Core Viewpoint - USCB Financial Holdings, Inc. is set to report its financial results for the quarter ended June 30, 2025, on July 24, 2025, after market close [1] Group 1: Financial Reporting - The financial results will be discussed in a conference call on July 25, 2025, at 11:00 am Eastern Time [2] - The call will feature key executives including the Chairman, President, and CEO, Luis de la Aguilera, along with the CFO, Robert Anderson, and the Chief Credit Officer, William Turner [1] Group 2: Company Overview - USCB Financial Holdings, Inc. is the bank holding company for U.S. Century Bank, established in 2002 [4] - U.S. Century Bank is one of the largest community banks in Miami and Florida, rated 5-Stars by BauerFinancial [4] - The bank offers a wide range of financial products and services and supports various community organizations [4]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____to_____ Commission File Number: 001-41196 USCB Financial Holdings, Inc. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation o ...

Exhibit 99.2 EARNINGS PRESENTATION FIRST QUARTER 2025 NASDAQ: USCB USCB FINANCIAL HOLDINGS This presentation may cortain statements that are not historical in nature and are intended to be; and are hereby identified as , forward-boking statements for provided by Securities Exchange Add di 1934, as amerbed. Forward-Iosking statements are Mose that are not historical facts. The world 5 'inay, ""will, " "shusid, " "shusld, " "shusld, "alm, " plan, " estimate," "continue," "seek," and "intend," then espal in of ...

Financial Data and Key Metrics Changes - The company reported a fully diluted EPS of $0.38, a 65% increase compared to the prior year [4][12] - Net income for the quarter was $0.38 per diluted share, up 65% over the prior year [12] - Return on average assets was 1.19% and return on average equity was 14.15% [13] - Net interest margin (NIM) was 3.10%, down slightly from the prior quarter [13][22] - Efficiency ratio improved to 52.79% [13] - Tangible book value per share increased by $0.42 to $11.23 [13] Business Line Data and Key Metrics Changes - Average loans increased by $205.3 million or 11.5% compared to Q1 2024 [7][18] - Average deposits grew by $166.6 million or 8.1% compared to the same quarter last year [7] - Loan production was robust, with end-of-period net loan growth of $63.4 million or 13% annualized compared to the prior quarter [19] - Non-interest income was 16.3% of total revenue, consistent with prior quarters and higher than Q1 2024 [34] Market Data and Key Metrics Changes - The Florida economy is forecasted to grow steadily in 2025, with a growing labor force and low unemployment [7][40] - The company anticipates high-single digit to low double-digit loan and deposit growth in the upcoming quarters [7][41] Company Strategy and Development Direction - The company emphasizes relationship-driven organic growth and has onboarded additional senior bankers to support business lending and deposit production [6][8] - The strategy includes cautious optimism regarding economic uncertainties and a focus on maintaining credit quality [6][41] - The company plans to continue disciplined expense control to improve operating leverage [41] Management's Comments on Operating Environment and Future Outlook - Management noted heightened volatility in the market due to recent tariff announcements but expressed cautious optimism about the diversified business lines [5][6] - The company is prepared for both upward and downward shifts in interest rates, reflecting a neutral balance sheet position [25] - The management expects to see improvements in non-performing assets and classified loans in the upcoming quarters [82] Other Important Information - The Board of Directors declared a cash dividend of $0.10 per share, to be paid on June 5, 2025 [9][10] - The company has a strong focus on maintaining a robust balance sheet while returning capital to investors [10] Q&A Session Summary Question: What drove the deposit growth in the quarter? - The deposit growth was seen in key areas like correspondent banking and business banking, with a balanced contribution from various segments [47] Question: What is the outlook for NIM? - The guidance for NIM is flat to slightly up, with expectations of rate cuts benefiting deposit costs [49][54] Question: What is the impact of specialty verticals on deposits? - New hires in production personnel for various verticals are expected to support continued deposit growth [60] Question: How should we think about the expense base moving forward? - The expense base is expected to gradually increase due to new hires and performance-based bonuses [65] Question: What is the focus regarding capital? - The focus remains on organic growth rather than buybacks, given solid growth prospects [66] Question: What is the outlook for credit quality? - Management anticipates improvements in non-performing and classified loans in the second quarter [82]

USCB Financial Holdings (USCB) Q1 2025 Earnings Call April 25, 2025 11:00 AM ET Company Participants Luis de la Aguilera - President, CEO & ChairmanRob Anderson - CFOWilliam Turner - Chief Credit OfficerWoody Lay - Vice PresidentMichael Rose - MD - BankingFeddie Strickland - Director Operator Day, and welcome to the USCB Financial Holdings First Quarter twenty twenty five Earnings Conference Call. All participants will be in the listen only mode. After today's presentation, there will be an opportunity to a ...

