Exhibit 99.2

USCB FINANCIAL HOLDINGS EARNINGS PRESENTATIONSECOND QUARTER 2026 NASDAQ: USCB

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 potential future additional balancesheet restructuring. All numbers included in this presentation areunaudited unless otherwise noted. These forward-looking statements involvesignificant risks and uncertainties that could cause our actualresults to differ materially from those anticipated in such statements.Potential risks and uncertainties include, but are not limited to: thestrengthof the United States economy in general and the strength of the localeconomies in which we conduct operations; our ability to successfullymanage interest rate risk, credit risk, liquidity risk, and other risks inherentto our industry; the accuracy of our financial statement estimatesand assumptions, including the estimates used for our allowancefor credit losses; 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 jurisdictionwhere we operate; adverse changes or conditions in the capitaland financial markets, including actual or potential stresses inthe banking industry; deposit attrition and the level of our uninsureddeposits; legislative or regulatory changes and changes, includingthe enactment of the One Big Beautiful Bill, in accounting principles,policies, practices or guidelines; the lack of a significantly diversifiedloan 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; fluctuationsin the price of our common stock; our ability to fund or accessthe capital markets at attractive rates and terms and manage our growth,both organic growth as well as growth through other means, such asfuture acquisitions; inflation, interest rate, unemployment rate,and market and monetary fluctuations; the effects of potentialnew or increased tariffs, retaliatory tariffs and trade restrictions;the impact of international hostilities and geopolitical events; increasedcompetition and its effect on the pricing of our products and servicesas well as our net interest rate spread and net interest margin;the loss of key employees; the effectiveness of our risk managementstrategies, including operational risks, including, but not limitedto, client, employee, or fourth-party fraud and security breaches;and other risks described in this presentation and other filings wemake 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 not

differ materially from expectations. Therefore, you are cautionednot to place undue reliance on any forward-looking statements. Further,any forward-looking statements included in this presentation aremade only as of the date hereof, and we undertake no obligationto updateor revise any forward-looking statements to reflect events or circumstancesoccurring after the date on which the statements are made or to reflectthe occurrence of unanticipated events, unless required to do so underthe federal securities laws. You should also review the risk factorsdescribed in the reports USCB Financial Holdings, Inc.has filed or will file with the SEC. Non-GAAP Financial MeasuresThis presentation includes financial information determined by methodsother than in accordance with generally accepted accounting principles (“GAAP”). This financial information includes certainoperating performance measures. Management has includedthese non-GAAP financial measures because it believes these measuresmay provide useful supplemental information for evaluating theCompany’s expectations and underlying performance trends.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-GAAPmeasures that may be presented by other companies. Reconciliationsof these non-GAAP measures to the most directly comparableGAAP measures can be found in the Non-GAAP financial measuresreconciliation tables included in this presentation. 2

Q2 2026 HIGHLIGHTS - Strong Earnings Growth Driven by Loan Production& Margin Expansion GROWTH EOP assets surpassed $3.0 billion.Average loans increased $81.2 million or 15.0% annualizedover Q1. Average deposit increased $61.9 million or 10.2% annualizedfrom Q1. Average DDA increased $47.4 million or 32.5%over Q1. EARNINGS & PROFITABILITY ROAA was 1.26%and ROAE was 15.90%. PTPP ROAA(1) was 1.93% improvementfrom 1.79% for Q1. Net income was $9.1 million, or $0.49 per dilutedshare. Net interest income before provision for credit losses increasedto $24.4M, up $2.3 million or 42.6% annualized over Q1. Net interestmargin improved to 3.49% from 3.27% for Q1. Deposit cost decreased4 bps to 2.16% from Q1. Efficiency ratio was 49.97% improvement from52.34% for Q1. CAPITAL/ CREDIT Non-performingloans totaled $2.1 million or 0.09% of total loans. ACL coverageratio was 1.15% of total loans. Net charge-offs to average loans was 0.05% Totalrisk-based capital ratio was 13.88% for the Company. Non-GAAP financial measure. See reconciliation in this presentation.3

