Exhibit 99.2

EARNINGS PRESENTATION THIRD QUARTER 2024NASDAQ: USCB USCB FINANCIAL HOLDING | U.S. CENTURYBANK

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 statements are those that are not historical facts.The words “may,” “will,” “anticipate,” “could,” “ should,” “would,”“believe,” “contemplate,” “expect,” “aim,” “plan,” “estimate,”“continue,” and “intend,”, the negative of these terms, as well as othersimilar words and expressions of the future, are intended to identifyforward-looking statements. These forward-looking statementsinclude, but are not limited to, statements related to our projectedgrowth, anticipated future financial performance, and management’slong-term performance goals, as well as statements relating tothe anticipated effects on our results of operations and financial conditionfrom expected or potential developments or events, or business andgrowth strategies, including anticipated internal growth and balancesheet restructuring. 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: thestrength of the United States economy in general and the strengthof the local economies in which we conduct operations; ourability to successfully manage interest rate risk, credit risk,liquidity risk, and other risks inherent to our industry; the accuracyof 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 andprocesses; our ability to comply with the extensive laws and regulationsto 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; legislativeor regulatory changes and changes in accounting principles,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 portfolio and the concentrationin the South Florida market, including the risks of geographic,depositor, and industry concentrations, including our concentrationin loans secured by real estate, in particular, commercial realestate; the effects of climate change; the concentration of ownership ofour common stock; fluctuations in the price of our common stock;our ability to fund or access the capital markets at attractiverates and terms and manage our growth, both organic growth aswell as growth through other means, such as future acquisitions;inflation, interest rate, unemployment rate, and market and monetaryfluctuations; impacts of international hostilities and geopoliticalevents; increased competition and its effect on the pricing of our productsand services as well as our net interest rate spread and netinterest 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 andsecurity breaches; and other risks described in this presentation andother filings we make with the Securities and Exchange Commission(“SEC”). All forward-looking statements are necessarilyonly estimates of future results, and there can be no assurance that actualresults will not differ materially from expectations. Therefore,you are cautioned not to place undue reliance on any forward-looking

statements. Further, forward-looking statements included in thispresentation are made only as of the date hereof, and we undertakeno obligation to update or revise any forward-looking statementsto reflect events or circumstances occurring after the date on whichthe statements are made or to reflect the occurrenceof unanticipated events, unless required to do so under the federal securitieslaws. You should also review the risk factors describedin the reports USCB Financial Holdings, Inc. filed or will file withthe SEC. Non-GAAP Financial Measures This presentation includesfinancial information determined by methods other than in accordancewith generally accepted accounting principles (“GAAP”). This financial informationincludes certain operating performance measures. Managementhas includedthese non-GAAP financial measures because it believes thesemeasures may provide useful supplemental information for evaluatingthe Company’s expectations and underlying performancetrends. Further, management uses these measures in managing and evaluatingthe Company’s business and intends to refer to them indiscussions about 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-GAAP measuresthat may be presented by other companies. Reconciliations ofthese non-GAAP measures to the most directly comparableGAAP measures can be found in the Non-GAAP financial measures reconciliationtables included in this presentation. All numbers included inthis presentation are unaudited unless otherwise noted. 2

Q3 2024 HIGHLIGHTS GROWTH Average deposits increasedby $136.1 million or 7.0% compared to the third quarter 2023. Averageloans increased $267.4 million or 16.6% compared to the third quarter2023. Liquidity sources as of September 30, 2024, aggregated $695million in on-balance sheet and off-balance sheet sources.Tangible book value per common share (a non-GAAP measure)(1) on September 30, 2024 was $10.90 includes AOCI impact of($1.94) increased $0.66 or 25.7% annualized from $10.24 in priorquarter end which included an AOCI impact of ($2.62). PROFITABILITYNet income was $6.9 million or $0.35 per diluted share,an increase of $3.1 million or 82.0% compared to the third quarter2023. Net interest income before provision increased $4.1 millionor 29.1% for the quarter compared to the third quarter 2023.ROAA was 1.11% in the third quarter 2024 compared to 0.67%for the third quarter 2023. ROAE was 13.38% in the third quarter2024 compared to 8.19% for the third quarter 2023. CAPITAL/CREDITThe Company’s Board of Directors declared acash dividend of $0.05 per share of the Company’s Class A common stockon October 28, 2024. The dividend will be paid on December5, 2024 to shareholders of record at the close of business on November15, 2024. At September 30, 2024, four loans were classified asnonaccrual for a total of $2.7 million. ACL coverage ratio was 1.19%at September 30, 2024, and 1.16% at September 30, 2023. (1)Non-GAAP financial measure. See reconciliation in this presentation.3

