Exhibit 99.2

EARNINGS PRESENTATION FOURTH QUARTER2024 NASDAQ: USCB USCB FINANCIAL HOLDINGS U.S.CENTURY BANK

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 statementsare 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 expressionsof the future, are intended to identify forward-looking statements. Theseforward-looking statements include, but are not limited to, statementsrelated to our projected growth, anticipated future financialperformance, and management’s long-term performancegoals, as well as statements relating to the anticipated effects on our resultsof operations and financial condition from expected or potentialdevelopments or events, or business and growth strategies, includinganticipated internal growth and balance sheet restructuring. Theseforward-looking statements involve significant risks anduncertainties that could cause our actual results to differ materiallyfrom those 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 successfullymanage interest 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 ability to comply with the extensive laws and regulationsto

which we are subject, including the laws for each jurisdiction wherewe operate; adverse changes or conditions in the capital and financialmarkets, including actual or potential stresses in the bankingindustry; 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 effects of theimplementation of the Current Expected Credit Losses (“CECL”)standard; the lack of a significantly diversified loan portfolioand the concentration in the South Florida market, including the risksof geographic, depositor, and industry concentrations, includingour 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 price of ourcommon 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 as futureacquisitions; inflation, interest rate, unemployment rate, andmarket 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 andsecurity 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 offuture results, and there can be no assurance that actual results will notdiffer materially from expectations. Therefore, you are cautionednot to place undue reliance on any forward-

looking statements. Further, forward-looking statements includedin this presentation are made only as of the date hereof, andwe undertake no obligation to update or revise any forward-lookingstatements to reflect events or circumstances occurring afterthe date on which the 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 described in thereports USCB 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 included these non-GAAP financial measuresbecause it believes these measures may provide useful supplementalinformation for evaluating the Company’s expectations and underlying performance trends. Further, management uses thesemeasures in managing and evaluating the Company’s business andintends to refer to them in discussions about our operations andperformance. Operating performance measures should be viewedin addition to, and not as an alternative to or substitute for, measuresdetermined in accordance with GAAP, and are not necessarilycomparable to non-GAAP measures that may be presented by othercompanies. Reconciliations of these non-GAAP measures to themost directly comparable GAAP measures can be found in the Non-GAAPfinancial measures reconciliation tables included in this presentation.All numbers included in this presentation are unaudited unlessotherwise noted. 2

Q4 2024 HIGHLIGHTS GROWTH Average deposits increasedby $225.0 million or 11.8% compared to the fourth quarter 2023. Averageloans increased $260.0 million or 15.3% compared to the fourth quarter2023. Liquidity sources as of December 31, 2024, aggregated $679million in on-balance sheet and off-balance sheet sources.Tangible book value per common share (a non-GAAP measure)(1) on December 31, 2024, was $10.81, which included an AOCI impactof ($2.24), increased $1.0 or 10.2% from $9.81 on December 31, 2023,which included an AOCI impact of ($2.26). PROFITABILITYNet income was $6.9 million or $0.34 per diluted share,an increase of $4.2 million or 153.7% compared to the fourth quarter2023. Net interest income before provision increased $5.0 millionor 34.7% for the quarter compared to the fourth quarter 2023. Non-interestexpense increased $2.1 million or 19.9% for the quarter comparedto the fourth quarter 2023. Non-routine non-interest expenses accounted for$1.0 million which had an impact of ($0.04) on diluted EPS.ROAA was 1.08% in the fourth quarter 2024 compared to 0.48%for the fourth quarter 2023. ROAE was 12.73% in the fourth quarter2024 compared to 5.88% for the fourth quarter 2023. CAPITAL/CREDIT The Company’s Board of Directors doubled thequarterly cash dividend and declared a $0.10 per share of the Company’sClass A common stock dividend on January 21, 2025. The dividendwill be paid on March 5, 2025, to shareholders of recordat the close of business on February 14, 2025. At December 31, 2024, nonaccrualloans totaled $2.7 million. ACL coverage ratio was 1.22% at December31, 2024, and 1.18% at December 31, 2023. Total stockholders'equity increased by $23.4 million or 12.2% compared to December31, 2023. (1) Non-GAAP financial measure. See reconciliation in thispresentation. 3

