Exhibit 99.2

EARNINGS PRESENTATION SECOND QUARTER 2025NASDAQ: USCB USBC FINANCIAL HOLDINGS

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 statementsare 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 expressionsof the future, are intended to identify forward-looking statements. Theseforward-looking statements include, but are not limited to, statementsrelated to our projected growth, anticipated futurefinancial performance, and management’s long-term performancegoals, as well as statements relating to the anticipated effectson our results of operations and financial condition from expected or potentialdevelopments or events, or business and growth strategies, includinganticipated internal growth and balance sheet restructuring.These forward-looking statements involve significant risks and uncertaintiesthat could cause our actual results to differ materially from thoseanticipated in such statements. Potential risks and uncertainties include,but are not limited to: the strength of the United States economyin general and the strength of the local economies in which we conductoperations; our ability to successfully manage interest raterisk, creditrisk, liquidity risk, and other risks inherent to our industry; theaccuracy of our financial statement estimates and assumptions,including the estimates used for our allowance for credit lossesand deferred tax asset valuation allowance; the efficiencyand effectiveness of our internal control procedures and processes; ourability to comply with the extensive laws and

regulations to which we are subject, including the laws for each jurisdictionwhere we operate; adverse changes or conditions in the capital and financial markets, including actual or potential stresses inthe banking industry; deposit attrition and the level of our uninsureddeposits; legislative or regulatory changes and changes in accountingprinciples, policies, practices or guidelines, including theon-going effects of the implementation of the Current ExpectedCredit Losses (“CECL”) standard; the lack of a significantly diversifiedloan portfolio and our concentration in the South Florida market,including the risks of geographic, depositor, and industryconcentrations, including our concentration in loans securedby real estate, in particular, commercial real estate; the effectsof climate change; the concentration of ownership of our common stock;fluctuations in the price of our common stock; our ability to fundor access the capital markets at attractive rates and terms and manageour growth, both organic growth as well as growth through othermeans, such as future acquisitions; inflation, interest rate, unemploymentrate, and market and monetary fluctuations; the effectsof potential new or increased tariffs and trade restrictions; the impactof international hostilities and geopolitical events; increasedcompetition and its effect on the pricing of our products and services as wellas our net interest rate spread and net interest margin; theloss 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 otherrisks described in this presentation and other filings we make withthe Securities and Exchange Commission (“SEC”). All forward-looking statements are necessarily only estimates of future results, andthere can be no assurance that actual results will not differmaterially from

expectations. Therefore, you are cautioned not to place undue relianceon any forward-looking statements. Further, forward-looking statementsincluded 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 afterthe date on 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 inthe reports USCB Financial Holdings, Inc. filed or will file withthe SEC. Non-GAAP Financial Measures This presentation includesfinancial information determined by methods other than in accordancewith generally accepted accounting principles (“GAAP”). This financialinformation includes certain operating performance measures.Management has included these non-GAAP financial measuresbecause it believes these measures may provide useful supplementalinformation for evaluating the Company’s expectations and underlyingperformance trends. Further, management uses these measuresin managing and evaluating the Company’s business andintends to refer to them in discussions about our operations andperformance. Operating performance measures should beviewed in addition to, and not as an alternative to or substitute for,measures determined in accordance with GAAP, and arenot necessarily comparable to non-GAAP measures that may be presentedby other companies. Reconciliations of these non-GAAP measures tothe most directly comparable GAAP measures can be found in theNon-GAAP financial measures reconciliation tables included inthis presentation. All numbers included in this presentation areunaudited unless otherwise noted. 2