HISTORICAL FINANCIALS – Consistent Growth, Profitability andCredit Discipline Loans In millions $765 $2,322 2017 2018 20192020 2021 2022 2023 2024 2025 Q2 2026 Deposits In millions $820$2,452 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q2 2026Total Stockholders’ Equity In millions $114 $233 20172018 2019 2020 2021 2022 2023 2024 2025 Q2 2026 ACL/TotalLoans 1.33% 1.15% 2017 2018 2019 2020 2021 2022 2023 20242025 Q2 2026 Net charge-offs (recoveries) In thousands ($2,182)$2,885 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q2 2026Nonperforming Assets/Total Assets 0.17% 0.07% 2017 20182019 2020 2021 2022 2023 2024 2025 Q2 2026 Net InterestIncome In millions $31 $84 2017 2018 2019 2020 2021 2022 20232024 2025 Q2 2026 Efficiency ratio 86.65% 49.97% 2017 2018 20192020 2021 2022 2023 2024 2025 Q2 2026 PTPP ROAA 0.52%1.93% 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q2 2026 (1) Loanamounts include deferred fees/costs. (2) ACL was calculatedunder the CECL standard methodology for all periods beginningJanuary 1, 2023, and the incurred loss methodology for all periodsbefore. (3) Non-GAAP financial measure. See reconciliation inthis presentation. 4

DIFFERENTIATED FRANCHISE DRIVING CONSISTENTPERFORMANCE Attractive Market South Florida franchisepositioned in dynamic and growing markets. Commercially attractivefootprint Business and wealth-migration tailwinds Relationship opportunitiesacross local markets A Dynamic Market Driving BusinessGrowth Business Verticals Diversified funding supportedby targeted relationship verticals. Association Banking PrivateClient Group Correspondent Banking Deposit-focused verticals: approx.30% of deposits at 6/30/26 Relationship-Driven Model Local decision-making with direct access to experienced bankers. Faster executionthan larger institutions Senior-level client engagement High-touchconcierge service for commercial and private clients Community-bankresponsiveness with public-bank discipline Proven ExecutionStrong earnings, disciplined growth and excellent credit quality.Q2 2026 ROAA: 1.26%; ROAE: 15.90% Average loans+15.0% Annualized Q2oQ1 NPLs: 0.07% of total assets Quarterlyperformance reflects disciplined execution A scalable community-bank model combining local execution, specialized deposits, disciplinedcredit and attractive market positioning. 5

FINANCIAL RESULTS – Strong Operating PerformanceDriven by Balance Sheet Growth Balance Sheet (EOP) Income StatementIn thousands (except per share data) Q2 2026 Q1 2026 Q22025 Total Securities $468,986 $427,091 $444,122 TotalLoans (1) $2,322,385 $2,241,051 $2,113,318 Total Assets $3,019,701$2,845,735 $2,719,474 Total Deposits $2,452,271 $2,493,580$2,335,661 Total Equity (2) $233,238 $223,246 $231,583 NetInterest Income $24,387 $22,048 $21,034 Non-Interest Income$3,560 $4,150 $3,370 Total Revenue (3) $27,947 $26,198$24,404 Provision for Credit Losses $1,267 $801 $1,031 Non-InterestExpense $13,966 $13,711 $12,634 Income Before IncomeTaxes $12,714 $11,686 $10,739 Income Tax Expense$3,636 $2,335 $2,599 Net Income $9,078 $9,351 $8,140 DilutedEarnings Per Share (EPS) $0.49 $0.51 $0.40 PTPP Net Income(4) $13,981 $12,487 $11,770 Weighted AverageDiluted Shares 18,509,572 18,454,006 20,295,794 (1) Loan amounts includedeferred fees/costs. (2) Total Equity includes accumulated othercomprehensive loss of $31.4 million for Q2 2026, $31.3 million forQ1 2026, and $41.8 million for Q2 2025. The increasein total stockholders’ equity was partially offset by the cost of the repurchaseof 2.0 million shares of Class A common stock in September 2025, aspreviously disclosed. (3) Equals net interest income plus non-interest income. (4) Non-GAAP financial measures. See reconciliationin this presentation. 6