HISTORICAL FINANCIALS EOP for Balance Sheet amounts Loans(1) In millions $735 $1,931 2016 2017 2018 2019 2020 20212022 2023 Q1 Q2 Q3 2024 2024 2024 Deposits In millions $782$2,127 2016 2017 2018 2019 2020 2021 2022 2023 Q1 Q2 Q32024 2024 2024 Total stockholders' equity In millions $86 $2142016 2017 2018 2019 2020 2021 2022 2023 Q1 Q2 Q3 20242024 2024 ACL/Total Loans (2) 1.17% 1.19% 2016 2017 20182019 2020 2021 2022 2023 Q1 Q2 Q3 2024 2024 2024 Net charge-offs ($1,019) ($6) 2016 2017 2018 2019 2020 2021 2022 2023Q1 Q2 Q3 2024 2024 2024 Nonperforming Assets/TotalAssets 1.58% 0.11% 2016 2017 2018 2019 2020 2021 2022 2023Q1 Q2 Q3 2024 2024 2024 Net Interest Income In millions$30 $59 2016 2017 2018 2019 2020 2021 2022 2023 Q1 Q2 Q32024 2024 2024 Efficiency ratio 94.15% 53.16% 2016 2017 20182019 2020 2021 2022 2023 Q1 Q2 Q3 2024 2024 2024 PTPPROAA (3) 0.24% 1.62% 2016 2017 2018 2019 2020 2021 2022 2023Q1 Q2 Q3 2024 2024 2024 (1) Loan amounts include deferredfees/costs. (2) ACL was calculated under the CECL standard methodologyfor all periods after January 1st 2023, and the incurred lossmethodology for all periods before. (3) Non-GAAP financial measure.See reconciliation in this presentation. 4

FINANCIAL RESULTS In thousands (except per sharedata) Q3 2024 Q2 2024 Q3 2023 Balance Sheet (EOP) TotalSecurities $426,528 $406,050 $415,920 Total Loans (1) $1,931,362$1,869,249 $1,676,520 Total Assets $2,503,954 $2,458,270$2,244,602 Total Deposits $2,126,617 $2,056,702 $1,920,922Total Equity (2) $213,916 $201,020 $182,884 Income StatementNet Interest Income $18,109 $17,311 $14,022 Non-InterestIncome $3,438 $3,211 $2,161 Total Revenue $21,547 $20,522$16,183 Provision for Credit Losses $931 $786 $653 Non-InterestExpense $11,454 $11,560 $10,461 Net Income $6,949 $6,209$3,819 Diluted Earning Per Share (EPS) $0.35 $0.31 $0.19 WeightedAverage Diluted Shares 19,825,211 19,717,167 19,611,897(1) Loan amounts include deferred fees/costs. (2) Total Equityincludes accumulated comprehensive loss of $38.0 million for Q3 2024,$44.7 million for Q2 2024, and $51.2 million for Q3 2023. 5

KEY PERFORMANCE INDICATORS Q3 2024 Q2 2024 Q32023 In thousands (except for TBV/share) GROWTH Total Assets(EOP) $2,503,954 $2,458,270 $2,244,602 Total Loans (EOP)$1,931,362 $1,869,249 $1,676,520 Total Deposits (EOP) $2,126,617$2,056,702 $1,920,922 Tangible Book Value/Share(1)(2) $10.90 $10.24 $9.36 PROFITABILITY Return On AverageAssets (ROAA) (3) 1.11% 1.01% 0.67% Return On AverageEquity (ROAE) (3) 13.38% 12.63% 8.19% Net Interest Margin (3) 3.03%2.94% 2.60% Efficiency Ratio 53.16% 56.33% 64.64% Non-Interest Expense/Avg Assets (3) 1.83% 1.88% 1.84% CAPITAL/CREDITTangible Common Equity/Tangible Assets (1) 8.54%8.18% 8.15% Total Risk-Based Capital (4) 13.22% 13.12%13.10% NCO/Avg Loans (3) 0.00% 0.00% 0.00% NPA/Assets0.11% 0.03% 0.02% Allowance for Credit Losses/Loans 1.19%1.19% 1.16% (1) Non-GAAP financial measures. See reconciliationin this presentation. (2) AOCI effect on tangible book value pershare was ($1.94) for Q3 2024, ($2.28) for Q2 2024 and ($2.62) forQ3 2023. (3) Annualized. (4) Reflects the Company's regulatorycapital ratios which are provided for informational purposes only;as a small bank holding company, the Company is not subjectto regulatory capital requirements. 6