Q2 2025 HIGHLIGHTS GROWTH Average deposits increasedby $206.8 million or 9.9% compared to the second quarter 2024. Averageloans increased $229.0 million or 12.5% compared to the secondquarter 2024. Liquidity sources as of June 30, 2025, aggregated$727 million in on-balance sheet and off-balance sheetsources. Tangible book value per common share (a non-GAAP measure)(1) at June 30, 2025, increased $0.30 or 10.7% annualized to $11.53, comparedto $11.23 at March 31, 2025. TBV per share for June 30, 2025,included an AOCI impact of ($2.08) and at March 31, 2025 ($2.05).PROFITABILITY Net income was $8.1 million or $0.40per diluted share, an increase of $1.9 million or 31.1% compared tothe second quarter 2024. Net interest income before provision increased$3.7 million or 21.5% to $21.0 million for the quarter comparedto the second quarter 2024. ROAA was 1.22% for the second quarter2025 compared to 1.01% for the second quarter 2024. ROAE was14.29% for the second quarter 2025 compared to 12.63% for thesecond quarter 2024. Efficiency ratio improved to 51.77% duringthe second quarter 2025 compared to 56.33% for the second quarter2024. CAPITAL/CREDIT The Company’s Board of Directorsdeclared a $0.10 per share of the Company’s Class A common stockdividend on July 21, 2025. The dividend will be paid on September5, 2025, to shareholders of record at the close of business on August15, 2025. At June 30, 2025, non-performing loans totaled$1.4 million. ACL coverage ratio was 1.18% at June 30, 2025, and 1.19%at June 30, 2024. Total stockholders' equity increasedby $30.5 million or 15.2% to $231.6 million compared to June 30, 2024.(1) Non-GAAP financial measure. See reconciliation in thispresentation. 3

HISTORICAL FINANCIALS EOP for Balance Sheet amounts LoansIn millions $735 $2,113 2016 2017 2018 2019 2020 20212022 2023 2024 Q1 Q2 2025 2025 Deposits In millions $782$2,336 2016 2017 2018 2019 2020 2021 2022 2023 2024 Q1 Q22025 2025 Total stockholder’s equity In millions $86 $2322016 2017 2018 2019 2020 2021 2022 2023 2024 Q1 Q2 20252025 ACL/Total Lonas 1.17% 1.18% 2016 2017 2018 20192020 2021 2022 2023 2024 Q1 Q2 2025 2025 Net charge-offs (recoveries)In millions ($1,019) $702 2016 2017 2018 2019 2020 2021 2022 2023 2024Q1 Q2 2025 2025 Nonperforming Assets/Total Assets1.58% 0.05% 2016 2017 2018 2019 2020 2021 2022 2023 2024Q1 Q2 2025 2025 Net Interest Income In millions $30 $70 2016 20172018 2019 2020 2021 2022 2023 2024 Q1 Q2 2025 2025 Efficiencyratio 94.15% 51.77% 2016 2017 2018 2019 2020 2021 2022 20232024 Q1 Q2 2025 2025 PTPP ROAA 0.24% 1.76% 2016 2017 2018 20192020 2021 2022 2023 2024 Q1 Q2 2025 2025 (1) Loan amountsinclude deferred fees/costs. (2) ACL was calculated under theCECL standard methodology for all periods beginning January 1, 2023,and the incurred loss methodology for all periods before.(3) Non-GAAP financial measure. See reconciliationin this presentation. 4

FINANCIAL RESULTS In thousands (except per sharedate) Q2 2025 Q1 2025 Q2 2024 Balance Sheet (EOP) TotalSecurities $444,122 $436,929 $406,050 Total Loans (1) $2,113,318$2,036,212 $1,869,249 Total Assets $2,719,474 $2,677,382$2,458,270 Total Deposits $2,335,661 $2,309,569 $2,056,702Total Equity (2) $231,583 $225,088 $201,020 Income StatementNet Interest Income $21,034 $19,115$17,311 Non-Interest Income 3,370 $3,716 $3,211 TotalRevenue (3) 24,404 $22,831 $20,522 Provision for Credit Losses 1,031$681 $786 Non-Interest Expense 12,634 $12,052 $11,560 NetIncome 8,140 $7,658 $6,209 Diluted Earning Per Share (EPS)$0.40 $0.38 $0.31 Weighted Average Diluted Shares20,295,794 20,319,535 19,717,167 (1) Loan amounts include deferredfees/costs. (2) Total Equity includes accumulated comprehensiveloss of $41.8 million for Q2 2025, $41.1 million for Q1 2025,and $44.7 million for Q2 2024. (3) Equals net interest income plus non-interest income. 5