HISTORICAL FINANCIALS EOP for Balance Sheet amounts Loans(1) In millions $735 $1,973 2016 2017 2018 2019 2020 20212022 2023 2024 Deposits In millions $782 $2,174 2016 2017 20182019 2020 2021 2022 2023 2024 Total stockholders' equity Inmillions $86 $215 2016 2017 2018 2019 2020 2021 2022 2023 2024ACL/Total Loans (2) 1.17% 1.22% 2016 2017 2018 2019 20202021 2022 2023 2024 Net charge-offs ($1,019) ($26) 2016 2017 20182019 2020 2021 2022 2023 2024 Nonperforming Assets/TotalAssets 1.58% 0.10% 2016 2017 2018 2019 2020 2021 2022 20232024 Net Interest Income In millions $30 $70 2016 2017 20182019 2020 2021 2022 2023 2024 Efficiency ratio 94.15% 55.92%2016 2017 2018 2019 2020 2021 2022 2023 2024 PTPP ROAA (3)0.24% 1.58% 2016 2017 2018 2019 2020 2021 2022 20232024 (1) Loan amounts include deferred fees/costs. (2) ACL wascalculated under the CECL standard methodology for all periods beginningJanuary 1, 2023, and the incurred loss methodology for all periodsbefore. (3) Non-GAAP financial measure. See reconciliation inthis presentation. 4

FINANCIAL RESULTS In thousands (except per sharedata) Q4 2024 Q3 2024 Q4 2023 Balance Sheet (EOP) TotalSecurities $424,915 $426,528 $404,303 Total Loans (1) $1,972,848$1,931,362 $1,780,827 Total Assets $2,581,216 $2,503,954$2,339,093 Total Deposits $2,174,004 $2,126,617 $1,937,139Total Equity (2) $215,388 $213,916 $191,968 Income StatementNet Interest Income $19,358 $18,109 $14,376 Non-Interest Income$3,627 $3,438 $1,326 Total Revenue (3) $22,985 $21,547$15,702 Provision for Credit Losses $1,030 $931 $1,475 Non-Interest Expense $12,854 $11,454 $10,719 Net Income $6,904 $6,949$2,721 Diluted Earning Per Share (EPS) $0.34 $0.35 $0.14Weighted Average Diluted Shares 20,183,731 19,825,21119,573,350 (1) Loan amounts include deferred fees/costs. (2)Total Equity includes accumulated comprehensive loss of $44.5million for Q4 2024, $38.0 million for Q3 2024, and $44.3 million forQ4 2023. (3) Equals net interest income plus non-interest income.5

