Exhibit 99.1

INVESTOR PRESENTATION SECOND QUARTER 2025NASDAQ: USCB USBC FINANCIAL HOLDINGS

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 futurefinancial performance, and management’s long-term performancegoals, as well as statements relating to the anticipated effectson our results of operations and financial condition from expected or potentialdevelopments or events, or business and growth strategies, includinganticipated internal growth and balance sheet restructuring.These forward-looking statements involve significant risks and uncertaintiesthat could cause our actual results to differ materially from thoseanticipated in such statements. Potential risks and uncertainties include,but are not limited to: the strength of the United States economyin general and the strength of the local economies in which we conductoperations; our ability to successfully manage interest raterisk, creditrisk, liquidity risk, and other risks inherent to our industry; theaccuracy of our financial statement estimates and assumptions,including the estimates used for our allowance for credit lossesand 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 are subject, including the laws for each jurisdictionwhere we operate; adverse changes or conditions in the capital and financial markets, including actual or potential stresses inthe banking industry; deposit attrition and the level of our uninsureddeposits; legislative or regulatory changes and changes in accountingprinciples, policies, practices or guidelines, including theon-going effects of the implementation of the Current ExpectedCredit Losses (“CECL”) standard; the lack of a significantly diversifiedloan portfolio and our concentration in the South Florida market,including the risks of geographic, depositor, and industryconcentrations, including our concentration in loans securedby real estate, in particular, commercial real estate; the effectsof climate change; the concentration of ownership of our common stock;fluctuations in the price of our common stock; our ability to fundor access the capital markets at attractive rates and terms and manageour growth, both organic growth as well as growth through othermeans, such as future acquisitions; inflation, interest rate, unemploymentrate, and market and monetary fluctuations; the effectsof potential new or increased tariffs and trade restrictions; the impactof international hostilities and geopolitical events; increasedcompetition and its effect on the pricing of our products and services as wellas our net interest rate spread and net interest margin; theloss of key employees; the effectiveness of our risk management strategies,including operational risks, including, but not limited to, client,employee, or third-party fraud and security breaches; and otherrisks described in this presentation and other filings we make withthe Securities and Exchange Commission (“SEC”). All forward-looking statements are necessarily only estimates of future results, andthere can be no assurance that actual results will not differmaterially from

expectations. Therefore, you are cautioned not to place undue relianceon any forward-looking statements. Further, forward-looking statementsincluded 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 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 inthe 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 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 underlyingperformance trends. Further, management uses these measuresin managing and evaluating the Company’s business andintends to refer to them in discussions about our operations and performance.Operating performance measures should be viewed in additionto, and not as an alternative to or substitute for, measures determinedin accordance with GAAP, and are not necessarily comparableto non-GAAP measures that may be presented by other companies.Reconciliations of these non-GAAP measures to the most directlycomparable GAAP measures can be found in the Non-GAAP financialmeasures reconciliation tables included in this presentation. All numbersincluded in this presentation are unaudited unless otherwise noted.2

