exhibit992

Exhibit

99.2

USCB FINANCIAL HOLDINGS EARNINGS PRESENTATION THIRD QUARTER

2026 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

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 future

additional

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;

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; 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

potential

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

fourth-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,

any 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.

Q3 2026

HIGHLIGHTS

- Highest Quarterly

Net Income Since

IPO EARNINGS

& PROFITABILITY

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 million for Q2. Net interest

margin was 3.37% compared to 3.49% for

Q2. Deposit cost increased

3 bps to

2.19% compared to Q2. Efficiency ratio

was 54.62% compared to 49.97%

for Q2. BALANCE

SHEET EOP

total assets

totaled

$3.01 billion. Average loans

increased

$50.1 million or 8.8% annualized compared to Q2. Average

deposits

increased

$22.3 million or 3.6% annualized compared to Q2. Average

DDA

increased

$40.7 million or 7.2% over prior year. Accumulated

other comprehensive

income. CAPITAL/ CREDIT

Non-performing loans were

$7.7 million,

or 0.33%

of total loans,

with the increase

primarily attributable

to one loan. ACL

to total loans

was 1.16%. Net charge-offs

were negligible

during the quarter

$23 thousand. Total risk-based

capital

ratio

was 14.07% for the Company. AOCI(1)

loss widened $11.9 million to $43.3 million compared to Q2. Accumulated other comprehensive

income. 3

HISTORICAL

FINANCIALS

– Consistent Growth, Profitability

and Credit Discipline

EOP for Balance Sheet amounts Loans (1)

(In millions)

$765 $2,322 2017 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q3 2026 Deposits

(In millions)

$820 $2,446 2017 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q3 2026 Total

Stockholders’ Equity (In millions)

$114 $229 2017 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q3 2026 ACL/Total

Loans (2) 1.33% 1.16%

2017 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q3 2026 Net

charge-offs (recoveries) (In thousands) ($2,182) $23 2017 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q3 2026 Nonperforming

Assets/Total Assets

0.17% 0.26% 2017 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q3

2026 Net Interest

Income

(In millions)

$31 $84 2017 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q3 2026 Efficiency

ratio 86.65% 54.62% 2017 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q3

2026 PTPP ROAA

(3) 0.52% 1.64%

2017 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q3 2026 (1)

Loan amounts

include deferred fees/costs.

(2) ACL

was calculated

under the CECL

standard methodology

for all periods

beginning January 1, 2023,

and the incurred

loss methodology

for all periods

before. (3) Non-GAAP

financial measure.

See reconciliation in

this presentation. 4

DIFFERENTIATED

FRANCHISE

DRIVING

CONSISTENT

PERFORMANCE

Attractive

Market South Florida franchise

positioned in dynamic and growing

markets.

Commercially attractive

footprint Business and wealth-migration

tailwinds Relationship

opportunities

across

local

markets A Dynamic market driving business

growth Relationship-Driven

Model Local decision-making

with direct

access

to experienced

bankers. Faster

execution

than larger

institutions Senior-level

client

engagement High-touch concierge

service

for commercial

and private clients

Community-bank

responsiveness

with public-bank discipline Business

Verticals

Diversified

funding supported by targeted relationship

verticals.

Association Banking Private

Client Group Correspondent Banking Deposit-focused

verticals:

approx. 30%

of deposits at

9/30/26 Proven Execution Strong earnings, disciplined

growth and

sound credit quality.

Q3 2026

ROAA:

1.27%; ROAE:

16.03% Average loans +10.0% year-over-year NPLs/total

assets:

0.26% Quarterly performance

reflects

disciplined

execution

A scalable

community-bank

model combining local execution,

specialized

deposits,

disciplined

credit

and attractive

market positioning. 5

FINANCIAL

RESULTS

– Net Interest

Income Up 14.2% Year-over-Year

Balance

Sheet (EOP) Income Statement

Q3 2026 Q2

2026 Q3 2025 In thousands

(except per share

data)

Total Securities

$475,725 $468,986 $480,544 Total Loans (1) $2,322,094 $2,322,385 $2,130,966 Total

Assets $3,011,481 $3,019,701 $2,767,945 Total Deposits

$2,446,315 $2,452,271 $2,455,614 Total Equity (2)