KEY PERFORMANCE INDICATORS Q4 2024 Q3 2024 Q42023 In thousands (except for TBV/share) GROWTH Total Assets(EOP) $2,581,216 $2,503,954 $2,339,093 Total Loans (EOP)$1,972,848 $1,931,362 $1,780,827 Total Deposits (EOP) $2,174,004$2,126,617 $1,937,139 Tangible Book Value/Share(1)(2) $10.81 $10.90 $9.81 PROFITABILITY Return On AverageAssets (ROAA) (3) 1.08% 1.11% 0.48% Return On AverageEquity (ROAE) (3) 12.73% 13.38% 5.88% Net Interest Margin (3) 3.16%3.03% 2.65% Efficiency Ratio 55.92% 53.16% 68.27% Non-Interest Expense/Avg. Assets (3) 2.01% 1.83% 1.87% CAPITAL/CREDITTangible Common Equity/Tangible Assets (1) 8.34% 8.54%8.21% Total Risk-Based Capital (4) 13.51% 13.22% 12.78%NCO/Avg Loans (3) 0.00% 0.00% 0.00% NPA/Assets0.10% 0.11% 0.02% Allowance for Credit Losses/Loans 1.22%1.19% 1.18% (1) Non-GAAP financial measures. See reconciliationin this presentation. (2) AOCI effect on tangible book value pershare was ($2.24) for Q4 2024, ($1.94) for Q3 2024 and ($2.26)for Q4 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 $1,914$2,049 $2,083 $2,078 $2,139 $282 $323 $316 $326 $341 $1,005$1,098 $1,101 $1,085 $1,156 $50 $53 $56 $58 $51 $577 $575 $610$609 $591 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Non-interest-bearing deposits Interest-bearing checking deposits Money marketand savings Time deposits Deposit Cost (1) 5.50% 5.50% 5.50%5.00% 4.50% 2.53% 2.76% 2.64% 2.66% 2.48% Q4 2023 Q12024 Q2 2024 Q3 2024 Q4 2024 Deposit Cost Fed Funds Rate (upperbound) Commentary Average depositsincreased $61.1 million or 11.7% annualized comparedto the prior quarter and increased $225.0 million or 11.8% comparedto the fourth quarter 2023. DDA was 27.6% of total averagedeposits. The quarterly average cost of total deposits decreased 18 bps comparedto the prior quarter and 5 bps compared to the fourth quarter 2023.(1) Reflects effect of non-interest-bearing deposits. 7

LOAN PORTFOLIO Total Loans (AVG) In millions$1,699 $1,782 $1,828 $1,878 $1,959 Q4 2023 Q1 2024 Q2 2024 Q32024 Q4 2024 Loan Yields 5.79% 6.01% 6.16% 6.32% 6.25%"46 bps Q4'23 vs Q4'24" Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q42024 Commentary Average loans increased $80.3 million or 17.0%annualized compared to prior quarter and $260.0 million or 15.3%compared to the fourth quarter 2023. Loan yield decreased7 bps compared to the prior quarter and increased 46 bps comparedto the fourth quarter 2023. 8

LOAN PRODUCTION Net Loan Production Trend In millions8.00% 8.16% 8.01% 7.75% 7.14% $150 $46 $131 $91 $155 $108$157 $95 $161 $123 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024Loan production/Line changes Loan Amortization/payoffs Newloans weighted average coupon Loan Composition Trend EOP(1) In millions $948 $1,965 28% 15% 63% 58% 9% 27% Jun -20 Dec-24 Residential real estate Commercial real estate Real Estate LoansCommercial and industrial, Correspondent banks, and Consumerand other (1) Excludes deferred fees/cost. Commentary $161.3million in new loan production in the fourth quarter 2024. Weightedaverage coupon on new loans was 7.14% for fourth quarter2024, 89 bps above portfolio weighted average yield. Loan compositionshift from real estate loans to non-CRE loans further diversifiesour loan portfolio. 9

NET INTEREST MARGIN Net Interest Income/Margin (1) In thousands(except ratios) 2.65% 2.62% 2.94% 3.03% 3.16% $14,376 $15,158$17,311 $18,109 $9,358 Q4 2023 Q1 2024 Q2 2024 Q3 2024Q4 2024 Net interest income NIM Interest-Earning AssetsMix (AVG) 2% 5% 4% 3% 2% 19% 18% 19% 18% 18%79% 77% 77% 79% 80% Q4 2023 Q1 2024 Q2 2024 Q3 2024Q4 2024 Total Loans Investment Securities Cash Balances& Equivalents Commentary Net interest income increased $1.2million or 27.4% annualized compared to prior quarter and $5.0million or 34.7% compared to the fourth quarter 2023. Net interestmargin increased 13 bps compared to prior quarter and 51 bps comparedto fourth quarter 2023. NIM drivers: Proactive deposit cost reductioninitiatives. Interest-earning asset mix improved. (1) Annualized.10

