Exhibit 99.2

EARNINGS PRESENTATION FOURTH QUARTER 2023 NASDAQ:USCB USCB Financial Holdings US CENTURY BANK

FORWARD-LOOKING STATEMENTS This presentation may containstatements that are not historical in nature and are intended to be,and are hereby identified as, forward-looking statements for purposesof the safe harbor provided by Section 21E of the SecuritiesExchange Act of 1934, as amended. Forward-looking statements arethose that are not historical facts. The words “may,” “will,” “anticipate,”“could,” “ should,” “would,” “believe,” “contemplate,” “expect,”“aim,” “plan,” “estimate,” “continue,” and “intend,” as well as othersimilar words and expressions of the future, are intended to identifyforward-looking statements. These forward-looking statements include,but are not limited to, statements related to our projected growth, anticipatedfuture financial performance, and management’s long-term performancegoals, as well as statements relating to the anticipated effectson results of operations and financial condition from expected developmentsor events, or business and growth strategies, including anticipated internalgrowth and balance sheet restructuring.These forward-looking statements involve significant risks and uncertaintiesthat could cause our actual results to differ materially fromthose anticipated in such statements. Potential risks and uncertaintiesinclude, but are not limited to: the strength of the UnitedStates economy in general and the strength of the local economiesin which we conduct operations; our ability to successfully manageinterest 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 credit lossreserve and deferred tax asset valuation allowance; the efficiencyand effectiveness of our internal control procedures and processes; our abilityto comply with the extensive laws and regulations to which we aresubject, including the laws for each

jurisdiction where we operate; adverse changes or conditions in thecapital and financial markets, including actual or potential stressesin the banking industry; deposit attrition and the level of our uninsureddeposits; legislative or regulatory changes and changes in accountingprinciples, policies, practices or guidelines, including the on-going effectsof the implementation of the Current Expected Credit Losses (“CECL”)standard; the lack of a significantly diversified loan portfolioand the concentration in the South Florida market, including therisks 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 concentrationof ownership of our common stock; fluctuations in the priceof our common stock; our ability to fund or access the capitalmarkets at attractive rates and terms and manage our growth, bothorganic growth as well as growth through other means, such asfuture acquisitions; inflation, interest rate, unemployment rate,market, and monetary fluctuations; impacts of international hostilitiesand geopolitical events; increased competition and its effecton the pricing of our products and services as well as our net interest ratespread and net interest margin; the loss of key employees; the effectivenessof our risk management strategies, including operational risks, including,but not limited to, client, employee, or third-party fraud and cybersecurity-breaches; and other risks described in this presentation and otherfilings we make with the Securities and Exchange Commission (“SEC”).All forward-looking statements are necessarily only estimates of futureresults, and there can be no assurance that actual results willnot differ materially from expectations. Therefore, you arecautioned not to place undue reliance on any forward-looking statements.Further, 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 afterthe date on which the statements are made or to reflect the occurrenceof unanticipated events, unless required to do so under the federalsecurities laws. You should also review the risk factors described in the reportsUSCB Financial Holdings, Inc. filed or will file with theSEC.Non-GAAP Financial Measures This presentation includes financialinformation determined by methods other than in accordancewith generally accepted accounting principles (“GAAP”). This financialinformation includes certain operating 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 performancetrends. 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 to or substitute for, measures determined in accordancewith GAAP, and are not necessarily comparable to non-GAAP measures thatmay be presented by other companies. Reconciliations of these non-GAAP measures to the most directly comparable GAAP measurescan be found in the ‘Non-GAAP Reconciliation Tables’ included in the presentation.All numbers included in this presentation are unaudited unlessotherwise noted.