$229,362 $233,238 $209,095 Net Interest

Income $24,300 $24,387 $21,274 Non-Interest

Income

$2,672 $3,560 $3,684 Total Revenue

(3) $26,972 $27,947 $24,958 Provision for

Credit Losses $53 $1,267 $105 Non-Interest

Expense $14,731 $13,966 $13,048 Income Before

Income Taxes

$12,188 $12,714 $11,805 Income Tax

Expense $2,660 $3,636 $2,866 Net Income

$9,528 $9,078 $8,939 Diluted Earnings

Per Share (EPS)

$0.51 $0.49 $0.45 Weighted Average

Diluted Shares

18,662,385 18,509,572 19,755,820 (1) Loan amounts

include deferred fees/costs.

(2) Total Equity includes

accumulated

other comprehensive

loss of $43.3 million for Q3 2026, $31.4 million for Q2

2026, and $37.8 million

for Q3 2025. (3) Equals net interest

income before

provision for credit

losses

plus non-interest

income. (4)

Non-GAAP

financial

measures.

See reconciliation

in this presentation.

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 GROWTH

PROFITABILITY

CAPITAL/CREDIT

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 $2,455,614 Tangible Book

Value/Share (2)(4) $12.42 $12.64 $11.55 Return

On Average

Assets (3) 1.27%

1.26% 1.27% Return

On Average Equity (3) 16.03% 15.90%

15.74% Net

Interest

Margin (3) 3.37% 3.49% 3.14%

Efficiency Ratio

54.62% 49.97% 52.28%

Tangible Common

Equity/Tangible Assets (4)

7.62% 7.72% 7.55%

Total Risk-Based Capital

(5) 14.07% 13.88%

14.20% NCO/Avg

Loans (3)

0.00% 0.05% 0.00%

NPA/Total

Assets

0.26% 0.07% 0.05%

Allowance for Credit Losses/Loans

1.16% 1.15%

1.17% (1) Loan amounts include deferred

fees/costs.

(2) AOCI effect

on tangible book value per share

was ($2.35) for Q3 2026,

($1.70) for Q2 2026

and ($2.09) for

Q3 2025.

(3) Annualized. (4) Non-GAAP

financial

measure.

See reconciliation

in this presentation.

(5) Reflects

the Company's regulatory capital

ratios.

DEPOSIT

PORTFOLIO

– Stable $2.4B Deposit Base; Cost Down 34 bps

Year-over-Year

Deposits

AVG In millions (except

ratios)

$2,457 $2,453 $2,427 $2,489 $2,511 2.53% 2.28% 2.20%

2.16% 2.19% $1,887 $1,857 $1,842 $1,857 $1,901 $570 $596 $585 $632 $610 Q3

2025 Q4 2025 Q1

2026 Q2 2026 Q3

2026 Non-Interest-bearing demand

deposits Interest-bearing deposits Deposit

Cost (1) Deposit

EOP In millions $2,456

$2,345 $2,494 $2,452 $2,446 $520 $528 $552 $532 $556 $1,291 $1,186 $1,264 $1,252 $1,227 $61 $47 $57 $50 $61 $584 $584 $621 $618 $602 Q3 2025 Q4

2025 Q1 2026 Q2

2026 Q3 2026 Non-interest-bearing

demand deposits Interest-bearing

checking deposits Saving and

money market

deposits Time

deposits Commentary

Average deposits totaled

$2.5 billion, reflecting an

increase

of $22.3 million or 3.6%

annualized

compared to prior quarter

and an increase

of $54.2 million or 2.2%

compared to the third

quarter

of 2025. Deposit cost was 2.19%, down 34 bps

year-over-year.

The 3-bps increase

from the prior quarter

reflects

deposit mix shifting to interest

bearing

deposits while

the cost of

interest-bearing

deposits

was unchanged at 2.90%. EOP deposits increased

$101.2 million,

or 4.3%, from December 31, 2025, and were stable

compared with the prior quarter.

(1) Reflects

effects

of non-interest-bearing

deposits.