KEY PERFORMANCE INDICATORS In thousands (exceptfor TBV/share) Q2 2025 Q1 2025 Q2 2024 GROWTH PROFITABILITYCAPITAL/CREDIT Total Assets (EOP) $2,719,474 $2,677,382$2,458,270 Total Loans (EOP) (1) $2,113,318 $2,036,212$1,869,249 Total Deposits (EOP) $2,335,661 $2,309,569 $2,056,702Tangible Book Value/Share (2)(3) $11.53 $11.23$10.24 Return On Average Assets (ROAA) (4) 1.22% 1.19%1.01% Return On Average Equity (ROAE) (4) 14.29%14.15% 12.63% Net Interest Margin (4) 3.28% 3.10% 2.94%Efficiency Ratio 51.77% 52.79% 56.33% Non-Interest Expense/Avg.Assets (4) 1.89% 1.88% 1.88% Tangible Common Equity/TangibleAssets (2) 8.52% 8.41% 8.18% Total Risk-Based Capital(5) 13.73% 13.72% 13.12% NCO/Avg Loans (4) 0.14% 0.00%0.00% NPA/Assets 0.05% 0.16% 0.03% Allowancefor Credit Losses/Loans 1.18% 1.22% 1.19% (1) Loan amounts includedeferred fees/costs. (2) Non-GAAP financial measures. Seereconciliation in this presentation. (3) AOCI effect on tangiblebook value per share was ($2.08) for Q2 2025, ($2.05) for Q1 2024and ($2.28) for Q2 2024. (4) Annualized. (5) Reflects the Company'sregulatory capital ratios which are provided for informationalpurposes only; as a small bank holding company, the Companyis not subject to regulatory capital requirements. 6

DEPOSIT PORTFOLIO Deposits AVG In millions $2,083$2,078 $2,139 $2,215 $2,291 $316 $326 $341 $400 $452 $1,101$1,085 $1,156 $1,199 $1,212 $56 $58 $51 $53 $47 $610 $690 $591$563 $580 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q2Q3 Q4 Q1 Q2 Non-interest-bearing deposits Interest-bearing checkingdeposits Money market and savings Time deposits DepositCost 2.64% 33.74% 2.66% 3.76% 2.48% 3.43% 2.49% 3.34%2.46% 3.29% Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q2 Q3 Q4Q1 Q2 Deposit Cost Interest-Bearing Deposit cost CommentaryAverage deposits increased $75.5 million or 13.7% annualizedcompared to the prior quarter and increased $206.8 millionor 9.9% compared to the second quarter 2024. DDA averagebalance increased $17.1 million or 12.2% compared to prior quarter.DDAs comprised 25.3% of total deposits for the second quarter2025. Interest-bearing deposit costs decreased 5 bps compared to priorquarter and 45 bps compared to the second quarter 2024. (1) Reflectseffect of non-interest-bearing deposits. 7

LOAN PORTFOLIO Total Loans (AVG) In millions6.16% 6.32% 6.25% 6.17% 6.23% $1,828 $1,878 $1,959 $1,987$2,057 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Loans LoanYields Gross Total Loans (EOP) (1) $1,865 $1,928 $1,965$2,029 $2,106 $195 $199 $198 $219 $218 $248 $248 $258 $256$264 $257 $283 $298 $301 $307 $1,053 $1,095 $1,128 $1,150 $1,207Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Commercialreal estate Residential real estate commercial real estate Correspondentbanks Consumer and other Commentary Average loans increased$70.6 million or 14.3% annualized compared to prior quarter and $229.0million or 12.5% compared to the second quarter 2024. Loanyield increased 6 bps compared to the prior quarter and 7 bps comparedto the second quarter 2024. Loan yield improved due to higher-yieldingloan production in 2025 combined with a stable SOFR environmentin Q2 2025 following rate declines in Q4 2024. (1) Excludes deferredfees/cost. 8