Q4 2023 HIGHLIGHTS GROWTH Average deposits increased by $109.7million or 6.1% compared to the fourth quarter 2022.Average loans increased $241.8 million or 16.6% comparedto the fourth quarter 2022.Liquidity sources on December 31, 2023, totaled $620million in on-balance sheet and off-balance sheet sources.Tangible Book Value per Share (1) on December 31, 2023, of $9.81 includesAOCI impact of ($2.26) increased from $9.36 in prior quarterend which included an AOCI impact of ($2.62). PROFITABILITY Netincome was $2.7 million or $0.14 per diluted share and includes a pre-taxsecurities loss sale of $883 thousand.Net interest income before provision and NIM increasedin the quarter compared to third quarter 2023.ROAA was 0.48% compared to 0.86% for the fourth quarter 2022.Consulting and legal fees increased $129 thousand due to a one-time, nonrecurring legal expense associated with the legacy shareholderlawsuit which was dismissed with prejudice. CAPITAL/ CREDIT Duringthe quarter, the Company repurchased 92,317 shares of commonstock at a weighted average price per share of $10.45. As of December31, 2023, 80,080 shares remained authorized for repurchaseunder the Company’s publicly announced stock repurchase programAt December 31, 2023, one C&I loan classified as nonaccrualfor a total of $468 thousand.ACL coverage ratio was 1.18% at December 31, 2023, comparedto 1.16% at September 30, 2023. Effective January 1, 2023, the Companyadopted the CECL methodology for estimating credit losses.

HISTORICAL FINANCIALS EOP for Balance Sheet amounts Loans Inmillions2016 $735 2017 2018 2019 2020 2021 2022 2023 $1,781Deposits In millions 2016 $782 2017 2018 2019 2020 20212023 $1,937 Total stockholders' equity In millions 2016$86 2017 20182019 2020 2021 2022 2023 $192 Allowance for credit losses tonon-performing loans 2016 1.17% 2017 2018 2019 2020 2021 20222023 1.18%Net charge-offs (recoveries) of loan losses 2016 ($1,019) 20172018 2019 2020 2021 2022 2023 ($28) Non-performing assetsto total assets 2016 1.58% 2017 2018 2019 2020 2021 2022 2023 0.02%Net Interest Income In millions 2016 $30 2017 2018 2019 2020 20212022 2023 $59 Efficiency ratio 2016 94.15% 2017 2018 20192020 2021 2022 2023 68.27% PTPP ROAA (2) 2016 0.24% 20172018 2019 2020 2021 2022 2023 (1) Loan amounts include deferredfees/costs.(2) Non-GAAP financial measure.

FINANCIAL RESULTS In thousands (except per share data)Q4 2023 Q3 2023 Q4 2022 Total Securities $404,303 $415,920 $418,839Total Loans (1) $1,780,827 $1,676,520 $1,507,338 Total Assets $2,339,093$2,244,602 $2,085,834 Total Deposits $1,937,139 $1,920,922$1,829,281 Total Equity (2) $191,968 $182,844 $182,428 NetInterest Income $14,376 $14,022 $16,866 Non-Interest Income$1,326 $2,161 ($123) Total Revenue $15,702 $16,183 $16,743Provision for Credit Losses $1,475 $653 $880 Non-Interest Expense$10,719 $10,461 $10,014 Net Income $2,721 $3,819 $4,434Diluted Earning Per Share (EPS) $0.14 $0.19 $0.22 OperatingDiluted EPS (3) $0.17 $0.23 $0.29 Weighted Average Diluted Shares19,573,350 19,611,897 20,172,438 Balance Sheet (EOP) IncomeStatement (1) Loan amounts include deferred fees/costs.(2) Total Equityincludes accumulated comprehensive loss of $44.3 million for Q42023, $51.2 million for Q3 2023, and $44.8 million for Q4 2022.(3)Non-GAAP financial measure.

KEY PERFORMANCE INDICATORS Q4 2023 Q3 2023 Q4 2022 In thousands(except for TBV/share) Total Assets (EOP) $2,339,093 $2,244,602 $2,085,834Total Loans (EOP) $1,780,827 $1,676,520 $1,507,338 Total Deposits(EOP) $1,937,139 $1,920,922 $1,829,281 Tangible BookValue/Share (1)(4) $9.81 $9.36 $9.12 Return On AverageAssets (ROAA) (3) 0.48% 0.67% 0.86% Return On Average Equity (ROAE) (3)5.88% 8.19% 9.91% Net Interest Margin (3) 2.65% 2.60% 3.45%Efficiency Ratio 68.27% 64.64% 59.81% Non-Interest Expense/AvgAssets (3) 1.87% 1.84% 1.94% Tangible Common Equity/TangibleAssets (1) 8.21% 8.15% 8.75% Total Risk-Based Capital (2) 12.78%13.10% 13.65% NCO/Avg Loans (3) 0.00% 0.00% (0.00%) NPA/Assets0.02% 0.02% 0.00% Allowance Credit Losses/Loans 1.18% 1.16%1.16% GROWTH PROFITABILITY CAPITAL/

