USCB Financial Holdings (USCB) investor relations material

Executive summary

• Total assets reached $2.8 billion, up 8.1% year-over-year, with loans growing 11% and deposits up 7.9% year-over-year.

• Net income for Q4 2025 was $1.4 million ($0.07 per diluted share), impacted by a $5.6 million after-tax securities loss ($0.31/share) and a $0.06/share tax expense for prior periods.

• Operating diluted EPS (non-GAAP) was $0.44, consistent with the prior quarter, excluding restructuring and tax items.

• Tangible book value per share increased 10.8% year-over-year to $11.97.

• Board declared a 25% higher quarterly dividend of $0.125 per share, payable March 2026.

Financial highlights

• Net interest income before provision for credit losses increased 14.7% year-over-year to $22.2 million.

• Net interest margin improved to 3.27% from 3.16% a year ago.

• Operating return on average assets was 1.14%, and operating return on average equity was 15.05%.

• Efficiency ratio was 55.92% (operating, non-GAAP), unchanged year-over-year.

• Total revenue was $18.0 million, down from $22.9 million in Q4 2024, due to a $7.5 million loss on sale of securities.

Outlook and guidance

• Expectation for further NIM improvement in 2026, supported by deposit strategy and securities restructuring.

• Loan growth guidance is high single digits to low double digits for 2026.

• Tax rate guidance set at 26.4% for 2026 due to out-of-state income recognition.

• Liquidity sources totaled $670 million as of December 31, 2025.

• Securities portfolio positioned with longer duration to benefit from expected lower interest rates.