LOAN

PORTFOLIO

– Average Loans Up 10.0%

Year-over-Year

Total Loans (AVG) (1) In millions

(except

ratios)

6.21% 6.16% 6.11%

6.20% 6.11% $2,099 $2,131 $2,178 $2,259 $2,309 Q3

2025 Q4 2025 Q1

2026 Q2 2026 Q3

2026 Loans Loan Yields

Total Gross

Loans (EOP)

(1) In millions $2,125 $2,183 $2,234 $2,317 $2,317 $208 $207 $208 $208 $194 $105 $128 $128 $138 $128 $269 $296 $291 $300 $298 $317 $308 $347 $357 $348 $1,226 $1,245 $1,260 $1,314 $1,349 Q3

2025 Q4 2025 Q1

2026 Q2 2026 Q3

2026 Commercial

real estate Residential

real estate Commercial

real estate Correspondent

banks Consumer

and other Commentary

Average loans increased

$50.1 million or 8.8%

annualized

compared to prior quarter

and $210.0 million or

10.0% compared to third quarter 2025. Loan yield was 6.11%, compared with 6.20%

in the prior quarter,

reflecting

lower net

loan fee income

during the quarter. New loan fundings of $157 million offset $155 million of payoffs

and scheduled amortization,

keeping period-end loans stable

at $2.3 billion compared with the

prior quarter.

Period-end loans

were up $191.1 million,

or 9.0%, year-over-year.

EOP Loan

Roll-Forward (1) In millions

Q2 2026 $ 2,317 New

loan funding/Line changes

156 Other (1) Loan amortization

(23) Payoffs

(132) Q3 2026 $ 2,317 (1)

Excludes deferred

fees/cost.

LOAN

PRODUCTION

– $616 Million

of Loan Production Year-to-Date

Net Loan Production Trend In millions,

except

for ratios

6.43% 5.93% 5.87%

5.90% 6.02% $132 $113 $196 $137 $188 $136 $272 $189 $156 $155 Q3

2025 Q4 2025 Q1

2026 Q2 2026 Q3

2026 Loan Production/Line

changes Loan Amortization/payoffs

New

loans weighted

average coupon Loan Composition

Trend EOP

(1) In millions,

except for ratios

$948 $2,317 28% 15% 63%

58% 9% 27%

Jun-20 Sep-26 Residential real

estate

Commercial real

estate

Real Estate

Loans Commercial and industrial,

correspondent

banks, and Consume

rand other Commentary New loan production totaled $156.0 million in Q3

2026, up 18%

from $132.0 million

in Q3 2025. New

loan production excluding correspondent banking loans was $111.4 million which carried

a weighted-average

coupon of 6.29%.

Loan payoffs and amortization totaled

$155.0 million during the quarter,

reflecting

elevated

prepayment activity

in 2026. Embedded

prepayment penalties

help protect

yield and earnings, generated

over $636 thousand of prepayment penalty income year-to-date.

The weighted-average

coupon on new

loans increased

12 bps to

6.02%, compared with 5.90%

for the prior

quarter. 10

NET

INTEREST

MARGIN

– NIM Up

23 bps Year-over-Year

to 3.37% Net Interest

Income/Margin (1) In thousands (except

ratios)

3.14% 3.27% 3.27%

3.49% 3.37%

$21,274 $22,207 $22,048 $24,387 $24,300 Q3 2025 Q4

2025 Q1 2026 Q2

2026 Q3 2026 Net

interest income

NIM NIM

QoQ

changes (1) 3.49% -0.07%

-0.03% -0.02% 3.37%

Q2 2026 Yield

on Loans Deposit

cost/Funding Mix

Other Interest-Eearnings

Assets Q3 2026 Commentary Net interest

income was $24.3 million,

compared with $24.4 million for prior quarter

and up $3.0 million or

14.2% compared to third quarter 2025. NIM was 3.37%

compared with 3.49% for the prior quarter.

Lower net loan fee

income reduced

NIM by 7

bps, bringing loan

yield to 6.11% from 6.20%.

A shift in funding mix toward interest-bearing

deposits

and borrowings reduced NIM by 3

bps, and lower income on other earning assets

reduced NIM by 2 bps. NIM

was 23 bps higher than for the third quarter

of 2025, up

from 3.14%.