DEPOSIT PORTFOLIO Deposits AVG In millions $1,941$1,914 $2,049 $2,083 $2,078 $290 $282 $323 $316 $326 $1,011$1,005 $1,098 $1,101 $1,085 $52 $50 $53 $56 $58 $588 $577 $575$610 $609 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Non-interest-bearing deposits Money market and savings Interest-bearing checkingdeposits Time deposits Deposit Cost 2.39% 2.53% 2.76% 2.64%2.66% Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 CommentaryAverage deposits slightly decreased to $2,078 millioncompared to the prior quarter and increased $136.1 million or 7.0%compared to the third quarter 2023. DDA remained at 29% oftotal average deposits. The quarterly average cost of deposits went up2 bps during the third quarter of 2024 compared to the prior quarter;however, the monthly average deposit cost for September 2024was 2.57%. The monthly decrease in deposit cost was due to theCompany reducing Money Market rates in conjunction with the FedFunds decrease during the month. 7

LOAN PORTFOLIO Total Loans (AVG) In millions2.39% 2.53% 2.76% 2.64% 2.66% Q3 2023 Q4 2023 Q1 2024Q2 2024 Q3 2024 Loan Yields $1,611 $1,699 $1,782 $1,828$1,878 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 5.55% 5.79%6.01% 6.16% 6.32% 0.02% 0.00% 0.00% 0.00% 0.00% 5.37%5.79% 6.01% 6.16% 6.32% + 79 Q3'23 vs Q3'24 Q3 2023 Q4 2023Q1 2024 Q2 2024 Q3 2024 Loan coupon Lona fees CommentaryAverage loans increased $49.7 million or 10.8% annualized comparedto prior quarter and $267.4 million or 16.6% compared to the third quarter2023. Loan coupon increased 16 bps compared to the priorquarter and 79 bps compared to the third quarter 2023. 8

LOAN PRODUCTION Net Loan Production Trend In millions8.00% 8.00% 8.16% 8.01% 7.75% $135 $55 $150 $46 $131 $91$155 $108 $157 $83 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q32024 Loan Production/Line changes Loan Amortization/payoffsNew loans weighted average coupon Loan Composition TrendEOP (1) In millions $948 $1,928 28% 15% 63% 57% 9% 28%Jun-20 Sep-24 Residential real estate commercial real estateReal Estate Loans Commercial and industrial, correspondent banks, andCustomer and other (1) Excludes deferred fees/cost. Commentary$146.0 million in new loan production in the third quarter 2024. Weightedaverage coupon on new loans was 7.75% for third quarter 2024,143 bps above portfolio weighted average yield. Loan compositionshift from real estate loans to non-CRE loans is steadily increasing,further diversifying our loan portfolio. 9

NET INTEREST MARGIN Net Interest Income/Margin (1) In thousands(Except ratios) 2.60% 2.65% 2.62% 2.94% 3.03% $14,022$14,376 $15,158 $17,311 $18,109 Q3 2023 Q4 2023 Q1 2024 Q22024 Q3 2024 Net Interest Income NIM Interest-Earning AssetsMix (AVG) 4% 2% 5% 4% 3% 21% 19% 18% 19% 18%75% 79% 77% 77% 79% Q3 2023 Q4 2023 Q1 2024 Q2 2024Q3 2024 Total Loans Investment Securities Cash Balances& Equivalents Commentary Net interest income increased$798 thousand or 18.3% annualized compared to prior quarter and $4.1million or 29.1% compared to the third quarter 2023. Net interest marginincreased 9 bps compared to prior quarter and 43 bps comparedto third quarter 2023. NIM drivers: Interest earning asset mix improvingat higher yields. Deposit cost remained stable. (1) Annualized. 10

INTEREST RATE SENSITIVITY Loan Portfolio RepricingProfile by Rate Type Hybrid ARM 3% Fixed Rate 44% VariableRate 53% 23% 12% 65% Prime CMT SQFR Loan Repricing ScheduleVariable/Hybrid Rate Loans 29% 38% 12% 21% yrs.1-2 yrs. 2-3 yrs. >3 yrs. Static NII Simulation Year 1& 2 $4,000 $3,000 $2,000 $1,000 -100 +100 -100 +100 $0 -1.4% 0.7%-5.5% 4.1% -$1,000 -$2,000 -$3,000 -$4,000 -$5,000 Net InterestIncome change from base ($ in thousands and % change) 11

