vertical in 2022Association Banking $125MM Deposits/$114MM Loans Deposit aggregating focus/strategy Banking for Homeowner Associations andProperty Managers Offer deposit collection services and esotericlending solutions ranging from insurance premium and large capitalimprovements financing Significant lending capacity to targetlarge credits SBA / Small Business Lending $53 Loans Relationship-orientedbusiness focused on delivering fast loan commitments to small andmedium- sized enterprises Predominately small business line of creditsand CD secured loans Affordable SBA loan provider Approvedby the SBA to participate in the Preferred Lenders ProgramMedical Advantage $18 Deposits Deposit aggregating focus/strategyAs a concierge-level banking service, MDAdvantage is designed tocater to the ""»********WY - complex banking requirements ofmedical professionals. Offers a broad range of productsand services developed for physicians, dentists, and veterinariansCorrespondent Banking $265 Deposits/$83MM Loans Comprehensive

range of both domestic and international services with the latest intechnology to ensure quick processing Focus on Caribbean and LatinAmerican countries Correspondent banking services include lettersof credit, foreign collections, wire transfers, ForEx and trade financeBalances as of December 31, 2024. 10

NON-INTEREST EXPENSE In thousands (except ratios) Q4 2024 Q32024 Q2 2024 Q1 2024 Q4 2023 Salaries and employee benefits$7,930 $7,200 $7,353 $6,310 $6,104 Occupancy 1,337 1,341 1,2661,314 1,262 Regulatory assessments and fees 405 452 476433 412 Consulting and legal fees 552 161 263 592 642 Network andinformation technology services 494 513 479 507 552 Other operatingexpense 2,136 1,787 1,723 2,018 1,747 Total non-interestexpense $12,854 $11,454 $11,560 $11,174 $10,719 Efficiencyratio 55.92% 53.16% 56.33% 63.41% 68.27% Non-interest expense/Averageassets (1) 2.01% 1.83% 1.88% 1.84% 1.87% Full-time equivalent employees199 198 197 199 196 Commentary - Q4 2024 Vs Q3 2024 Q4'24Routine Increases: $362k Salaries and employee benefits increased$110 thousand due to merit increases and higher replacementcost of personnel. Consulting and legal expenses increased $218 thousanddue to timing of billings throughout the year. Other operatingexpense increased $104 thousand mainly due to internet banking feesand item processing expenses. Occupancy, regulatory assessmentand fees, and network and information technology had a net decreaseof $70 thousand. Q4'24 Non-Routine Increases: $1,038k Diluted EPSImpact ($0.04) Salaries and employee benefits increased $620 thousanddue to restricted stock award expense (a shorter initial vestingperiod; annual expense was recognized in two months). Legal expensesincreased $173 thousand for various items for which we expectreimbursement in coming quarters. Other operating expense increased$174 thousand related to forced-place insurance relatedto borrowers. The Company expects to receive reimbursements in coming quarters.Additionally, other operating expense increase due to $71thousand excise tax related to the Company's stock repurchasespursuant to its previously announced

stock repurchase programs. Annualized. 26

APPENDIX - RISK MANAGEMENT Risk Management Philosophy andCulture Management has instilled a culture of adherenceto well-developed risk management procedures. Management is responsiblefor day-to-day risk management (identifying, evaluating, and addressingpotential risks that may exist at the enterprise, strategic, financial,operational, compliance and reporting levels.) The riskmanagement and compliance division consist of twenty-two professionalscovering enterprise risk management, cybersecurity, third-partyrisk, bank secrecy, consumer compliance, regulatory,corporate, and legal affairs. The division plays an active rolein assessing corporate risks, compliance and collaborating withmanagement to mitigate identified risks. Heightened focus on BSA / AML/ KYC compliance due to foreign exposure. Individual countryloan exposure limited to 0% - 70% of total capital based on individualcountry risk. Correspondent banking services offered exclusivelyto institutions in countries meeting U.S. Century's robust risktolerance framework. Highly experienced compliance team with internationalcompliance experience from larger banking institutions. Theaudit and risk committee of the board of directors consists offour members responsible for complete oversight of Company'srisk management, compliance, and internal controls: RamonRodriguez (Chair), Bernardo Fernandez, Ramón Abadin and MariaAlonso. Credit Philosophy Conservative credit culture that encouragesprudent and desirable loans over unchecked growth Underwritingstrength stems from deep understanding of U.S. Century's market,long-standing relationships with clients, and disciplined underwritingand credit review process Focused on maintaining a well-diversifiedand conservative loan portfolio Robust Credit Administration Underwritinggroup supported by experienced credit officers with both credit