Interest

Rates and Yields Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Loans

6.21% 6.16% 6.11%

6.20% 6.11% Investment

securities 3.03% 3.01% 3.05%

3.35% 3.34% Interest-earning

assets

5.56% 5.54% 5.49%

5.67% 5.57% Deposits (2) 2.53%

2.28% 2.20% 2.16%

2.19% Interest-bearing

liabilities

3.34% 3.14% 3.05%

3.05% 3.06% Annualized.

Reflects

effects

of non-interest-bearing

deposits.

ASSET

QUALITY

– Credit Quality Supports Sustainable

Growth Allowance for Credit Losses

In thousands (except

ratios)

1.17% 1.16% 1.16%

1.15% 1.16%

$24,964 $25,500 $26,102 $26,701 $27,018 Q3 2025 Q4

2025 Q1 2026 Q2

2026 Q3 2026 Allowance

for credit losses

Non-performing

Loans In thousands (except ratios)

0.06% 0.14% 0.16%

0.09% 0.33% $1,310 $3,138 $3,640 $2,148 $7,689 Q3

2025 Q4 2025 Q1

2026 Q2 2026 Q3

2026 Non-accrual loans

Non-performing

loans to total

loans Commentary

The allowance

for credit

losses

had a net increase

of $317 thousand from the prior quarter,

and $2.1 million compared to third quarter

2025. ACL

to total loans

was 1.16% as of September 30, 2026. Non‑performing loans increased

by $5.5 million from the prior quarter

to $7.7 million due to one loan. The non‑performing loans‑to‑total

loans ratio

was 0.33% as of September 30, 2026. Classified

Loans (1) to Total Loans 0.22% 0.29% 0.30% 0.20%

0.44% Q3

2025 Q4 2025 Q1

2026 Q2 2026 Q3

2026 (1) Loans classified

as substandard

at period end. No loans classified

doubtful at any of the dates

presented. 12

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 $1,411 $923 $1,104 $1,224 Gain (loss)

on sale of

securities available for

sale - -

$14 ($7,498) ($28) Gain on

sale

of loans held for sale

$165 - $106 $197 $128 Other income

$965 $959 $930 $914 $923 Total non-interest income

$2,672 $3,560 $4,150 ($4,178) $3,684 Average total assets $2,965,481 $2,900,725 $2,834,717 $2,799,863 $2,798,115 Non-interest income/Average

assets (1) 0.36% 0.49% 0.59% (0.59%)

0.52% Commentary

Non-interest

income was $2.7 million,

compared with $3.6 million in the

prior quarter,

primarily due

to lower swap fee income

and lower other service

fees,

including prepayment penalties,

partially offset

by a $165 thousand gain

on sale of

loans. Wire fees,

our largest

recurring

fee

category,

were $645 thousand compared with $618 thousand in the prior quarter.

Non-interest

income was 9.9% of total revenue

for third quarter

2026 and 12.8%

year-to date.

(1) Annualized.

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 Consulting and legal fees 663 583 561 900 585 Network

and information

technology services 802 524 560 599 656 Other operating expense 2,227 2,556 2,220 2,338 2,139 Total non-interest expense $14,731 $13,966 $13,711 $14,275 $13,048 Operating efficiency ratio (1) 54.62% 49.97% 52.36%

55.92% 52.22% Non-interest

expense/Average

assets

(2) 1.97% 1.93%

1.96% 2.02% 1.85%

Full-time equivalent employees

222 216 211 204 206 Commentary

Non-interest expense

was $14.7 million,

an increase

of $765 thousand from the prior quarter,

primarily due to a

$758 thousand increase

in salaries

and employee benefits,

reflecting

the addition of

staff,

merit increases

and higher performance-based

incentive

accruals.

Additionally, network and information technology expense

increased

primarily by $134 thousand due to enhancements

to the data

server

infrastructure.

Non-interest

expense

to average

assets

was 1.97%, consistent

with the last

three

quarters.

(1) Non-GAAP

financial

measures.

See reconciliation

in this presentation.