KEY PERFORMANCE INDICATORS - Profitable GrowthDriving Shareholder Value In thousands (except forTBV/share and ratios) Q2 2026 Q1 2026 Q2 2025 GROWTH ProfitabilityCAPITAL/CREDIT Total Assets (EOP) $3,019,701 $2,845,735$2,719,474 Total Loans (EOP) (1) $2,322,385 $2,241,051$2,113,318 Total Deposits (EOP) $2,452,271 $2,493,580$2,335,661 Tangible Book Value/Share (2)(3)(5)$12.64 $12.23 $11.53 Return On Average Assets (4) 1.26% 1.34%1.22% PTPP Return On Average Assets (4)(5) 1.93% 1.79%1.76% Return On Average Equity (4) 15.90% 17.07% 14.29%Net Interest Margin (4) 3.49% 3.27% 3.28% EfficiencyRatio 49.97% 52.34% 51.77% Tangible Common Equity/TangibleAssets (3)(5) 7.72% 7.84% 8.52% Total Risk-Based Capital (6)13.88% 14.09% 13.73% NCO/Avg Loans (4) 0.05%0.00% 0.14% NPA/Assets 0.07% 0.13% 0.05% Allowancefor Credit Losses/Loans 1.15% 1.16% 1.18% (1) Loan amountsinclude deferred fees/costs. (2) AOCI effect on tangible book valueper share was ($1.70) for Q2 2026, ($1.72) for Q1 2026 and ($2.08)for Q2 2025. (3) TBV/share and TCE/TA were affectedby the effect of the cost of the repurchase of 2.0 million shares of Class A commonstock in September 2025 in stockholders' equity, as previouslydisclosed. (4) Annualized. (5) Non-GAAP financial measure.See reconciliation in this presentation. (6) Reflects the Company's regulatorycapital ratios. 7

DEPOSIT PORTFOLIO – DDA Above $600MM Drives LowerDeposit Costs and Margin Expansion Deposits AVG Non-interest-bearing demand deposits Interest-bearing deposits Deposit EOPIn millions Non-interest-bearing demand deposits Savings andmoney market deposits Interest-bearing checking deposits Timedeposits Commentary Average DDA deposits increasedby $47.4 million or 32.5% annualized compared to prior quarter.Average deposits totaled $2.5 billion, reflecting an increaseof $61.9 million or 10.2% annualized compared to prior quarter andan increase of $198.3 million or 8.7% compared to the second quarterof 2025. Deposit cost improved to 2.16%, decreasing 4 bps quarter-over-quarter and 30 bps year-over-year. Deposit Cost Q2 2025 Q32025 Q4 2025 Q1 2026 Q2 2026 Interest-Bearing Deposits 3.29%3.29% 3.02% 2.89% 2.90% Total Deposits (1) 2.46% 2.53%2.28% 2.20% 2.16% (1) Reflects effects of non-interest-bearingdeposits. (1) Reflects effects of non-interest-bearing demand deposits.8

LOAN PORTFOLIO – Loan Growth Momentum Positions USCBfor Sustained Performance Total Loans (AVG) Inmillions 6.23% 6.21% 6.16% 6.11% 6.20% $2,057 $2,099 $2,131$2,178 $2,259 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 LoansLoan Yields Total Gross Loans (EOP) (1) In millionsNet Growth $2,106 $2,125 $2,183 $2,234 $2,317 $218 $208 $207 $208$208 $110 $105 $128 $128 $138 $264 $269 $296 $291 $300 $307$317 $308 $347 $357 $1,207 $1,226 $1,245 $1,260 $51,314 Q2 2025Q3 2025 Q4 2025 Q1 2026 Q2 2026 Commercial realestate Residential real estate Commercial and industrial Correspondent banksConsumer and other Commentary Average loans increased$81.2 million or 14.96% annualized compared to prior quarter and$201.5 million or 9.8% compared to second quarter 2025. Loanyield increased to 6.20% in Q2 2026, driven by the full-quarterimpact of prior-quarter originations and new loans added during thequarter. (1) Excludes deferred fees/cost. 9

LOAN PRODUCTION – Record Quarterly Loan Production of $272 MillionNet Loan Production Trend In millions, except for ratios 7.12%6.43% 5.93% 5.87% 5.90% $187 $110 $132 $113 $196 $137$188 $136 $272 $189 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026Loan Production/Line changes Loan Amortization/payoffs Newloans weighted average coupon Loan Composition Trend EOP(1) In millions, except for ratios $948 $2,317 28% 15% 63% 57%9% 28% Jun-26 Jun-26 Residential real estate Commercialreal estate Real Estate Loans Commercial and industrial, Correspondentbanks, and consumer and other (1) Excludes deferredfees/cost. Commentary Gross loan production totaled $272.0 million duringthe second quarter of 2026, with June closings accounting for $116.5million or 42.6%, of total quarterly production. Additionally,$83.5 million, or 30.6% of quarterly loan closings, consistedof correspondent banking loans, which carried a new‑loan yield of5.22%; these loans are typically 180-day notes. Excluding correspondentbanking loan production, the weighted‑average yield on new loansoriginated during the quarter was 6.20%. Embedded prepayment penaltieshelp protect yield and earnings in the event of early loan prepayments.10