analysis and lending experience Effective and independent loan reviewCredit Committee meetings conduct in-depth loan portfolio monitoring,including concentration limits Active monitoring and reportingon existing or emerging concentrations and targeted reviews ofany higher risk portfolios 29

APPENDIX - TECHNOLOGY SUPPORT 2022 Y M A MIRemote Account Opening -- Oaober'21-Mürch'22 y SecureworksMXDR platform Feb '22-July22' / / . r Ring Central call reporting It October'22 - March '23 • . 5 ■ - 2023 -- abrigo Loan origination system 9June '22 - May 23 w edN w 1 FED Now payments January '23- October '23 / 2024 A 9 Pidgin real time payments pidgin January'23 - October f23 Check fraud application • J 2025 - 2026 A sCRM system w / . Financial reporting application • . Zelle Zelle forSmall Business / . ACH Positive Pay/ACH Alert / v Account analysissolution • J / . Siem Solution • / / . Commercial Account Opening/ / v o • PBX (Saas) - Teams Calling up November '23-April '25 • / / . Wire fraud application • / •• Cloud (laas) forDR environment • 1 July 23 - May '25 / Operating PTPP income: (1)PTPP income S 10,131 S 10,093 S 8,962 S 6,448 S 4,983 Less:Net gains (losses) on sale of securities Orerating PTDD income c 10191c 10 003 c 14 o 019 c c 449 c (883) c occ operating PTPP returnon average assets Operating PTPP income (1) s 10,131 s 10,093s 8,948 s 6,448 s 5,866 Average assets s 2,544,592 s 2,485,434 s2,479,222 s 2,436,103 s 2,268,811 Operating PTPP return onaverage assets (2) 1.58% 1.62% 1.45% 1.06% 1.03% Operating returnon average assets (1) Operating net income s 6,904 s 6,949 s 6,199s 4,612 s 3,380 Average assets S 2,544,592 s 2,485,434S 2,479,222 S 2,436,103 S 2,268,811 Operating return on averageassets (2) 1.08% 1.11% 1.01% 0.76% 0.59% Operating return onaverage equity: (1) Operating net income s 6,904 s 6,949 s 6,199s 4,612 s 3,380 Average equity s 215,715 s 206,641 s 197,755s 193,092 s 183,629 Operating return on average equity (2) 12.73%13.38% 12.61% 9.61% 7.30% Operating Revenue: (1) Net interestincome s 19,358 s 18,109 s 17,311 s 15,158 s 14,376 Non-interestincome 3,627 3,438 3,211

2,464 1,326 Less: Net gains (losses) on sale of securties Operating revenuec 22 08= c 21 E47 c 14 20 Eng c 17623 c (883) 16 coc - OperatingEfficiency Ratio: (1) Total non-interest expense s 12,854s 11,454 s 11,560 s 11,174 s 10,719 Operating revenueOperating efficiency ratio s 22,985 55.92% s 21,547 53.16% s 20,50856.37% s 17,622 63.41% s 16,585 64.63% (1)The Company believesthese non-GAAP measurements are key indicators of the ongoing eamingspower of the Company. (2) Annualized. 31