(2) Annualized. 14

CAPITAL

- Strong Capital Levels

Support Continued

Organic Growth Capital Ratios

(1) Leverage

Ratio TCE/TA (2) Tier 1 Risk-Based Capital

Total Risk-Based Capital

AOCI In Millions Q3

2026 8.88% 7.62% 11.23%

14.07% ($43.3) Q2

2026 8.81% 7.72% 11.01%

13.88% ($31.4) Q3

2025 8.47% 7.55% 11.17%

14.20% ($37.8) Well-Capitalized

5.00% NA

8.00% 10.00% Commentary

On October 19, 2026,

the Company’s Board

of Directors

declared

a quarterly

cash

dividend of $0.125

per share on the Company’s Class

A common

stock. The dividend will be payable

on December 4, 2026, to shareholders

of record as

of the close

of business on November 16, 2026. AOCI

was ($43.3) million at September

30, 2026, compared with ($31.4) million at June 30,

2026. The $11.9 million

change primarily

reflects

lower fair

values in the

AFS portfolio

due to the interest

rate

environment. (1) Reflects

the Company's regulatory capital

ratios. (2)

Non-GAAP

financial

measures.

See

reconciliation

in this presentation.

TAKEAWAYS

- Attractive

Franchise

Positioned for Continued Growth Commercially oriented

loan portfolio Leading franchise

located

in one of the most attractive

banking markets in U.S. Scarcity

value in the Miami MSA Robust

capital

position with regulatory ratios

well in excess

of “well

capitalized”

threshold Commercially

oriented

loan portfolio Demonstrated

profitability

profile

since

2015 recap further

improved by current management team Strong asset

quality – minimal charge-offs

experienced

since

2015 recap Attractive

deposit base

driven by steady growth in specialized

verticals

Balanced liquidity

profile

with a 94.9% loan/deposit ratio

(EOP) 16

APPENDIX

– NON-GAAP

RECONCILIATION

In thousands (except

ratios)

As of or For the Three Months Ended Line item 9/30/2026 6/30/2026 3/31/2026 12/31/2025 9/30/2025 Pre-tax pre-provision (“PTPP”)

income: (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 Plus:

Provision for credit losses 53 1,267 801 480 105 PTPP income $12,241 $13,981 $12,487 $3,754 $11,910 PTPP

return on average

assets: (1) PTPP

income $12,241 $13,981 $12,487 $3,754 $11,910 Average assets $2,965,481 $2,900,725 $2,834,717 $2,799,863 $2,798,115 PTPP

return on average

assets (2) 1.64% 1.93%

1.79% 0.53% 1.69%

Operating net

income: (1) Net income $9,528 $9,078 $9,351 $1,363 $8,939 Less: Net

gains (loss) on sale

of securities

– – 14 (7,498) (28) Less: Tax effect

on sale of securities

– – (4) 1,900 7 Plus: Tax (benefit)

liability

expense from prior periods – – (619) (3)

1,096 (4) – Operating net income $9,528 $9,078 $8,722 $8,057 $8,960 Operating return on

average assets:

(1) Operating net income

$9,528 $9,078 $8,722 $8,057 $8,960 Average assets $2,965,481 $2,900,725 $2,834,717 $2,799,863 $2,798,115 Operating

net income

return on average

assets

(2) 1.27% 1.26%

1.25% 1.14% 1.27%

Operating return on average

equity: (1) Operating

net income $9,528 $9,078 $8,722 $8,057 $8,960 Average equity $235,885 $228,933 $222,226 $212,393 $225,316 Operating net

income return

on average equity

(2) 16.03% 15.90%

15.92% 15.05% 15.78%

Operating revenue:

(1) Net interest

income $24,300 $24,387 $22,048 $22,207 $21,274 Non-interest income

2,672 3,560 4,150 (4,178) 3,684 Less: Net

gains (losses)

on sale of

securities

– – 14 (7,498) (28) Operating revenue

$26,972 $27,947 $26,184 $25,527 $24,986 Operating efficiency

ratio: (1) Total non-interest

expense

$14,731 $13,966 $13,711 $14,275 $13,048 Operating revenue

$26,972

$27,947 $26,184 $25,527 $24,986 Operating efficiency

ratio

54.62% 49.97% 52.36%

55.92% 52.22%

Footnotes: The

Company

believes these

non-GAAP

financial

measurements

are

key indicators

of the ongoing earnings power of the Company. Annualized. The Company

recognized

a $619 thousand income tax benefit

in the first

quarter

of 2026 due

to an adjustment to the deferred

tax asset

calculation

from 2025. State tax liability

expenses

for 2024 and for the first three

quarters

of 2025 were recognized

during the fourth quarter of 2025. The state

tax expense

is related

to taxes due on interest

income on loans whose collateral

is located

outside of the

State of Florida. 17

APPENDIX

– NON-GAAP

RECONCILIATION

In thousands (except

ratios

and share

data) As of or For the Three Months Ended Line item 9/30/2026 6/30/2026 3/31/2026 12/31/2025 9/30/2025 Tangible book value per common