INTEREST RATE SENSITIVITY Loan Portfolio RepricingProfile by Rate Type Hybrid ARM 3% Fixed Rate 41 % VariableRate 56% 28% 10% 62% Prime CMT SQFR Loan Repricing ScheduleVariable/Hybrid Rate Loans 24% 41% 12% 23% yrs.1-2 yrs. 2-3 yrs. >3 yrs. Static NII Simulation Year 1& 2 -100 -1.2$ 0.6% +100 -100 -4.6% 3.3% +100 Net interest incomechanges from base ($ in thousands and % change) 11

ASSET QUALITY Allowance for Credit Losses In thousands (exceptratios) 1.18% 1.18% 1.19% 1.19% 1.22% $21,084 $21,454 $22,230 $23,067$24,070 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Allowancefor credit losses ACL/Total loans Non-performing Loans In thousands(except ratios) 0.03% 0.03% 0.04% 0.14% 0.14% $468 $456 $758$2,725 $2,707 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Non-accrualloans Non-performing loans to total loans Commentary Allowancefor credit losses increased $1.0 million compared to prior quarter and$3.0 million compared to fourth quarter 2023. ACL coverageratio was at 1.22% as of December 31, 2024. One C&I loan for $403thousand, two consumer loans totaling $2.0 million, and one residentialreal estate loan for $314 thousand were classified as nonaccrualas of December 31, 2024. Classified Loans (1) to Total Loans0.53% 0.44% 0.45% 0.39% 0.37% Q4 2023 Q1 2024 Q2 2024 Q3 2024Q4 2024 (1) Loans classified as substandard at period end. Noloans classified doubtful at any of the dates presented. 12

LOAN PORTFOLIO MIX Loan Portfolio Mix (1) Residential realestate CRE - Owner occupied CRE - Non-owner occupied Commercialand industrial Correspondent banks Consumer and other10% 15% 10% 48% 13% 4% $1,965 MM(1) CommentaryTotal loan balance at quarter end was $1,965 million (1).Commercial Real Estate (owner occupied and non-owner occupied)was 57% or $1,128 million of the total loan portfolio(1). CRE mixis diversified and granular. Retail non-owner occupied makesup 27% of total CRE or $305.0 million. CRE Loan Mix Land/Construction3% Other 3% Retail 27% Multifamily 18% CRE - Owner Occupied18% Office 10% Warehouse 12% Hotels 9% $1,128MMAs of 12/31/24 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 $326 56% 1.59 $3.0 Multifamily $204 56%1.34 $1.7 Office $184 56% 1.85 $1.5 Warehouse $192 57% 1.72$1.6 Hotel $102 56% 2.05 $5.1 Other $83 57% 1.93 $1.7 Land/Construction$38 47% NA $2.0 (1) Balance in millions. Excludes deferredfees/cost. (2) LTV - Loan to value ratio. (3) DSCR - Debt servicecoverage ratio. 13

NON-INTEREST INCOME In thousands (except ratios) Q4 2024 Q32024 Q2 2024 Q1 2024 Q4 2023 Total service fees$2,667 $2,544 $1,977 $1,651 $1,348 Wire fees $587 $563 $557 $521$518 Swap fees $1,076 $1,285 $650 $285 $16 Other $1,004 $696$770 $845 $814 Gain (loss) on sale of securities available for sale- - 14 - (883) Gain on sale of loans held for sale 154 109 417 67105 Other income 806 785 803 746 756 Total non-interest income$3,627 $3,438 $3,211 $2,464 $1,326 Average total assets$2,544,592 $2,485,434 $2,479,222 $2,436,103 $2,268,811 Non-interest income/Average assets (1) 0.57% 0.55% 0.52%0.41% 0.23% Commentary Service fees increased $1.3 millioncompared to the fourth quarter 2023 mainly due to loan swap fees,wire fees, and loan pre-payment penalties. Gain on sale of SBA7a loans represented $154 thousand for the fourth quarter 2024.Non-interest income is 15.8% of total revenue for fourthquarter 2024 and 0.57% to average assets; both metrics are higher comparedto fourth quarter 2023. (1) Annualized. 14