NET INTEREST MARGIN – NIM Driven by Loan Growth and StableFunding Cost Net Interest Income/Margin (1) In thousands (exceptratios) Net Interest Income NIM Interest-Earning Assets Mix(AVG) Total Loans Investment Securities CashBalances & Equivalents Commentary Net interest incomeincreased $2.3 million or 42.6% annualized compared to prior quarterand $3.4 million or 15.9% compared to second quarter 2025. Interest-earning asset mix shifted toward higher-yielding assets, while lowerfunding costs and the increase in yields drove net interest income anda 3.49% NIM. Interest Rates and Yields Q2 2025 Q3 2025 Q42025 Q1 2026 Q2 2026 Loans 6.23% 6.21% 6.16% 6.11% 6.20%Investment securities 3.06% 3.03% 3.01% 3.05% 3.35% Interest-earning assets 5.64% 5.56% 5.54% 5.49% 5.67% Deposits (2) 2.46%2.53% 2.28% 2.20% 2.16% Interest-bearing liabilities 3.32%3.34% 3.14% 3.05% 3.05% Annualized. Reflects effects ofnon-interest-bearing deposits. 11

ASSET QUALITY – Exceptional Credit Quality Supports SustainableGrowth Allowance for Credit Losses In thousands (exceptratios) 1.18% 1.17% 1.16% 1.16% 1.15% $24,933 $24,964 $25,500 $26,102$26,701 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Allowancefor credit loss ACL/Total loans Non-performing Loans In thousands(except ratios) 0.06% 0.06% 0.14% 0.16% 0.09% $1,366 $1,310$3,138 $3,640 $2,148 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026Non-accrual loans Non-performing loans to total loans CommentaryThe allowance for credit losses had a net increase of $599 thousandfrom the prior quarter, as reserves built for loan growth werepartially offset by $288 thousand net charge-offs. ACL coverage ratiowas 1.15% as of June 30, 2026. Non‑performing loans decreasedby $1.5 million from the prior quarter to $2.1 million. The non‑performingloans‑to‑total loansratio decreased to 0.09% as of June 30, 2026. Classified Loans(1) to Total Loans 0.27% 0.22% 0.29% 0.30% 0.20% Q22025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 (1) Loans classified assubstandard at period end. No loans classified doubtful at any of thedates presented. 12

NON-INTEREST INCOME - Diversified Fee Income ProvidesConsistent Revenue Contribution In thousands (except ratios) Q2 2026Q1 2026 Q4 2025 Q3 2025 Q2 2025 Total service fees$2,601 $3,100 $2,209 $2,661 $ 2,402 Wire fees $618 $623 $656 $647$604 Swap fees $572 $1,554 $449 $790 $428 Other $1,411$923 $1,104 $1,224 $1,370 Gain (loss) on sale of securitiesavailable for sale - $14 ($7,498) ($28) - Gain on sale of loansheld for sale - $106 $197 $128 $151 Other income $959 $930 $914$923 $817 Total non-interest income $3,560 $4,150 ($4,178)$3,684 $3,370 Average total assets $2,900,725 $2,834,717$2,799,863 $2,798,115 $2,677,198 Non-interest income/Averageassets (1) 0.49% 0.59% (0.59%) 0.52% 0.50% Commentary Non-interestincome decreased in the second quarter of 2026, primarily due toelevated swap loan activity in the prior quarter. Other servicefee income increased $488 thousand, driven primarily by a $432 thousandincrease in loan prepayment penalty income compared to theprior quarter. Non-interest income was 12.7% of total revenuefor second quarter 2026. (1) Annualized. 13