TABLE OF CONTENTS 1. Who We Are 2. GrowthStrategy 3. Review 4. Appendix 3

WE ARE A RELATIONSHIP-FIRST BANK Company OverviewFounded in 2002, U.S. Century Bank is a state-chartered bankheadquartered in South Florida. 9th largest Florida headquarteredbank by deposits in Miami Dade County as of June 30, 2024. (1) Itsholding company formed in December 2021, USCB Financial Holdings,Inc. (NASDAQ: USCB) is included in the Russell 3000 Index.The Bank conducted its initial public offering in July 2021,raising $40.0 million in equity capital. Full-service commercialbank offering products and services tailored to meet the needsof small-to-medium sized businesses, entrepreneurs and professionalsin South Florida (Miami-Dade, Broward, and Palm Beachcounties) SBA preferred lender, ranked as a top SBA 7(a)community bank lender in Miami-Dade and Broward counties 5-starBauer Financial rating ASSETS $2.7B LOANS(2) $2.1B DEPOSITS$2.3B EQUITY $232M NPA/ASSETS 0.05% TOTALRBC3) 13.73% ROAA(4) 1.22% EPS5) $0.40 For the Company as ofJune 30, 2025. Commercial Banking Focused on servicing small/medium-sizedbusinesses within branch footprint Offer relationship-focusedretail deposit products to owners and operators of SMBs Abilityfor customers to access accounts through online and mobile bankingplatforms Credit products include Asset-Based Loans, Lines ofCredit and Term Loans Provide Treasury Management servicesto clients Relationship-driven with flexible solutions tailoredto each client’s need South Florida 10 BranchesFDIC Deposit Market Share Report as of 6/30/24. (1) Loan amounts includedeferred fees/costs. (2) Company’s regulatory capital ratio whichis provided for informational purposes; the Company, as a smallbank holding company, is not subject to regulatory capitalrequirements. (3) Based on second quarter 2025. annualized. (4)Fully Diluted EPS for the quarter ended June 30,

2025. 4

LOCATED IN A VIBRANT ECONOMY Florida is one ofthe largest business markets in the country According to the U.S.Small Business Administration’s October 2024 report, Florida rankssecond among states with the largest SBA loan production (6,559loans) and third in SBA lending amount ($3.5 billion) EnterpriseFlorida reported the state had the lowest unemployment rate amongstthe top ten largest states as of November 2024; Florida continuesto maintain one of the lowest unemployment rates compared to thenational rate According to CNBC, Florida ranked #5 in 2024 for business,published July 2024 The tri-county area of Miami-Dade, Browardand Palm Beach is the premier market within the state of FloridaAccording to the U.S. Small Business Administration’s latest report,Miami-Dade MSA accounts for more than 1/3 of small businessesin the state of Florida as of December 2024 A diverseand vibrant economy Miami-Dade MSA has a rapidly growing populationThe Miami-Dade MSA represents over 6 million residents andwillreach close to 7 million by 2025 Business-friendly tax structures,no personal income tax and a reasonable cost of living attractbusiness to Florida 22 Fortune 500 companies are in Florida,with 11 in the Miami-Dade MSA as of September 2024Sources: U.S. Small Business Administration’s Office of Advocacyfor 2024, Enterprise Florida, U.S. Bureau of Labor Statistics,Fortune Magazine, CNBC, Miami-Dade Beacon Council. 5

ATTRACTIVE DEMOGRAPHICS Florida remains the statewith the highest population growth, adding nearly 1 million residentsbetween 2022 and 2024(1) 6th place GDP growth in the U.S.,160 bps above national average in 1st quarter of 2024 (2) Unemploymentrate was 3.4% compared to the national rate of 4.1% as of December2024 (3) The labor force was up 3% percent (+40,298) over the yearin May 2024 (4) 10% projected increase of Florida per Capita PersonalIncome from 2023 to 2025 (5) Palm Beach County 2.9% unemployment rate, below national average (6) Broward County 2.8%unemployment rate, below national average (6) Miami-Dade County2.2% unemployment rate, below national average (6) In Miami-DadeCounty international trade was up 29.2% in the first half 2024,trade value totaled $55 billion. (7) (1) United States CensusBureau (2) U.S. Bureau of Economic Analysis Q1 2024 (3) U.S. Bureauof Labor Statistics January 2025 (4) FloridaCommerce June PressRelease 2024 (5) Office of Economic and Demographic ResearchFlorida (6) U.S. Bureau of Labor Statistics Miami, FL, AreaEconomic Summary as of May 2024 (7) Regulatory & Economic ResourcesDepartment. Data compares 1st half 2024 vs. 1st half 2020. 6