NON-INTEREST EXPENSE In thousands (except ratios) Q4 2024 Q32024 Q2 2024 Q1 2024 Q4 2023 Salaries and employee benefits$7,930 $7,200 $7,353 $6,310 $6,104 Occupancy 1,337 1,341 1,2661,314 1,262 Regulatory assessments and fees 405 452 476433 412 Consulting and legal fees 552 161 263 592 642 Network andinformation technology services 494 513 479 507 552 Other operatingexpense 2,136 1,787 1,723 2,018 1,747 Total non-interestexpense $12,854 $11,454 $11,560 $11,174 $10,719 Efficiencyratio 55.92% 53.16% 56.33% 63.41% 68.27% Non-interest expense/Averageassets (1) 2.01% 1.83% 1.88% 1.84% 1.87% Full-time equivalent employees199 198 197 199 196 Commentary – Q4 2024 Vs Q3 2024 Q4’24Routine Increases: $362k Salaries and employee benefits increased$110 thousand due to merit increases and higher replacementcost of personnel. Consulting and legal expenses increased $218 thousanddue to timing of billings throughout the year. Other operatingexpense increased $104 thousand mainly due to internet banking feesand item processing expenses. Occupancy, regulatory assessmentand fees, and network and information technology had a net decreaseof $70 thousand. Q4’24 Non-Routine Increases: $1,038k Diluted EPSImpact ($0.04) Salaries and employee benefits increased $620 thousanddue to restricted stock award expense (a shorter initial vestingperiod; annual expense was recognized in two months). Legal expensesincreased $173 thousand for various items for which we expectreimbursement in coming quarters. Other operating expense increased$174 thousand related to forced-place insurance relatedto borrowers. The Company expects to receive reimbursements in coming quarters.Additionally, other operating expense increase due to $71thousand excise tax related to the Company’s stock repurchasespursuant to its previously announced

stock repurchase programs. Annualized. 15

CAPITAL Capital Ratios (1) Leverage Ratio TCE/TA (2) Tier1 Risk-Based Capital Total Risk-Based Capital AOCIIn Millions Q4 2024 9.53% 8.34% 12.28% 13.51% ($44.5) Q32024 9.34% 8.54% 12.01% 13.22% ($38.0) Q4 2023 9.28% 8.21%11.62% 12.78% ($44.3) Well-Capitalized 5.00% NA 8.00% 10.00% Commentary The Companypaid in December 2024 a cash dividend of $0.05 per shareof the Company’s Class A common stock; the aggregate distributeddividend amount was $1.0 million. The Company doubled thesize of the quarterly dividend to $0.10 per share for first quarter2025. Q4 2024 EOP common stock shares outstanding: 19,924,632.(1) Reflects the Company's regulatory capital ratios whichare provided for informational purposes only; as a small bank holdingcompany, the Company is not subject to regulatory capitalrequirements. (2) Non-GAAP financial measures. Seereconciliation in this presentation. 16

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 28% non-interest-bearing deposits (Avg.) 17