DEPOSIT PORTFOLIO in this slide the Deposits AVG totals must be updatedmanually Same goes for the red bps math Deposits AVG In millions $1,804$217 $62$654Q42022 $1,844 $225 $897 $58 $664 Q12023 $1,872$277 $940 $53 $602 Q22023 $1,941 $290 $52 $588 Q32023 $1,914 $282 $1,005 $50 $577 Q42023 Non-interest-bearingdeposits Interest-bearing checking deposits Moneymarketadnd savings Time deposits Commentary Average deposits decreased$27.8 million or 5.69% annualized compared to the prior quarter andincreased $109.7 million or 6.1% compared to the fourth quarter2022.Deposit composition mix shifted towards interest-bearingdeposits. Average DDA balances comprised 30.1% of total deposits as of December31, 2023. Deposit beta of 44% since Q4 2021.Deposit cost increasingbut at a slower pace. Deposit Cost + 525 bps Q4’23 vs Q4’210.21%0.25%4.50% 5.00% 5.25% 5.50% 5.50% Q42021 Q4 2022 Q12023 Q2 2023 Q3 2023 Q4 2023 Deposit Cost Fed Funds Rate (upperbound)

DEPOSIT DIST EOP for Balance Sheet amounts RIBUTION DepositsComposition Personal Business Brokered deposits Public Funds 3% 14%33%50%Commentary Our deposit base reflects our business model: a commercialbank. The total amount of uninsured deposits was 55% at quarterend.As of December 31, 2023, the deposit balance of ICS/CDARSwas $107.3 million, a decrease of $9.2 million from end of thirdquarter 2023. Deposits by Customer Segment In thousands for balancesheet amounts Uninsured Deposits to Total Deposits in millions59%$750$1,079Q4202256%$802$1,028Q12023 49% $970 $951 Q22023 49% $985$936 Q3 202355%$871 $1,066Q4 2023 uninsured deposits insured deposits uninsureddeposits Deposit Type Total Balance % of Total (#) Accounts Average Balanceper AccountBusiness $970,644 50 7,243 134 Personal $648,095 33% 12,71551 Public Funds $268,400 14% 47 5,711 Brokered CDs $50,0003% 2 25,000Grand Total $ 1,937,139 100% 20,007 $97

Deposits Trend (EOP) In millions $88 $30 $10 $48 12/31/2018 $229$62 $38 $129 12/31/2019 $312 $97 $77 $138 12/31/2020 $352 $130$68$154 12/31/2021 $446 $172 $97 $177 12/31/2022$492 $16 $164$112 $200 12/31/2023Global HOA JA MD advantage Commentary$404 million in deposit growth compared to December 31, 2018.Growthby vertical from 2018 to 2023: JA/PCG: $134 million.HOA:$102 million.Correspondent Banking & International Banking:$152 million.MD Advantage: $16 million.