SEASONED MANAGEMENT Luis de la Aguilera Chairman,President & CEO Previously President & CEO of TotalBank 41+years in bankingRob Anderson Chief Financial Officer Previously CFO of CapstarFinancial Holdings 19+ years in banking Bill Turner Chief Credit OfficerPreviously CCO of Interamerican Bank 36+ years in banking OscarGomez Head of Global Banking Division Previously at Regions Bank31+ years in banking Maricarmen Logroño Chief Risk OfficerPreviously at Doral Bank 21+ years in banking\ Nicholas BustleChief Lending Officer Previously at Valley Bank 36+years in banking Andres Collazo Director of Operations & ITSystems Previously at TotalBank 34+ years in banking MarthaGuerra-Kattou Director of Sales & Marketing Previously at TotalBank31+ years in banking Seasoned Management Team withLocal Banking Experience 7

ACCOMPLISHED BOARD OF DIRECTORS Luis de la AguileraChairman, President & CEO Previously President & CEO of TotalBankDirectorsince 2016 Aida Levitan Board Member President the Levitan GroupDirector since 2013 Kirk Wycoff Board Member ManagingPartner, Patriot Financial Partners, L.P. Director since2015 Howard Feinglass Board Member Managing Partner,Priam Capital Director since 2015 Ramón Abadin Board MemberPartner, Ramon A. Abadin P.A. Director since 2017Bernardo Fernandez, Jr. Board Member CEO, Baptist HealthMedical Group Director since 2017 Ramon A. Rodriguez, CPABoard Member Chairman and Chief Executive Officer Cable Insurance Director since 2022 Robert Kafafian Board Member Founder,Chairman & Chief Executive Officer The Kafafian Group,Inc. Director since 2022 Maria C. Alonso Board Member CEO andRegional Dean of Northeastern University, Miami Campus Directorsince 2022 Highly Accomplished and Aligned Board with ComplementaryTrack Records 8

OUR STRATEGY Organic Loan Growth: Take advantageof platform that we have developed post 2015 recapitalization, capitalizeon fragmented Miami-Dade MSA community banking market, andcontinue to build market share Capitalize on inherent advantagesover smaller community banks which lack our product expertise andbreadth of service Due to significant consolidation, there exists abase of potential clients that desire to partner with a bank thatis locally headquartered Team Lift-outs: Continue to bring intop tier talent to U.S. Century Bank, with teams attracted to culture,public currency and local decision making Overall growth successwill depend upon our ability to attract, retain, develop, incentivize,and reward the human capital necessary to execute growth strategyAttractive stock-based incentive compensation to attracttop tier talent Asset Purchases: Portfolio loan purchases; opportunisticto complementorganic growth initiatives Net capital can serve as dry powderto facilitate meaningfully sized portfolio acquisitions Proactivelyevaluating portfolio opportunities that are consistent with USCB’scredit philosophy Strategic Acquisitions: Become an active acquirerfor Florida banks looking to find a partner Focused on strategic,financially attractive acquisitions which support USCB’s organicgrowth strategy without compromising the risk profile Numerouspotential partners in Miami-Dade MSA that may seek liquidity USCBis positioned to offer stock consideration 9

DIVERSIFIED BUSINESS VERTICALS Differentiated BankingProduct Offerings Specialty banking products, services and solutions designedfor small businesses, homeowner associations, law firms, medicalpractices and other professional services firms, yachtlending and global banking services PCG/Jurist Advantage $221MMDeposits Deposit aggregating focus/strategy Tailored products& services for law offices, managing partners, associates andother staff members Commercial deposit accounts, treasury management, commercial lending, student loan refinancing, residentialloans and credit card services Yacht Lending $215MMLoans Yacht financing for larger vessels, transaction rangeis $750k -$7.5MM Brokered oriented business, 3 vendor approvedbrokers Member of the National Marine Lenders Association Launchedthis new vertical in 2022 Association Banking $120MM Deposits/ $112MM Loans Deposit aggregating focus/strategy Bankingfor Homeowner Associations and Property Managers Offerdeposit collection services and esoteric lending solutions ranging frominsurance premium and large capital improvements financingSignificant lending capacity to target larger credits Deposit aggregatingfocus/strategy Banking for Homeowner Associations and PropertyManagers Offer deposit collection services and esoteric lendingsolutions ranging from insurance premium and large capital improvementsfinancing Significant lending capacity to target largercredits SBA / Small Business Lending June YTD Gain on sale $686 thousandRelationship-oriented business focused on delivering fast loan commitmentsto small and medium-sized enterprises Predominately small businessline of credits and CD secured loans Affordable SBA loan providerApproved by the SBA to participate in the Preferred LendersProgram June YTD gain from sale of SBA 7a loans is $686 thousand. Medical