share (at period-end): (1)(4) Total

stockholders’

equity $229,362 $233,238 $223,246 $217,183 $209,095 Less: Intangible assets – – – – – Tangible stockholders’ equity (3) $229,362 $233,238 $223,246 $217,183 $209,095 Total shares issued and outstanding (at

period-end):

Total common shares issued

and outstanding 18,465,077 18,459,470 18,257,400 18,137,885 18,107,385 Tangible book value per

common

share (2) $12.42 $12.64 $12.23 $11.97 $11.55 Operating diluted

net income

per common

share: (1) Operating net income

$9,528 $9,078 $8,722 $8,057 $8,960 Total weighted

average diluted shares

of common stock 18,662,385 18,509,572 18,454,006 18,348,725 19,755,820 Operating

diluted net income

per common

share $0.51 $0.49 $0.47 $0.44 $0.45 Tangible

Common

Equity/Tangible Assets

(1)(4) Tangible stockholders’

equity (3) $229,362 $233,238 $223,246 $217,183 $209,095 Tangible total assets (3) $3,011,481 $3,019,701 $2,845,735 $2,791,540 $2,767,945 Tangible

Common

Equity/Tangible Assets

7.62% 7.72% 7.84%

7.78% 7.55% Footnotes:

The Company

believes these non-GAAP

financial measurements

are

key indicators

of the ongoing earnings power of the Company. Excludes the dilutive effect,

if any, of shares

of common stock issuable upon exercise

of outstanding stock options. 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. The

decrease

in total stockholders’

equity in September 2025 was primarily driven by the repurchase

of 2.0 million shares

of Class

A common

stock,

as previously disclosed.

APPENDIX

– BUSINESS

VERTICALS

Private Client

Group (1) $317MM

Deposits Deposit aggregating focus/strategy.

Tailored

products & services

for professionals,

professional

firms,

business

owners, and affluent

individuals and their

families.

PCG

also

provides concierge-level

banking service

for the legal

and healthcare

sectors

delivering

financial

solutions designed specifically

for these

professionals.

Yacht Lending $189MM

Loans Yacht financing

for larger

vessels,

transaction

range is

$750k -$7.5MM.

Brokered oriented business,

3 vendor approved brokers. Member of the National Marine

Lenders Association.

Launched this new vertical

in 2022. Association Banking $178MM

Deposits / $137MM

Loans Deposit aggregating focus/strategy.

Banking for Homeowner Associations and Property Managers.

Offer

deposit collection

services

and esoteric

lending solutions ranging from insurance

premium and large capital

improvements

financing.

Significant

lending capacity

to target

large

credits.

SBA

/ Small Business

Lending $66MM

Loans Relationship-oriented

business

focused

on delivering fast

loan commitments to small

and medium-sized

enterprises.

Predominately small

business

line of credits

and CD

secured

loans. Affordable SBA loan provider. Approved by the

SBA

to participate

in the Preferred

Lenders Program. Specialty

banking products, services

and solutions designed

for small

businesses,

homeowner associations,

law firms,

medical practices

and other professional

services

firms,

yacht lending and global banking services

Correspondent Banking $248MM

Deposits / $129MM

Loans Comprehensive

range

of both domestic and international

services

with the latest

in technology to ensure quick processing.

Focus on Caribbean and Latin American countries.

Correspondent banking services

include letters

of credit,

foreign collections,

wire transfers,

ForEx and

trade

finance. Balances

September 30, 2026. (1) Effective

4th quarter

2025, the Private Client

Group vertical

now includes balances

for the entire

business

unit, encompassing

not only some Jurist Advantage and Health Industry

sectors,

but also other

professional

and affluent client

segments. Accordingly,

balances

presented

for PCG reflect

the full scope

of the business

unit, rather

than select

sectors

as previously reported.