USCB Financial Holdings, Inc. (USCB) came out with quarterly earnings of $0.38 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.23 per share a year ago. These figures are adjusted for non-recurring items. A quarter ago, it was expected that this company would post earnings of $0.37 per share when it actually produced earnings of $0.34, delivering a surprise of -8.11%. Over the last four quarters, the company has surpassed consensus EPS estimates two times. USCB Financial ...

Core Viewpoint - USCB Financial Holdings, Inc. reported a record net income of $7.7 million or $0.38 per fully diluted share for Q1 2025, reflecting strong performance across strategic priorities and significant growth in loans and deposits compared to the same period in 2024 [1][2]. Profitability - Net income for Q1 2025 was $7.7 million, up from $4.6 million in Q1 2024, representing a 67.4% increase [1][20]. - The annualized return on average assets was 1.19% for Q1 2025, compared to 0.76% for Q1 2024 [7][25]. - The annualized return on average stockholders' equity was 14.15% for Q1 2025, up from 9.61% in Q1 2024 [7][25]. - The efficiency ratio improved to 52.79% in Q1 2025 from 63.41% in Q1 2024 [7][25]. Balance Sheet - Total assets increased to $2.7 billion as of March 31, 2025, a rise of $188.2 million or 7.6% from $2.5 billion a year earlier [7][22]. - Total loans held for investment reached $2.0 billion, up $215.0 million or 11.8% from $1.8 billion in Q1 2024 [7][22]. - Total deposits grew to $2.3 billion, an increase of $206.8 million or 9.8% from $2.1 billion in Q1 2024 [7][22]. - Total stockholders' equity was $225.1 million, reflecting a $30.1 million or 15.4% increase from $195.0 million in Q1 2024 [7][22]. Asset Quality - The allowance for credit losses increased by $3.3 million to $24.7 million, representing 1.22% of total loans as of March 31, 2025, compared to 1.18% a year earlier [7][22]. - The ratio of non-performing loans to total loans was 0.20% at March 31, 2025, up from 0.03% at March 31, 2024, with non-performing loans totaling $4.2 million compared to $456 thousand a year earlier [7][22]. Non-interest Income and Non-interest Expense - Non-interest income for Q1 2025 was $3.7 million, an increase of $1.3 million or 50.8% from $2.5 million in Q1 2024 [6][20]. - Non-interest expense rose to $12.1 million, an increase of $0.9 million or 7.9% compared to $11.2 million in Q1 2024 [8][20].