LIQUIDITYEOP for Balance Sheet amountsTotal Liquidity30%28%38%33%27%20% 19% 14% 10% 10% Dec-22 Mar-23 Jun-23 Sep-23 Dec-23OnBalance Sheet Liquid Assets Total Liquidity Liquid Assets: On-BalanceSheet Liquidity / Total Assets Total Liquidity: Total Liquidity / Total AssetsSourcesof Liquidity (in millions) 12/31/2023On Balance Sheet LiquidityCash$7Duefrom banks$30Investment securities unpledged$188Total onbalance sheet liquidity (Liquid Assets) $225Off Balance Sheet LiquidityFHLBexcess capacity$124Bank Term Funding Program (BTFP) $132FederalReserve Discount Window$34Fed Fund Lines$105Total offbalance sheet liquidity$395Total Liquidity$620Liquidity calculationexcludes vault cash reservesCommentaryWe believe we arewell positioned to weather the current economic environment. We haveample sources of liquidity both on and off-balance sheet. Loan-to-depositratio increased due to additional loan production during the quarter.We are enrolled in BTFP but did not draw any funds as of December31, 2023. However, in early January, we drew down $80 million andpaid off a similar amount of FHLB borrowings to take advantageof the less expensive funding source (70bps on $80 million).Loan-to-Deposit Ratio82.4% Dec-22 86.3% Mar-23 83.1%Jun-23 87.3% Sep-23 91.9% Dec-23

LOAN PORTFOLIOTotal Loans (AVG) In millions $1,457 $1$1,456Q4 2022 $1,547 $1 $1,546 $1,569 $0$1,569 Q2 2023 $1,611 $0$1,611Q3 2023 $1,699 $0$1,699 Q4 2023Loans (Excl PPP) PPP LoansLoanYields4.86% 0.04% 4.82% 5.17%0.03%5.14%5.33%0.02%5.31%5.55%0.02%5.53%5.79%0.00%5.79%Q42022Q12023 Q22023 Q42023Loan coupon Loan feesCommentaryAverageloans increased $87.7 million or 21.6% annualized compared to priorquarter and $241.8 million or 16.6% compared to the fourth quarter2022.Loan coupon increased 26 bps compared to prior quarterand 97 bps compared to the fourth quarter 2022. Loan fees for the fourthquarter 2023 decreased due to realization of premium on purchasedloans.While our average loan portfolio for the fourth quarterof 2023 was $1.7 billion, our EOP loan balance was $1.8 billion. + 97 bpsQ4’23vs Q4’22

LOAN PRODUCTIONNet Loan Production TrendIn millions$129$545.68%$94$22$67$516.66%7.20%$67$517.20%8.00%$135$55$150$46Q42022Q12023Q22023Q32023Q42023Loan Production/Linechanges Loan Amortization/payoffs New loansaverage couponLoanComposition Trend(1) In millions$94828%63%9%Jun-20$1,77912%62%26%Dec-23Residential real estate Commercial real estatereal Estate Loans Commercial and Industrial ,Foreign banks and consumerand other (1) Excludes unearned fees and PPP Loans. EOP.Commentary$446 million in new loan production in 2023 at higherrates.Weighted average coupon on new loans was 8.00% for fourthquarter 2023, 221 bps above portfolio average.Loan compositionshift from real estate loans to non-CRE loans is steadily increasing,further diversifying our loan portfolio.

NET INTEREST MARGINNet Interest Income/Margin (1)in thousands(exceptratios)3.45%$16,866 Q42022 3.22%$15,997Q120232.73%$14,173Q2 2023 2.60% $14,022 Q3 2023 2.65% $14,376Q42023Net interestincome NIMInterest-Earning Assets Mix(AVG)3%22%75%2%21%77%4%20%76%4%21%75%2%19%79%Q42022Q12023Q22023Q32023Q42023Total Loans Investment securitiesCash Balances & EquivalentsCommentaryNet interest incomebefore provision and NIM increased in the quarter.NIM is expectedto increase going forward due to:Slower increases in deposit costsNew loans coming on at higher ratesNew advancefrom BTFP will represent savings of 70 bps on $80 million compared to previousFHLB borrowings. Loan to deposit ratio is increasingThe mix of ourinterest-earning assets continue to improve.