LOAN PRODUCTION Net Loan Production Trend In millions,except for ratios 8.01% 7.75% 7.14% 6.67% 7.12% $155 $108 $157$95 $161 $123 $182 $119 $187 $110 Q2 2024 Q3 2024 Q42024 Q1 2025 Q2 2025 Loan Production/line changes Loan Amortization/payoffs New loans weighted average coupon $948 $2,10628% 15% 63% 57% $9 $28 Jun-20 Jun-25 Loan Composition TrendEOP (1) In millions, except for ratios Residential real estateCommercial real estate Real Estate Loans Commercial and industrial, correspondent banks, and Consumer and other (1) Excludes deferredfees/cost. Commentary $369 million in gross loan production for 2025. $95 millionof Q2 2025 loan production closed in June, full impact on interestincome is expected to be realized in the third quarter 2025. Theweighted average coupon on new loans was 7.12% for the secondquarter of 2025, 89 bps above the portfolio weighted averageyield. Continued loan composition shift from real estate loans to non-CREloans further diversifies our loan portfolio. 9

NET INTEREST MARGIN Net Interest Income/Margin (1) In thousands(except ratios) 2.94% 3.03% 3.16% 3.10% 3.28% $17,311 $18,109$19,358 $19,115 $21,034 Q2 2024 Q3 2024 Q4 2024 Q1 2025Q2 2025 Net Interest Income NIM 4% 3% 2% 3% 2% 19% 18%18% 17% 18% 77%79% 80% 80% 80% Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q22025 Interest-Earning Assets Mix (AVG) Total LoansInvestment Securities Cash Balances & Equivalents CommentaryNet interest income increased $1.9 million or 40.3% annualizedcompared to prior quarter and increased $3.7 million or 21.5% comparedto the second quarter 2024. NIM Drivers: Larger balance sheet. Higherloan yields. Higher security yields. Lower deposit cost. $95 millionof Q2 2025 loan production closed in June; full impact on interestincome expected to be realized in the third quarter 2025. InterestRates and Yields Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025Loans 6.16% 6.32% 6.25% 6.17% 6.23% Investment securities2.80% 2.61% 2.63% 2.81% 3.06% Interest-earning assets5.54% 5.61% 5.57% 5.51% 5.64% Deposits (2) 2.64% 2.66% 2.48%2.49% 2.46% Interest bearing liabilities 3.76% 3.79% 3.47% 3.37%3.32% Annualized. Reflects effects of non-interest-bearing deposits. 10

INTEREST RATE SENSITIVITY Loan Portfolio ProfileBy Rate Type Hybrid Arm 2% Fixed Rate 41% VariableRate57% 30% 9% 61%

Prime CMT SOFR Loan Repricing Schedule Variable/HybridRate Loans 23% 46% 16% 15% 0-1 yrs. 1-2 yrs. 2-3 yrs. >3 yrs.Static NII Simulation year 1&2 2.6% -100 +100 -2.8% -100 -0.8%0.3% +100 Net interest income charge from base ($ in thousandsand % change) 11