NON-INTEREST EXPENSE - Expense Management Supports OperatingLeverage In thousands (except ratios) Q2 2026 Q1 2026 Q4 2025 Q32025 Q2 2025 Salaries and employee benefits $8,537 $8,570 $8,668$7,909 $7,954 Occupancy 1,369 1,316 1,327 1,382 1,337 Regulatoryassessments and fees 397 484 443 377 396 Consulting and legalfees 583 561 900 585 263 Network and information technology services524 560 599 656 564 Other operating expense 2,556 2,220 2,3382,139 2,120 Total non-interest expense $13,966 $13,711$14,275 $13,048 $12,634 Operating efficiency ratio (1) 49.97%52.36% 55.92% 52.22% 51.77% Non-interest expense/Averageassets (2) 1.93% 1.96% 2.02% 1.85% 1.89% Full-time equivalent employees216 211 204 206 203 Commentary Efficiency ratio improvementto 49.97% supported by higher net interest income duringthe quarter. Total non-interest expense increased by $255thousand compared to the prior quarter, primarily driven by a $312thousand excise tax expense on share repurchases executedin 2025, which was recorded in other operating expense. (1) Non-GAAP financialmeasures. See reconciliation in this presentation. (2) Annualized.14

CAPITAL - Strong Capital Levels Support Continued Organic GrowthCapital Ratios (1) Leverage Ratio TCE/TA (2) Tier 1 Risk-BasedCapital Total Risk-Based Capital AOCI In Millions Q2 2026 8.81%7.72% 11.01% 13.88% ($31.4) Q1 2026 8.61% 7.84% 11.09%14.09% ($31.3) Q2 2025 9.72% 8.52% 12.52% 13.73% ($41.8) Well-Capitalized 5.00% NA 8.00% 10.00% Commentary On July 20, 2026,the Company’s Board of Directors declared a quarterly cashdividend of $0.125 per share on the Company’s Class A common stock.The dividend will be payable on September 4, 2026, to shareholdersof record as of the close of business on August 17, 2026. Q2 2026 EOPcommon stock shares outstanding: 18,459,470. AOCI was ($31.4)million or ($1.70) per share as of June 30, 2026. (1) Reflects theCompany's regulatory capital ratios. (2) Non-GAAP financialmeasures. See reconciliation in this presentation. 15

TAKEAWAYS - Attractive Franchise Positionedfor Continued Growth Leading franchise located in one of themost attractive banking markets in U.S. Scarcity value in the Miami MSARobust capital position with regulatory ratios well in excess of “wellcapitalized” threshold Low risk, commercially oriented loanportfolio Demonstrated profitability profile since 2015 recapfurther improved by current management team Strong asset quality– minimal charge-offs experienced since 2015 recapAttractive deposit base driven by steady growth in specialized verticals Balancedliquidity profile with a 94.7% loan/deposit ratio (EOP) 16

APPENDIX – NON-GAAP RECONCILIATION In thousands(except ratios) USCB FINANCIAL HOLDINGS, INC. NON-GAAPFINANCIAL MEASURES (UNAUDITED) (Dollars in thousands)As of or For the Three Months Ended 6/30/2026 3/31/202612/31/2025 9/30/2025 6/30/2025 Pre-tax pre-provision ("PTPP")income: (1) Net income $ 3078 $ 3351 $ 1363 $ 8939 $ 8140Plus: Income tax expense 3638 2935 1911 2866 2639 Plus:Provision for credit losses 1267 501 480 105 1031 PTPP income $ 13981$ 12487 $ 3754 $ 11910 $ 11770 PTPP return on averageassets: (1) PTPP income $ 13981 $ 12487 $ 3754 $ 11910 $ 11770Average assets $ 2900725 $ 2834717 $ 2793863 $ 2798315$ 2877198 PTPP return on average assets 193% 179% 0.53% 169%176% Operating net income: (1) Net income $ 3078 $ 3351$ 1363 $ 8939 $ 8140 Less: Net gains (losses) on sale of securities$ 14 $ (7,498) $ (28) Less: Tax effect on sale of securities (4)1900 7 Plus: Tax (benefit) liability expense from prior periods(619) [4] 1096 [4] Operating net income $ 3078 $ 8722 $ 8057 $8960 $ 8140 Operating return on average assets: (1) Operating netincome $ 3078 $ 8722 $ 8057 $ 8960 $ 8140 Average assets $ 2900725$ 2834717 $ 2793863 $ 2798115 $ 2677198 Operating netincome return on average assets 128% 125% 114% 127%122% Operating return on average equity: (1) Operating net income$ 3078 $ 8722 $ 8057 $ 8960 $ 8140 Average equity $228333 $ 222326 $ 212393 $ 225316 $ 228432 Operating net incomereturn on average equity 15.90% 15.32% 15.05% 15.78%14.23% Operating revenue: (1) Net interest income $ 24387 $ 22048$ 22207 $ 21274 $ 21034 Non-interest income 3560 4150 (4,178)3684 3370 Less: Net gains (losses) on sale of securities 14 (7,438)(28) Operating revenue $ 27347 $ 26184 $ 25527 $ 24386$ 24404 Operating efficiency ratio: (1) Total non-interestexpense $