Financial Performance - USCB Financial Holdings reported a record fully diluted EPS of $0.38 for Q1 2025, a 65% increase from $0.23 in Q1 2024[1][2]. - Net income for Q1 2025 was $7.7 million, compared to $4.6 million in the same period last year, reflecting a significant year-over-year growth[1][2]. - Net income for Q1 2025 reached $7,658 million, compared to $4,612 million in Q1 2024, reflecting a significant increase of 66.4%[21]. - The company reported a pre-tax pre-provision (PTPP) income of $10,779,000 for Q1 2025, up from $6,448,000 in Q1 2024, a significant increase of 67.5%[30]. - The operating return on average assets for Q1 2025 was 1.19%, up from 0.76% in Q1 2024, indicating improved asset utilization[30]. Asset Growth - Total assets increased by $188.2 million or 7.6% to $2.7 billion as of March 31, 2025, compared to $2.5 billion a year earlier[6]. - Total assets as of March 31, 2025, were $2,677,382 million, up from $2,489,142 million a year earlier, indicating a growth of 7.6%[21]. - Total assets as of March 31, 2025, were $2,606,593,000, up from $2,436,103,000 as of March 31, 2024, indicating a growth of 7%[30]. - Average assets for Q1 2025 were $2,606,593,000, compared to $2,436,103,000 in Q1 2024, reflecting a year-over-year increase of 7%[30]. Loan and Deposit Growth - Total loans held for investment rose by $215.0 million or 11.8% to $2.0 billion in Q1 2025, compared to $1.8 billion in Q1 2024[6]. - Total deposits grew by $206.8 million or 9.8% to $2.3 billion as of March 31, 2025, compared to $2.1 billion a year earlier[6]. - Total deposits increased to $2,309,569 million as of March 31, 2025, compared to $2,102,794 million a year ago, marking a growth of 9.8%[21]. Income and Efficiency - Net interest income for Q1 2025 was $19,115 million, an increase from $15,158 million in Q1 2024, representing a year-over-year growth of 26.5%[21]. - The net interest margin improved to 3.10% in Q1 2025 from 2.62% in Q1 2024, reflecting enhanced profitability on interest-earning assets[27]. - The efficiency ratio improved to 52.79% in Q1 2025 from 63.41% in Q1 2024, reflecting better cost management[6]. - The operating efficiency ratio decreased to 52.79% in Q1 2025 from 63.41% in Q1 2024, indicating improved cost management[30]. Dividends and Shareholder Returns - The Company declared a quarterly cash dividend of $0.10 per share, up from $0.05 in the previous year, to be paid on June 5, 2025[13]. - Cash dividends declared increased to $0.10 per share in Q1 2025, compared to $0.05 per share in Q1 2024[21]. Credit Quality - The provision for credit losses was $681 thousand in Q1 2025, an increase of $271 thousand from $410 thousand in Q1 2024[13]. - The allowance for credit losses to total loans ratio remained stable at 1.22% as of March 31, 2025[24]. - Non-performing loans increased to $4,156 million as of March 31, 2025, from $456 million in Q1 2024, indicating a rise in asset quality concerns[24]. Capital Position - The leverage ratio improved to 9.61% as of March 31, 2025, compared to 8.91% a year earlier, reflecting a stronger capital position[21]. - The tangible book value per common share increased to $11.23 as of March 31, 2025, compared to $9.92 a year earlier, marking a growth of 13.2%[33].

Core Viewpoint - USCB Financial Holdings, Inc. is set to report its financial results for the quarter ended March 31, 2025, on April 24, 2025, after market close [1] Group 1: Financial Reporting - The financial results will be discussed in a conference call on April 25, 2025, at 11:00 am Eastern Time, featuring key executives including the Chairman, President, and CEO, Luis de la Aguilera [1][2] - A live audio webcast of the conference call will be available on the investor relations page of the Company's website [2] - A replay of the webcast will be archived shortly after the conference call concludes [3] Group 2: Company Overview - USCB Financial Holdings, Inc. is the bank holding company for U.S. Century Bank, established in 2002, and is one of the largest community banks in Miami and Florida [4] - U.S. Century Bank holds a 5-Star rating from BauerFinancial, indicating strong financial health [4] - The bank offers a wide range of financial products and services and actively supports community organizations [4]

Group 1 - USCB Financial Holdings, Inc. (USCB) shares increased by 5.5% to close at $19.33, following a solid trading volume, contrasting with a 4.5% loss over the past four weeks [1] - The stock rally is attributed to the Federal Reserve's decision to keep interest rates steady, which is expected to improve the company's net interest income and margin [2] - USCB is projected to report quarterly earnings of $0.38 per share, reflecting a year-over-year increase of 65.2%, with revenues anticipated at $23.04 million, up 30.8% from the previous year [2] Group 2 - The consensus EPS estimate for USCB has remained unchanged over the last 30 days, indicating that stock price movements may not sustain without trends in earnings estimate revisions [4] - USCB Financial holds a Zacks Rank of 3 (Hold), while another company in the same industry, Origin Bancorp (OBK), has a Zacks Rank of 1 (Strong Buy) [4] - Origin Bancorp's consensus EPS estimate is $0.68, which is a decrease of 6.9% compared to the previous year [5]