ASSET QUALITY Allowance for Credit Losses In thousands (exceptratios) 1.19% 1.19% 1.22% 1.22% 1.18% $22,230 $23,067 $24,070 $24,740$24,933 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Allowancefor credit losses ACL/Total Loans Non-performing Loans In thousands(except ratios) 0.04% 0.14% 0.14% 0.20% 0.06% $758 $2,725$2,707 $4,156 $1,366 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q22025 Non-accrual loans Non-performing loans total loans CommentaryAllowance for credit losses increased $193 thousand comparedto prior quarter and $2.7 million compared to second quarter 2024. ACL coverageratio decreased to 1.18% at June 30, 2025, primarily due to a $709thousand charge-off related to two consumer loans that had beenpartially reserved for in Q4 2024. Asset quality metrics improved,with declines in classified and non-performing loans followingthe sale of the collaterals securing two consumer loans. ClassifiedLoans (1) to Total Loans 0.45% 0.36% 0.37% 0.44% 0.27%Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 (1) Loans classifiedas substandard at period end. No loans classified doubtful at any ofthe dates presented. 12

LOAN PORTFOLIO MIX Loan Portfolio Mix (1) Residential realestate CRE - Owner occupied CRE - Non-owner occupied Commercialand industrial Correspondent banks Consumer and other10% 15% 9% 48% 13% 5% 10% $2,106 MM CRE Loan Mix Land/Construction5% Other 3% Retail 27% Multifamily 18% CRE-OwnerOccupied 16% Office 10% Warehouse 11% Hotels 10% $1,207MMCommentary Total loan balance at quarter end was $2,107 million (1).Commercial Real Estate (owner occupied and non-owner occupied)was 57.3% or $1,206million of the total loan portfolio(1). CRE mix is diversified and granular.Retail non-owner occupied makes up 27% of total CRE or $327.4million. CRE Loan Portfolio (non-owner occupied and owner occupied)Weighted Average Loan Type Outstanding Balance(1) LTV (2) DSCR (3) Average Loan Size (1) Retail $34856% 1.57 $3.1 Multifamily $218 57% 1.34 $1.7 Office $18355% 1.92 $1.6 Warehouse $188 55% 1.77 $1.5 Hotel $12158% 2.66 $4.5 Other $79 57% 2.16 $1.7 Land/Construction $7050% NA $3.7 As of 6/30/25 (1) Excludes deferred fees/cost(2) Includes loan types: office, warehouse, retail, and other (1) Balancein millions. Excludes deferred fees/cost. (2) LTV - Loanto value ratio. (3) DSCR - Debt service coverage ratio. 13

NON-INTEREST INCOME In thousands (except ratios) Q2 2025 Q12025 Q4 2024 Q3 2024 Q2 2024 Total service fees2,402 $2,331 $2,667 $2,544 $1,977 Wire fees $604 $570 $587 $563$557 Swap fees $428 $93 $1,076 $1,285 $650 Other $1,370 $1,668$1,004 $696 $770 Gain on sale of securities available for sale- - - - 14 Gain on sale of loans held for sale 151 525 154 109 417 Otherincome 817 860 806 785 803 Total non-interest income$3,370 $3,716 $3,627 $3,438 $3,211 Average total assets $2,677,198$2,606,593 $2,544,592 $2,485,434 $2,479,222 Non-interest income/Averageassets (1) 0.50% 0.58% 0.57% 0.55% 0.52% Commentary Non-interestincome decreased $346 thousand compared to prior quarter,primarily due to lower sales activity of SBA 7a loans. However,non-interest income increased by $159 thousand comparedto second quarter 2024 mainly in other service fees, due to increasedloan pre-payment penalties and title insurance fees. Gain on sale of SBA7a loans represented $151 thousand for the second quarter2025. Non-interest income was 13.8% of total revenue for secondquarter 2025 and 0.50% to average assets. (1) Annualized. 14