ASSET QUALITY Allowance for Credit Losses In thousands (exceptratios) 1.16% 1.18% 1.18% 1.19% 1.19% $19,493 $21,084 $21,454 $22,230$23,067 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Allowancefor credit losses ACL/Total loans Non-performing Loans Inthousands (except ratios) 0.03% 0.03% 0.03% 0.04% 0.14% $479 $468$456 $759 $2,725 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024Non-accrual loans Non-performing loans to total loans ClassifiedLoans (1) to Total Loans 0.27% 0.53% 0.44% 0.45% 0.36% Q32023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Commentary Allowancefor credit losses increased $837 thousand compared to prior quarterand $3.6 million compared to third quarter 2023. ACL coverageratio was at 1.19% as of September 30, 2024. One C&I loan for $420 thousand,one consumer loan for $1,991 thousand, and one residential realestate loan for $314 thousand were classified as nonaccrualas of September 30, 2024. (1) Loans classified as substandard at period end.No loans classifieddoubtful at all the dates presented. 12

LOAN PORTFOLIO MIX Loan Portfolio Mix (1) 10% 15% 10% 47%13% 5% $1,928 MM(1) Residential real estate CRE – Owneroccupied CRE – Non-owner occupied Commercial and industrialCorrespondent banks Consumer and other Commentary Total loanbalance at quarter end was $1,928 million (1). CommercialReal Estate (owner occupied and non-owner occupied) was 57%or $1,095 million of the total loan portfolio(1). CRE mix is diversifiedand granular. Retail non-owner occupied makes up 27%of total CRE or $297.1 million. CRE Loan Mix Land/Construction3% Other 3% Retail 27% Multifamily 18% CRE - Owner Occupied17% Office 11% Warehouse 12% Hotels 9% $1,095MMAs of 9/30/24 Excludes deferred fees/cost Includes loan types: office,warehouse, retail, and other CRE Loan Portfolio (non-owneroccupied and owner occupied) Weighted Average LoanType Outstanding Balance (1) LTV (2) DSCR (3) AverageLoan Size (1) Retail $316 57% 1.53 $3.0 Multifamily $203 56% 1.33$1.6 Office $182 56% 1.94 $1.5 Warehouse $187 57% 2.25$1.6 Hotel $96 59% 2.23 $4.8 Other $75 57% 2.07 $1.7 Land/Construction$36 45% NA $2.1 (1) Balance in millions. Excludes deferredfees/cost. (2) LTV - Loan to value ratio. (3) DSCR - Debt servicecoverage ratio. 13

CRE OFFICE PORTFOLIO Owner Occupied Office by Business TypeIn Millions as of 9/30/2024 $19.2 30% $16.4 25% $24.8 38%$4.4 7% Medical/Dental Other Professional Other <$1MM CommentaryTotal office loan portfolio (owner occupied and non-owneroccupied) had 120 notes with an average balance of $1.5 million, LTVof 56%, and DSCR of 1.94X at quarter end. The largest businesstype in the office portfolio is multi-tenant with 46% of the portfolio.South Florida’s office sector outperforms the national averagewith a lower vacancy rate of 12% and with a positive net absorption forthree straight years as of Q1 2024. All three major marketswithin South Florida were ranked in the top 10 nationally foryear-over-year rent growth. (1) Non-Owner Occupied Officeby Business Type $12.1 11% $83.0 71% $16.3 14% $4.9 4% Multi-TenantMedical/Dental Other <$1MM Office Loan Portfolio Maturities andRepricing < 1 year 1 year to 3 years 3 years to 5 years5 years to 10 years > 10 years 11% 28% 49% 12% 0% CRE OfficeKey Metrics As of 9/30/240 Avg. Loan Size in millions $1.5NCOs / Average Loans 0.00% Delinquencies / Loans 0.00% Nonaccruals/ Loans 0.00% Classified Loans / Loans 0.00% (1) Data points source:CBRE, a NYSE-listed and worldwide commercial real estate services& investment company with clients in 100+ countries, including over95% of the Fortune 100. Published March 2024. 14