INTEREST RATE SENSITIVITYin this slide the Static NII Simulationpercentages must be updated manuallyLoan Portfolio RepricingProfile by Rate Type Fixed Rate 42% Hybrid ARM 4% Variable Rate54%17%15%68% Prime CMT LIBOR/SOFR Loan Repricing ScheduleVariable/HybridRate Loans46%13%9%32%0-1yrs1-2yrs2-3yrs>3yrsStatic NII Simulation Year1 & 2$6,000$5,000$4,000$3,000$2,000$1,000$0 0.8%+1001.1%+2004.5%+1008.1%+200NetInterest Income change from base ($ in thousands and % change)

SECURITIES PORTFOLIOEOP for Balance Sheet amounts, in millionsPortfolioCompositionCMO MBS CMBS SBA Agency Municipalities CorporateBank subordinated Debt24%14%7%6%5%2%7%35%CommentarySecurities portfolio was $404.3 million; 56.7% of the portfoliois classified as AFS, while 43.3% is classified as HTM.Themodified duration is 5.5 and the average life is 6.9 years. Durationhas increased as the result of higher rates and lower prepayments. Weexpect to receive $40.5 million from the securities portfolioin 2024 at current rates; these cashflows will support loan growthor debt repayment. If rates drop 100 bps, we expect to receive$43.3 million.80.3% of the portfolio is invested in mortgage-backedsecurities, boosting the liquidity. Securities Portfolio Key MetricsMetricsas of 13/31/2023 Securities portfolio $404.3 AFS as % of portfolio56.7% HTM as % of portfolio43.3% Portfolio Yield 2.4% AverageLife 6.9 Mod Duration 5.5 AFS AOCI (50.1) Estimated Short Term Cashflows2024$43.3 $4.5 $37.6 2025 $39.3 $36.8 $34.5 2026 $48.2 $46.4 $44.7Total $130.8 $123.6 $116.8 Securities Portfolio % 32.4% 30.6% 28.9%

ASSET QUALITYAllowance for Credit Lossesin thousands (exceptratios) 1.16% 1.20% 1.18% 1.16% 1.18% $17,487 Q42022 $18,887Q12023 $18,815 Q22023 $19,493 Q3 2023 $21,084 Q4 2023Allowancefor credit losses ACL Total LoansNon-performing Loans in thousands (exceptratios)0.00% $0Q4 2022 0.03% $486 Q12023 0.03% $486 Q2 20230.03% $479 Q3 2023 0.03% $468 Q4 2023Non-accrualloans Non-performing loans to total loansCommentary ACL coverageratio is at 1.18% on December 31, 2023, slightly up from prior quarter.OneC&I loan for $468 thousand was classified as nonaccrualon December 31, 2023. No OREO.ACL increased by $1.6 million dueto net loan growth during the quarter. Classified Loans (1) to Total Loans0.26%0.25%0.21%0.27%0.32%Q42022Q12023Q22023Q32023Q42023(1) Loans classified as substandardat period end.

LOAN PORTFOLIO MIXLoan Portfolio Mix (1)Residential real estateCRE -owner occupied CRE Non-owner occupied commercial andindustrial correspondent banks consumer and other49%12%6%11%12%10%$1,779MM(1)CommentaryTotal loan balance at quarter end was $1,779 million (1).CommercialReal Estate (owner occupied and non-owner occupied) was 59%or $1,048 million of the total loan portfolio(1).CRE mix is diversifiedand granular. Retail non-owner occupied makes up 27% of totalCRE or $282.9 million. CRE Loan MixLand/construction 4%Other 3% Retail 27% Multifamily 17%CRE -owner occupied17% Office 12% Warehouse 12%Hotels 8% $1,048MMAs of 12/31/23Excludesunearned feesIncludes loan types: office, warehouse, retail,and otherCRE Loan Portfolio (non-owner occupied and owner occupied)LoanType LTV(1) DSCR (2) Weighted Average Average Loan size(3)Retail 55% 1.92 $2.9 Multifamily 59% 1.44 $1.4 Office 57% 2.06$1.4 Warehouse 58% 1.82 $1.6 Hotels 55% 2.11 $5.1Other 59% 1.94$1.7 Land/construction 52% NA $2.3(1) LTV - Loan to value ratio.(2)DSCR - Debt service coverage ratio.(3) Balance in millions.