APPENDIX - NON-GAAP RECONCILIATION In thousands(except ratios) In thousands (except ratios) As of or For the ThreeMonths Ended 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023Pre-tax pre-provision ("PTPP") income: Net income Plus: Provisionincome taxes Plus: Provision tax credit losses PTPP incomePTPP return on average assets PTPP income Average assetsPIPP return on average assets Operating net income: Net income Less:Net gains (losses) on sale of securities Less: Tax effecton sale of securities Operating net income Operating PTPP income:PTPP income Less: Net gains (losses) on sale of securities OperatingPTPP income Operating PTPP return on average assets OperatingPTPP income Average assets Operating PTPP return on averageassets Operatingreturn on average assets Operating net income Averageassets Operating return on average assets Operating return on averageequity: Operating net income Average equity Operating return on averageequity S 6,904 S 6,949 S 6,209 S 4,612 S 2,721 2,197 2,213 1,967 1,426787 1,030 931 786 410 1,475 S 10,131 S 10,093 S 8,962S 6,448 S 4,983 (1) S 10,131 S 10,093 S 8,962 S 6,448 S 4,983 s 2,544,592s 2,485,434 s 2,479,222 s 2,436,103 s 2,268,811 (2) 1.58% 1.62%1.45% 1.06% 0.87% (1) S 6,904 S 6,949 S 6,209 S 4,612S 2,721 - - 14 - (883) - - (4) 224 S 6,904 S 6,949 S 6,199 S 4,612S 3,380 1) s 10,131 s 10,093 s 8,962 s 6,448 s 4,983 c 10131 c 10003 c 14 8 048 c s 448 c (883) c 2cc • • • • (1) s 10,131 s 10,093s 8,948 s 6,448 s 5,866 s 2,544,592 s 2,485,434 s 2,479,222 s 2,436,103s 2,268,811 (2) 1.58% 1.62% 1.45% 1.06% 1.03% (1) S 6,904S 6,949 S 6,199 S 4,612 S 3,380 S 2,544,592 s 2,485,434 S 2,479,222S 2,436,103 S 2,268,811 (2) 1.08% 1.11% 1.01% 0.76% 0.59%(1) • s 215,715 • s -,”9 206,641 • s 197,755 • s --- 193,092 • s 183,629(2) 12.73% 13.38% 12.61% 9.61% 7.30% OperatingRevenue:

(1) Net interest income S 19,358 S 18,109 S 17,311 S 15,158S 14,376 Non-interest income 3,627 3,438 3,211 2,464 1,326 Less:Net gains (losses) on sale of securities Operating revenuec 23 02c c 21 EA7 c 14 20 E09 c 17 £23 c (883) 1c coc — — — — —Operating Efficiency Ratio: (1) Total non-interest expenses 12,854 s 11,454 s 11,560 s 11,174 s 10,719 Operating revenueOperating efficiency ratio s 22,985 55.92% s 21,547 53.16% s20,508 56.37% s 17,622 63.41% s 16,585 64.63% (1)The Companybelieves these non-GAAP measurements are key indicators oftheongoing eamings power of the Company. (2) Annualized18

APPENDIX - NON-GAAP RECONCILIATION In thousands(except ratios and share data) As of or For the Three Months Ended12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 Tangiblebook value per common share (at period-end): (1) Total stockholders’equity $ 215.388 $ 213,916 $ 201.020 $ 195,011 $ 191,968 Less:Intangible assets Total shares issued and outstanding (at period-end):Total common shares issued and outstanding 19,924,632 19,620,63219,630,632 19,650,463 19,575,435 Tangible book value percommon share (2) S 10.81 $ 10.90 $ 10.24 $ 9.92 $ 9.81 Operatingdiluted net income per common share: (1) Operating net income3 6,904 3 6,949 3 6,199 3 4,612 3 3,380 Total weighted averagediluted shares of common stock 20,183,731 19,825,211 19,717,16719,698,258 19,573,350 Operating diluted net income per commonshare: $ 0.34 $ 0.35 $ 0.31 $ 0.23 $ 0.17 Tangible Comm on Equity/Tangible Assets (1) Tangible stockholders’equity $ 215,388 $ 213,916 $ 201,020 $ 195,011 $ 191,968 Tangibletotal assets (3) $ 2,581,216 $ 2,503,954 $ 2,458,270 $ 2,489,142$ 2,339,093 Tangible Common Equity/Tangible Assets 8.34%8.54% 8.18% 7.83% 8.21% 1. The Company believesthese non-GAAP measurements are key indicators of the ongoing earningspow er of the Company. 2. Excludes the dilutive effectif any, of shares of common stock Issuable upon exercise of outstandingstock options. 3. Since the Company has no intangible assets,tangible total assets is the same amount as total assets calculated underGAAP. 19

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 20