NON-INTEREST INCOME In thousands (except ratios) Q3 2024 Q22024 Q1 2024 Q4 2023 Q3 2023 Total service fees$2,544 $1,977 $1,651 $1,348 $1,329 Wire fees $563 $557 $521 $518$502 Swap fees $1,285 $650 $285 $16 $97 Other $696 $770 $845$814 $730 Gain (loss)on sale of securities available for sale - 14 - (883) (955) Gainon sale of loans held for sale 109 417 67 105 255 Other income785 803 746 756 1,532 Total non-interest income $3,438$3,211 $2,464 $1,326 $2,161 Average total assets $2,485,434$2,479,222 $2,436,103 $2,268,811 $2,250,258 Non-interest income/Averageassets (1) 0.55% 0.52% 0.41% 0.23% 0.38% Commentary Service feesincreased year over year due to loan swap fees and wire fees.Gain on sale of SBA 7a loans represent $109 thousand for the third quarter2024. Non-interest income is 16.0% of total revenue for third quarter2024 and 0.55% to average assets; both metrics are higher than priorquarters. (1) Annualized. 15

NON-INTEREST EXPENSE In thousands (except ratios) Q3 2024 Q22024 Q1 2024 Q4 2023 Q3 2023 Salaries and employee benefits$7,200 $7,353 $6,310 $6,104 $6,066 Occupancy 1,341 1,266 1,3141,262 1,350 Regulatory assessments and fees 452 476 433412 365 Consulting and legal fees 161 263 592 642 513 Network andinformation technology services 513 479 507 552 481 Other operatingexpense 1,787 1,723 2,018 1,747 1,686 Total non-interestexpense $11,454 $11,560 $11,174 $10,719 $10,461 Efficiencyratio 53.16% 56.33% 63.41% 68.27% 64.64% Averagetotal assets $2,485,434 $2,479,222 $2,436,103 $2,268,811 $2,250,258Non-interest expense / Average assets (1) 1.83% 1.88%1.84% 1.87% 1.84% Full-time equivalent employees 198 197 199196 194 Commentary Salaries and benefits decreased$153 thousand compared to the prior quarter due to higher incentives paidin the second quarter 2024. Consulting and legal fees decreased$102 thousand compared to the prior quarter due to reimbursement of legalexpenses. Non-interest expense to average assets remained under 2%for all periods. Efficiency ratio improved for the third quarter2024 primarily due to strong growth in non-interest income and aslight decrease in non-interest expenses. (1) Annualized. 16

CAPITAL Capital Ratios Q3 2024 Q2 2024 Q3 2023 Well-CapitalizedLeverage Ratio 9.34% 9.03% 9.26% 5.00% TCE/TA 8.54%8.18% 8.15% NA Tier 1 Risk-Based Capital 12.01% 11.93% 11.97%8.00% Total Risk - Based Capital 13.22% 13.12% 13.10%10.00% AOCI ($38.0) ($44.7) ($51.2) In Millions Commentary TheCompany paid in September 2024 a cash dividend of $0.05 pershare of the Company’s Class A common stock; the aggregatedistributed dividend amount was $1.0 million. During the quarter,the Company repurchased 10,000 shares of common stock at aweighted average cost per share of $12.03. 537,980 shares remainedauthorized for repurchase under the Company’s share repurchaseprograms at September 30, 2024. Q3 2024 EOP common stock sharesoutstanding: 19,620,632. (1) Reflects the Company's regulatory capitalratios which are provided for informational purposes only; as asmall bank holding company, the Company is not subject to regulatorycapital requirements. (2) Non-GAAP financial measures. See reconciliationin this presentation. 17

TAKEAWAYS Leading franchise located inone of the most attractive banking markets in Florida and the U.S.Robust organic growth Strong asset quality, with minimalcharge-offs experienced since 2015 recapitalization Experiencedand tested management team Strong profitability, with pathwayfor future enhancement identified Core funded deposit basewith 30% non-interest-bearing deposits (EOP) 18