NON-INTEREST INCOMEService feesGain $1,348 $1,329$1,173$1,205$1,093(loss) on sale of securities available for sale(883) (955) -(21)(1,989Gain on sale of loans held for sale10525594347205Other income7561,532579539568Total non-interest income$1,326$2,161$1,846$2,070($123)Average total assets$2,268,811$2,250,258$2,183,542$2,120,218$2,051,867Non-interest income (loss)/Average assets (1) 0.23%0.38%0.34%0.40%(0.02%)CommentaryServicefees have increased year over year due to new foreign correspondentbanks and strategic pricing on wire fees.As part of our commitmentto address NIM compression, we executed a $10 million loss tradetransaction selling lower yielding securities and reinvesting the funds inhigher-yielding investments and loans; resulting in a loss of $883thousand. Excluding the loss on securities in the fourth quarterin 2023, non-interest income over average assets was 0.39%, inline with prior quarters. Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022

NON-INTEREST EXPENSEQ4 2023Q3 2023Q2 2023Q1 2023Q4 2022Inthousands (except ratios) 1,299 Salaries and employee benefits$6,104$6,066$5,882$6,377$6,080Occupancy1,2621,3501,3191,2991,256Regulatoryassessments and fees412365452224222Consulting and legalfees642513386358371Network and information technology services552481505478483Otheroperating expense1,747 1,686 1,908 1,440 1,602Total non-interest expense$10,719 $10,461 $10,452 $10,176$10,014 Efficiency ratio 68.27% 64.64% 65.25%56.32%56.32%59.81%Averagetotal assets $2,268,811 $2,250,258 $2,183,542 $2,120,218 $2,051,867Non-interest expense / Average assets (1) 1.87% 1.84% 1.92% 1.95%1.94% Full-time equivalent employees 196 194 198 196 191CommentaryConsulting and legal fees increased $129 thousand due to a one-time,nonrecurring legal expense associated with the previously disclosedlegacy shareholder lawsuit commenced in 2023 which was dismissedin December 2023.Non-interest expense / Average assets has improved7 bps year-over-year.Operational efficiencyratio(2) for the fourth quarter 2023 was 64.63%.

CAPITALCapital Ratios (1) Q4 2023Q3 2023Q4 2022Well-CapitalizedLeverage RatioTCE/TA (2) Tier 1 Risk-Based CapitaTotalRisk-Based Capitall9.28%9.26%9.61%5.00%8.09%8.15%8.75%NA11.62%11.97%12.53%8.00%12.78%13.10%13.65%10.00%AOCIInMillions($44.3) ($51.2) ($44.8) CommentaryDuring the quarter,the Company repurchased 92,317 shares of common stock at aweighted average price per share of $10.45. AOCI was ($44.3) millionor ($2.26) per share as of December 31, 2023.Q4 2023 EOP sharesoutstanding:Common Stock: 19,575,435(1) Reflects the Company'sregulatory capital ratios which are provided for information purposesonly; as a small bank holding company, the Company is notsubject to regulatory capital requirements. (2) Non-GAAP financialmeasures.

TAKEAWAYSLeading franchise located in one of the most attractivebanking markets in Florida and the U.S. Robust organic growthStrongasset quality, with minimal charge-offs experiencedsince 2015 recapitalizationExperienced and tested management teamStrongprofitability, with pathway for future enhancement identifiedCorefunded deposit base with 29% non-interest-bearing deposits (EOP)