When evaluating period-over-period

trends,

please

consider this

expanded scope. 19

APPENDIX

– LOAN

PORTFOLIO

MIX Loan

Portfolio Mix (1) Residential

real

estate

15% CRE

– Owner occupied 8% CRE

– Non-owner occupied 50% Commercial and industrial

13% Correspondent banks 6% Consumer

and other 8% Commentary Total loan balance at

quarter

end was $2,317 million (4). Commercial

Real Estate

(owner occupied and non-owner occupied) was

58.2% or

$1,349 million of the total loan

portfolio. CRE

mix is diversified

and granular. Retail

non-owner occupied makes up 25.2% of

total CRE or $343.9 million.

CRE

Loan Mix Other 3%

Retail

25% Multifamily 26% CRE

– Owner Occupied 14% Office 8% Warehouse 12% Hotels

8% Land/Construction 4%

$1,349MM

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

$364 56% 1.53 $3.1 Multifamily

$348 55% 1.35 $2.0 Office $169 52% 1.99 $1.4 Warehouse

$236 56% 2.01 $1.7 Hotel $105 57%

2.05 $3.6 Other $78 54%

1.76 $1.6 Land/Construction $49 52% NA

$2.0 (1) Balance in millions.

Excludes deferred

fees/cost.

(2) LTV - Loan to value ratio. (3)

DSCR - Debt service

coverage

ratio. (4)

Includes

loan types: office,

warehouse,

retail

and other 20

APPENDIX

– SECURITIES

PORTFOLIO

EOP for

Balance

Sheet amounts, in millions Portfolio

Composition CMO

24% MBS

13% CMBS

44% SBA

6% Agency 4%

Municipalities

1% Bank Subordinated Debt 9%

Commentary Securities

portfolio totaled

$475.7 million;

72.0% of the portfolio is classified

AFS, while 28.0%

is classified

HTM.

Modified duration increased

to 5.5 years,

while average

life

extended to 6.5 years,

reflecting

lower mortgage prepayment

expectations

following the September 2026 rate increase.

We expect to

receive

$13.5 million from the securities

portfolio for the

remainder of

2026, at current

rates;

these

cashflows

will support loan growth and/or deposit volatility. 80% of the portfolio is invested

in agency mortgage-backed

securities,

boosting liquidity. Securities

Portfolio Key Metrics

Metrics

as of 09/30/2026 Securities

portfolio (in millions)

$ 475.7 AFS as %

of portfolio 72% HTM

as % of portfolio 28% Qtr. weighted avg. port. yield

3.34% Average life

6.5 Modified duration 5.5 Estimated

Short Term Cashflows (in millions)

-100 Base +100 Remaining 2026 $17.8 $13.5 $13.1 2027 $74.9 $56.4 $52.2 2028 $56.0 $47.7 $43.9 2029 $43.9 $41.2 $38.1 Total

Cashflow $192.6 $158.8 $147.3 Total Cashflow

/ Total Portfolio 35%

29% 27% 21

APPENDIX

– INTEREST

RATE

SENSITIVITY

Loan Portfolio Repricing Profile

by Rate Type (1) Fixed

Rate $823MM 36%

Hybrid ARM

$77M 3%

Variable Rate

$1,417MM

61 $2,317MM

Variable & Hybrid Rate Loans $523MM

35% $177MM

8% $854MM

57% Prime

CMT

SOFR Loan

Repricing Schedule Variable

& Hybrid Rate Loans (1) $431MM

29% $802MM

54% $158MM

10% $103MM

7% $1,493MM

Yrs 1-2 yrs

2-3 yrs >3

yrs. Static

NII Simulation Year

1 &

2 Net Interest

Income change

from base

($ in thousands and % change) 2.1% -100 +100

-3.2% -100 -1.7% +100

-0.3% Excludes deferred

fees/cost.

22 $2,500

CONTACT

INFORMATION

LOU

DE LA AGUILERA

Chairman, President

& CEO

(305) 715-5186 laguilera@uscentury.com

ROB

ANDERSON

EVP, Chief Financial

Officer

(305) 715-5393 rob.anderson@uscentury.com INVESTOR

RELATIONS

InvestorRelations@uscentury.com