13366 $ 13711 $ 14275 $ 13048 $ 12634 Operating revenue $ 27347$ 26184 $ 25527 $ 24386 $ 24404 Operating efficiency ratio49.37% 52.36% 55.92% 52.22% 51.77% (1) The Company believesthese non-GAAP financial measurements are key indicatorsof the ongoing earnings power of the Company. (2) Annualized.(3) The Company recognized a $619 thousand income tax benefitin the first quarter of 2026 due to an adjustment to the deferred tax asset calculation from 2025. (4) State tax liability expenses for2024 and for the first three quarters of 2025 were recognizedduring the fourth quarter of 2025. The state tax expense is relatedto taxes due on interest income on loans whose collateral is locatedoutside of the State of Florida. 17

APPENDIX – NON-GAAP RECONCILIATION In thousands(except ratios and share data) As of or For the Three Months Ended6/30/2026 3/31/2026 12/31/2025 9/30/2025 6/30/2025 Tangiblebook value per common share (at period-end): (1)(4) Totalstockholders' equity $ 233,238 $ 223,246 $ 217,183 $ 209,095 $ 231,583Less: Intangible assets Tangible stockholders' equity (3) $233,238 $ 223,246 $ 217,183 $ 209,095 $ 231,583 Total sharesissued and outstanding (at period-end): Total common sharesissued and outstanding 18,459,470 18,257,400 18,137,885 18,107,38520,078,385 Tangible book value per common share(2) $ 12.64 $ 12.23 $ 11.97 $ 11.55 $ 11.53 Operating dilutednet income per common share: (1) Operating net income $ 3,078$ 8,722 $ 8,057 $ 8,960 $ 8,140 Total weighted averagediluted shares of common stock 18,509,572 18,454,006 18,348,725 19,755,82020,295,794 Operating diluted net income per common share: $ 0.49$ 0.47 $ 0.44 $ 0.45 $ 0.40 Tangible Common Equity/TangibleAssets (1)(4) Tangible stockholders' equity (3) $ 233,238$ 223,246 $ 217,183 $ 209,095 $ 231,583 Tangible total assets (3)$ 3,019,701 $ 2,845,735 $ 2,791,540 $ 2,767,945 $ 2,719,474 TangibleCommon Equity/Tangible Assets 7.72% 7.84% 7.78% 7.55% 8.52%(1) The Company believes these non-GAAP financial measurements arekey indicators of the ongoing earnings power of the Company.(2) Excludes the dilutive effect, if any, of shares of commonstock 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 in September 2025 wasprimarily driven by the repurchase of 2.0 million shares of ClassA common stock, as previously

disclosed. 18

APPENDIX – BUSINESS VERTICALS Differentiated BankingProduct Offerings and Services Private Client Group (1) $328MM DepositsDeposit aggregating focus/strategy. Tailored products& services for professionals, professional firms, business owners, andaffluent individuals and their families. PCG also provides concierge-level banking service for the legal and healthcare sectors deliveringfinancial solutions designed specifically for these professionals.Yacht Lending $203MM Loans Yacht financing forlarger vessels, transaction range is $750k -$7.5MM. Brokeredoriented business, 3 vendor approved brokers. Member of the NationalMarine Lenders Association. Launched this new vertical in 2022.Association Banking $165MM Deposits / $135MM Loans Depositaggregating focus/strategy. Banking for Homeowner Associationsand Property Managers. Offer deposit collection servicesand esoteric lending solutions ranging from insurance premium andlarge capital improvementsfinancing. Significant lending capacity to target large credits.SBA / Small Business Lending $64MM Loans Relationship-orientedbusiness focused on delivering fast loan commitments to small andmedium-sized enterprises. Predominately small business line ofcredits and CD secured loans. Affordable SBA loan provider.Approved by the SBA to participate in the Preferred LendersProgram. Specialty banking products, services and solutions designed forsmall businesses, homeowner associations, law firms, medicalpractices and other professional services firms, yacht lending and globalbanking services Correspondent Banking $245MM Deposits / $139MMLoans Comprehensive range of both domestic and internationalservices with the latest in technology to ensure quick processing.Focus on Caribbean and Latin American countries. Correspondentbanking services include letters of credit, foreign collections,