APPENDIX - NON-GAAP RECONCILIATIONIn thousands (except ratios)Pre-tax-provison (“PTPP”) income: As of or for the three months ended12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022Net income(1) $2,721 $3,819 $ 4,196 $5,809 $4,434 Plus :Provision forincome taxes 787 1,250 1,333 1,881 1,415 Plus:Provision for creditlosses 1,475 653 38 201 880 PITPP income4,983 $5,722 $5,567$7,891 $6,729 PTPP return on average assets (1) $4,983 $5,722 $5,567$7,891 $6,729 Average assets $2,268,811 $2,250,258 $2,183,542 $2,120,2018$2,051,867 PTPP return on average assets (2) 0.87% 1.01%1.02% 1.51% 1.30%Operating net income: (1) $2,721 $ 3,819$ 4,196 $ 5,809 $ 4,434 (883) (955) – (21) (1,989) Less : net gains(losses) on sale of securities Less :tax effect on sale of securities 224242 – 5 504Operating net income $3,380 $ 4,532 $ 4,196 $ 5,825$ 5,919 Operating PTPP income (1) $ 4,983 $5,722 $5,567 $7,891$6,729 Less:net gains (losses) on sale of securities (883) (955) – (21)(1,989)Operating PTPP income $ 5,866 $ 6,677 $5,567 $7,912$8,718Operating PTPP return on average assests: (1) $5,866 $6,677$5,567 $ 7,912 $8,718Average asets $ 2,268,811 $ 2,250,258 $2,183,542$2,120,218 $2,051,867 Operating PTPP return on average assets (2)1.03%1.18% 1.02% 1.51%1.69%Opearting return on averageassets : (1) $3,380 $ 4,532 $ 4,196 $ 5,825 $ 5,919 Average assets $ 2,268,811$2,250,258 $ 2,183,542 $ 2,051,867 Opearting return on averageassets (2) 0.59% 0.80% 0.77% 1.11% 1.14% Operating return on averageequity : (1)$3,380$4,532 $4,196 $5,825 $ 5,919 Average equity $183,629 $184,901$184,238 $183,371 $177.556 Operating return on averageequity 7.30% 9.72% 9.13% 12.88% 13.23%Operating revenue : (1) $14,376 $14,022 $14,173 $15,997 $16,866 Non-interest income1,326 2,161 1,846 2,070 (123) Less :net gains (losses)on sale ofsecurities

(833) (955)- (21)(1,989) Oerating revenue $ 16,585 $ 17,138 $16,019$ 18,088 $ 18,732Operating Efficiency Ration: (1) $10,719 $10,461$10,452 $10,176 $10,014 Operating revenue $16,585 $ 17,138$16,019 $18,088 $18,732 Operating efficiency ration 64.63% 61.04%65.25% 56.26% 53.46% (1)The company believes these non-GAAPmeasurements are key indicators of the ongoing earnings powerof the company (2)Annualized.

APPENDIX - NON-GAAP RECONCILIATIONIn thousands (except ratiosand share data)As of or the for the three months ended Tangible bookvalue per common share (at period -end) 12/31/2023 9/30/20236/30/2023 3/31/2023 12/31/2022Total shareholder’s equity $ 191,968 $182,884 $183,858 $182,428 Less:Intangible assets (2)- - - - - tangible stockholder’s equity (2)$191,968 $182,884 $183,685$ 183,858 $ 182,428 Total sharesissued and outstanding (atperiod-end) 19,575,435 19,542,290 19,544,777 19,622,380 20,000,753Tangible book value per sommon shar (2)(3) 9.81 9.36 9.40 9.37 9.12Operatingdiluted net income per sommon share : (1)$3,380 $4,532 $ 4,196 $5,825$ 5,919Total weighted average dilute shares of common stock19,573,350 19,611,897 19,639,682 19,940,606 20,172,438 Operatingdiluted net income per sommon share : $ 0.17 $ 0.23 $ 0.21$ 0.29 $ 0.29 Tangible Common Equity/Tangible Assets (1) $191,968 182,884183,685 183,858 182,428 Tangible total assets (2) 2,339,093$ 2,244,602 $ 2,225,914 $ 2,163,821 $ 2,085,834 Tangible common equity/tangible assets (2) 8.21% 8.15% 8.25% 8.50% 8.75% (1) The companybelieves these non-GAAP easurements are key indicatorsof the ongoing earnings power of the company. (2) Since the companyhas no intangible assets,tangible stockholders’s equity ,tangiblebook value per share and tangible assets are the same amountsas stockholders’ equity , book value per share and total assets calculated under GAAP.(3) Excludes the dilutive effect,ifany,of shares of common stock issuable upon exercise of outstanding stockoptions.

LOU DE LA AGUILERAChairman, President & CEO (305) 715-5186laguilera@uscentury.comROB ANDERSONEVP, Chief Financial Officer(305) 715-5393rob.anderson@uscentury.comINVESTORRELATIONSInvestorRelations@uscentury.com