APPENDIX - NON-GAAP RECONCILIATION APPENDIX- NON-GAAP RECONCILIATION In thousands (exceptratios) Pre-tax pre-provision ("PTPP") income: Net incomePlus: Provision for income taxes Plus: Provision for credit lossesPTPP income PTPP return on average as sets: As of or For theThree Months Ended 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023$ 6,949 $ 6,209 $ 2,213 1,987 4,812$ 1,428 2,721 $ 3,819 787 1,250 931 786 410 1,475 853 10,0938,982 $ 6,448 $ 4,983 $ 5,722 (1) PTPP in come Averageassets PTPP return on average assets $ 10,093 $ 8,962 $ 8,448$ 4,983 $ 5,722 $ 2,485,434 $ 2,479,222 $ 2,438,103 $ 2,288,811$ 2,250,258 (2) 1.62% 1.45% 1.08% 0.87% 1.01% Operating netincome: Net income Less: Net gains (losses) on sale of securities Less:Tax effect on sale of securities Operating net income(1) $ 6,949 $ 6,209 $ 4,812 $ 2,721 $ 3,819 14 (883) (955) (4)224 242 $ 6,949 $ 6,199 $ 4,812 $ 3,380 $ 4,532 Operating PTPP income:PTPP in come (1) $ 10,093 $ 8,982 $ 6,448 $ 4,983 $ 5,722 Less: Netgains (losses) on sale of securities Operating PTPP in come14 (883) (955) $ 10,093 $ 8,948 $ 6,448 5,886 $ 6,677 OperatingPTPP return on average as sets: (1) Operating PTPP income $10,093 $ 8,948 Average assets $ 2,485,434 $ Operating PTPPreturn on average assets (2) 1.62% 2,479,222 1.45% $ $ 2,438,1031.08% 8,448 $ 5,886 $ 6,677 $ 2,268,811 1.03% $ 2,250,2581.18% Operating return on average as sets: (1) Operating netincome 6,949 6,199 4,812 $ Average assets Operating return on averageassets (2) $ 2,485,4341.11% $ 2,479,222 1.01% $ 2,438,103 $ 0.76% 3,380 2,288,8110.59% 4,532 $ 2,250,258 0.80% Operating return on averageequity: (1) Operating net income Average equity 19 19 Operating returnon average equity (2) 6,949 $ 206,641 6,199 $ $ 197,755 $ 13.38%12.81% 4,812 $ 193,092 $ 9.61% 3,380 $ 183,629 7.30%

$ 4,532 184,901 9.72% Operating Revenue: (1) Net interest income $ Non-interest income 18,109 $ 3,438 17,311 $ Less: Net gains (losses)on sale of securities 3,211 14 15,158 $ 2,484 14,376 5 14,0221,326 2,161 (883) (955) Operating revenue 21,547 $ 20,508 $ 17,822$ 16,585 $ 17,138 Operating Efficiency Ratio: Total non-interestexpense Operating revenue Operating efficiency rato $ 11,454$ 21,547 $ 53.16% 11,560 $ 20,508 $ 56.37% 11,174 $ 17,822$ 63.41% 10,719 $ 10,461 16,585 $ 64.63% 17,138 61.04% (1)The Company believes these non-GAAP measurements are key indicatorsof the ongoing earnings power of the Company. 19 (2) Annualized.19

APPENDIX - NON-GAAP RECONCILIATION In thousands(except ratios and share data) 9/30/2024 3/31/2024 As of or Forthe Three Months Ended 6/30/2024 12/31/2023 9/30/2023 Tangiblebook value per common share (at period-end): (1) Total stockholders'equity $ 213,916 $ 201,020 $ 195,011 $ 191,968 $ 182,884Less: Intangible assets Tangible stockholders' equity Totalcommon shares issued and outstanding $ 213,916 $ 201,020 $ 195,011S 191,968 $ 182,884 Total shares issued and outstanding (at period-end):19,620,632 19,630,632 19,650,463 19,575,435 19,542,290 Tangiblebook value per common share (2) $ 10.90 $ 10.24 $ 9.92 $ 9.81$ 9.36 Operating diluted net income per common share: (1) Operatingnet income $ 6,949 $ 6,199 $ Total weighted averagediluted shares of common stock 19,825,211 19,717,167 4,612 $ 19,698,25819,573,350 Operating diluted net income per common share:$ 0.35 $ 0.31 $ 0.23 $ 3,380 $ 4,532 19,611,897 0.17 $ 0.23 TangibleCommon Equity/Tangible Assets (1) Tangible stockholders'equity $ Tangible total assets (3) $ Tangible Common Equity/TangibleAssets 213,916 $ 2,503,954 $ 8.54% 201,020 $ 2,458,270 $ 8.18%195,011 $ 2,489,142 $ 7.83% 191,968 $ 2,339,093 $ 8.21% 182,8842,244,602 8.15% (1) The Company believes these non-GAAPmeasurements are key indicators of the ongoing earnings powerof the Company. (2) Excludes the dilutive effect, if any,of shares of common stock issuable upon exercise of outstandingstock options. (3) Since the Company has no intangible assets, tangibletotal assets is the same amount as total assets calculated underGAAP. 20

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 21