wire transfers, ForEx and trade finance. Balances as of June 30, 2026. (1)Effective 4th quarter 2025, the Private Client Group verticalnow includes balances for the entire business unit, encompassingnot only some Jurist Advantage and Health Industry sectors, butalso other professional and affluent client segments. Accordingly,balances presented for PCG reflect the full scope of the businessunit, rather than select sectors as previously reported. Whenevaluating period-over-period trends, please consider this expandedscope. 19

APPENDIX – LOAN PORTFOLIO MIX Loan Portfolio Mix (1)15% Residential real estate 9% CRE – Owner occupied 48%CRE – Non-owner occupied 13% Commercial and industrial 6%Correspondent banks 6% Consumer and other 9% $2,317MMCRE Loan Mix Other 3% Retail 25% Multifamily 24% CRE – OwnerOccupied 16% Office 9 % Warehouse 12% Hotels 8%Land/Construction 3% $1,314MM Commentary Total loan balanceat quarter end was $2,317 million (4). Commercial Real Estate(owner occupied and non-owner occupied) was 56.7% or $1,314million of the total loan portfolio. CRE mix is diversified and granular.Retail non-owner occupied makes up 25% of total CRE or $330.8million. CRE Loan Portfolio (non-owner occupied and owneroccupied) Weighted Average Loan Type OutstandingBalance (1) LTV (2) DSCR (3) Average Loan Size (1)Retail $352 55% 1.52 $3.0 Multifamily $322 55% 1.31 $2.0 Office$187 53% 1.96 $1.5 Warehouse $235 56% 1.57 $1.7 Hotel$100 56% 2.02 $3.9 Other $86 53% 1.84 $1.8 Land/Construction$41 51% NA $1.9 As of 06/30/26 (1) Balance in millions. Excludesdeferred fees/cost. (2) LTV - Loan to value ratio. (3)DSCR - Debt service coverage ratio. (4) Excludes deferredfees/cost (5) Includes loan types: office, warehouse, retail, and other 20

APPENDIX – SECURITIES PORTFOLIO EOP for BalanceSheet amounts, in millions Portfolio Composition CMO 25% MBS 14%CMBS 47% SBA 6% Agency 4% Municipalities 1% Corporate3% Bank Subordinated Debt Securities Portfolio Key MetricsMetrics as of 06/30/2026 Securities portfolio $ 469.0 AFS as %of portfolio 71% HTM as % of portfolio 29% Qtr. weighted avg.port. yield 3.35% Average life 6.4 Modified duration 5.3Commentary Securities portfolio totaled $469.0 million; 71.0% of theportfolio is classified as AFS, while 29.0% is classified as HTM.The modified duration is 5.3 and the average life is 6.4 years.Duration has increased because we have purchasedlonger-duration bonds to protect the balance sheet from expected lower interestrates. We expect to receive $27.5 million from the securitiesportfolio for the remainder of 2026, at current rates; these cashflowswill support loan growth and/or deposit volatility. 86% ofthe portfolio is invested in agency mortgage-backed securities, boostingliquidity. Estimated Short Term Cashflows -100 Base +1002026 $44.3 $27.5 $25.4 2027 $78.6 $58.5 $52.9 2028 $54.4 $49.1$44.8 2029 $41.9 $41.9 $38.9 Total Cashflow $219.2 $176.9$162.0 Total Cashflow / Total Portfolio 42% 34% 31% 21

APPENDIX – INTEREST RATE SENSITIVITY LoanPortfolio Repricing Profile by Rate Type Hybrid ARM $85MM4% Fixed Rate $851MM 37% Variable Rate $1,381$ 59%$2,317MM 8% 56% 36% Loan Repricing Schedule Variable& Hybrid Rate Loans $387MM 27% $794MM 54% $163MM 11%$122M 8% $1,466MM 0-1 yrs. 1-2 yrs. 2-3 yrs. >3 yrs. Static NII SimulationYear 1 & 2 Year 1 Year 2 2.6% -3.1% in thisslide the Static NII Simulation percentages must be updated manually0.9% -2.3% Net Interest Income change from base ($ in thousandsand % change) 22

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 23