NON-INTEREST EXPENSE In thousands (except ratios) Q2 2025 Q12025 Q4 2024 Q3 2024 Q2 2024 Salaries and employee benefits$7,954 $7,636 $7,930 $7,200 $7,353 Occupancy 1,337 1,284 1,3371,341 1,266 Regulatory assessments and fees 396 421 405452 476 Consulting and legal fees 263 193 552 161 263 Network andinformation technology services 564 505 494 513 479 Other operatingexpense 2,120 2,013 2,136 1,787 1,723 Total non-interestexpense $12,634 $12,052 $12,854 $11,454 $11,560 Efficiencyratio 51.77% 52.79% 55.92% 53.16% 56.33% Non-interest expense/Averageassets (1) 1.89% 1.88% 2.01% 1.83% 1.88% Full-time equivalent employees203 201 199 198 197 Commentary Efficiency ratio for the secondquarter of 2025 was 51.77%, the lowest since the third quarterof 2021. Salaries and employee benefits increased $318 thousand comparedto the prior quarter due to sales incentives and management bonusaccruals based on the Company’s performance in the secondquarter 2025 as compared to prior quarter. (1) Annualized. 15

CAPITAL Capital Ratios (1) Leverage Ratio TCE/TA (2) Tier1 Risk-Based Capital Total Risk-Based Capital AOCIIn Millions Q2 2025 9.72% 8.52% 12.52% 13.73% ($41.8 Q12025 8.41% 12.48% 13.72% ($41.1 Q2 2024 9.03% 8.18% 11.93%13.12% ($44.7 Well-Capitalized % NA 8.00% 10.00 Commentary The Companypaid in June 2025 a cash dividend of $0.10 per share on the Company’sClass A common stock; the aggregate distributed dividend amountwas $2.0 million. AOCI was ($41.8) million or ($2.08) pershare as of June 30, 2025. Q2 2025 EOP common stock sharesoutstanding: 20,078,385. (1) Reflects the Company's regulatory capital ratioswhich are provided for informational purposes only; as a smallbank holding company, the Company is not subject to regulatorycapital requirements. (2) Non-GAAP financial measures. See reconciliationin this presentation. 16

TAKEAWAYS Leading franchise located inone of the most attractive banking markets in Florida and the U.S.Robust organic growth Strong asset quality, with limitedcharge-offs experienced since 2015 recapitalization Experiencedand tested management team Strong profitability, with pathway forfuture enhancement identified Core funded deposit base with25.3% non-interest-bearing deposits (AVG) in Q2 202517

APPENDIX - NON-GAAP RECONCILIATION In thousands(except ratios) As of or For the Three Months Ended 6/30/2025 3/31/202512/31/2024 9/30/2024 6/30/2024 Pre-tax pre-provision ("PTPP")income: (1) Net in come s 8,140 s 7,658 s 6,904 s 6,949 s 6,209Plus: Provision for in come taxes 2,599 2,440 2,197 2,213 1,967 Plus:Provision for credit losses 1,031 681 1,030 931 786 PTPP incomes 11,770 s 10,779 s 10,131 s 10,093 s 8,962 PTPP return on averageassets: (1) PTPP income s 11,770 s 10,779 s 10,131 s 10,093 s 8,962 Average assets S 2,677,198 S 2,606,593 S 2,544,592S 2,485,434 S 2,479,222 PTPP return on average assets (2) 1.76% 1.68%1.58% 1.62% 1.45% Operating net income: (1) Net in come s8,140 s 7,658 s 6,904 s 6,949 s 6,209 Less: Net gains on sale of securities- - - - 14 Less: Tax effect on sale of securities - - - - (4) Operatingnet income S 8,140 S 7,658 S 6,904 S 6,949 S 6,199 OperatingPTPP income: (1) PTPP income 1 c c c • 74 ran g An pels A c c-q q rrr 1. c s 11,770 s 10,779 s 10,131 s 10,093 s 8,962 1 A -S3.Ne- 9al13 01 Sale CI securities Operating PTPP income S 11,770S 10,779 s 10,131 S 10,093 S 1 4 8,948 Operating PTPP return on averageassets: (1) Operating PTPP income s 11,770 s 10,779 s 10,131 s10,093 s 8,948 Average assets S 2,677,198 S 2,606,593 S2,544,592 S 2,485,434 S 2,479,222 Operating PTPP return on averageassets (2) 1.76% 1.68% 1.58% 1.62% 1.45% Operating return on averageassets: (1) Operating net in come s 8,140 s 7,658 $ 6,904 s 6,949 s 6,199 Averageassets S 2,677,198 S 2,606,593 S 2,544,592 s 2,485,434 S 2,479,222Operating return on average assets (2) 1.22% 1.19% 1.08% 1.11%1.01% Operating return on average equity: (1) Operating netin come S 8,140 S 7,658 S 6,90 4 S 6,949 S 6,199 Averageequity S 228,492 S 219,505 S 21 5,715 S 206,641 S 197,755 Operatinqreturn on averaqe equity (2) 1 4.29% 14.15% 1

2.73% 13.38% 12.61% Operating Revenue: (a Ioave5% Io rmn. (1) c2 1 09 A c 40 AAc c 1 o 2c o c 49A no s 17914 Ie. Ine.CS. "I comeNon-interest income • — 1 ,‘9A 3,370 • o, 1 s 3,716 • 1 J,00C3,627 • i •, i US 3,438 If,— 1 3,211 Less: Net gains on sale of securities- - - - 14 Operating revenue s 24,40 4 S 22,831 S 22,985S 21,547 S 20,508 Operating Efficiency Ratio: (1) Total non-interestexpense s 12,634 s 12,052 s 12,854 s 11,454 s 11,560 Operating revenues 24,404 s 22,831 s 22,985 s 21,547 s 20,508 Operating efficiencyratio 51.77% 52.79% 55.92% 53.16% 56.37% (1)The Company believesthese non-GAAP measurements are key indicators of the ongoingearnings power of the Company. (2) Annualized. 18

APPENDIX - NON-GAAP RECONCILIATION In thousands(except ratios and share data) As of or For the Three Months Ended6/30/2025 3/31/2025 12/31/2024 9/30/2024 6/30/2024 Tangiblebook value per common share (at period-end): (1) Total stockholders’equity s 231,583 s 225,088 s 215,388 s 213,916 s 201,020 Less: Intangibleassets - - - - - Less: Preferred stock Tangible stockholders’equity s 231,583 s 225,088 s 215,388 s 213,916 s 201,020 Total sharesissued and outstanding (at period-end): Total common sharesissued and outstanding 20,078,385 20,048,385 19,924,632 19,620,63219,630,632 Tangible book value per common share (2)S 11.53 S 11.23 S 10.81 S 10.90 S 10.24 Operating diluted netincome per common share: (1) Operating net income s 8,140 s 7,658s 6,904 s 6,949 s 6,199 Total weighted average diluted sharesof common stock 20,295,794 20,319,535 20,183,731 19,825,21119,717,167 Operating diluted net income per common share: s 0.40s 0.38 s 0.34 s 0.35 s 0.31 Tangible Com m on Equity/TangibleAssets (1) Tangiblestockholders’ equity s 231,583 s 225,088 s 215,388 s 213,916s 201,020 Tangible total assets (3) $ 2,719,474 $ 2,677,382$ 2,581,216 $ 2,503,954 $ 2,458,270 Tangible CommonEquity/Tangible Assets 8.52% 8.41% 8.34% 8.54% 8.18%1. The Company believes these non-GAAP measurements arekey indicators of the ongoing earnings pow er of the Company.2. Excludes the dilutive effect if any, of shares of common stockIssuable upon exercise of outstanding stock options. 3. Since theCompany has no intangible assets, tangible total assets is the sameamount as total assets calculated under GAAP. 19

CONTACT INFORMATION LOU DE LA AGUILERAChairman, President & CEO (305) 715-5186 laguilera@uscentury.comROB ANDERSON EVP, Chief Financial Officer (305)715-5393 rob.anderson@uscentury.com INVESTOR RELATIONSInvestorRelations@uscentury.com 20