Advantage $21MM Deposits Deposit aggregating focus/strategy As a concierge-level banking service, MDAdvantage is designed to cater to the complexbanking requirements of medical professionals. Offers abroad range of products and services developed for physicians, dentists,and veterinarians Correspondent Banking $268MM Deposits/ $111MM Loans Comprehensive range of both domestic and internationalservices with the latest in technology to ensure quick processingFocus on Caribbean and Latin American countries Correspondentbanking services include letters of credit, foreign collections,wire transfers, ForEx and trade finance Balances as of June 30, 2025. 10

DEPOSIT AGGREGATING VERTICALS Deposits Trend(EOP) In millions $88 $229 $312 $352 $446 $492 $626 $630$16 $18 $21 $48 $129 $138 $154 $177 $200 $265 $268 $10 $38$77 $68 $97 $112 $125 $120 $30 $62 $97 $130 $172 $164 $218$221 2018 2019 2020 2021 2022 2023 2024 Q2 2025 JA/PCG HOACorresponding Banking MD Advantage Commentary As of June 30,2025, deposits totaling $630 million were associated with the verticals.Growth by vertical from 2018 to 2025: JA/PCG: $191 million. HOA:$110 million. Correspondent Banking: $220 million. MD Advantage:$21 million. 11

Q2 2025 HIGHLIGHTS GROWTH Average deposits increasedby $206.8 million or 9.9% compared to the second quarter 2024. Averageloans increased $229.0 million or 12.5% compared to the secondquarter 2024. Liquidity sources as of June 30, 2025, aggregated$727 million in on-balance sheet and off-balance sheetsources. Tangible book value per common share (a non-GAAP measure)(1) at June 30, 2025, increased $0.30 or 10.7% annualized to $11.53, comparedto $11.23 at March 31, 2025. TBV per share for June 30, 2025,included an AOCI impact of ($2.08) and at March 31, 2025 ($2.05).PROFITABILITY Net income was $8.1 million or $0.40per diluted share, an increase of $1.9 million or 31.1% compared tothe second quarter 2024. Net interest income before provision increased$3.7 million or 21.5% to $21.0 million for the quarter comparedto the second quarter 2024. ROAA was 1.22% for the second quarter2025 compared to 1.01% for the second quarter 2024. ROAE was14.29% for the second quarter 2025 compared to 12.63% for thesecond quarter 2024. Efficiency ratio improved to 51.77% duringthe second quarter 2025 compared to 56.33% for the second quarter2024. CAPITAL/CREDIT The Company’s Board of Directorsdeclared a $0.10 per share of the Company’s Class A common stockdividend on July 21, 2025. The dividend will be paid on September5, 2025, to shareholders of record at the close of business on August15, 2025. At June 30, 2025, non-performing loans totaled$1.4 million. ACL coverage ratio was 1.18% at June 30, 2025, and 1.19%at June 30, 2024. Total stockholders' equity increasedby $30.5 million or 15.2% to $231.6 million compared to June 30, 2024.(1) Non-GAAP financial measure. See reconciliation in thispresentation. 12

HISTORICAL FINANCIALS EOP for Balance Sheet amounts Loans(1) In millions $735 $2,113 2016 2017 2018 2019 2020 20212022 2023 2024 Q1 Q2 2025 2025 Deposits In millions $782$2,336 2016 2017 2018 2019 2020 2021 2022 2023 2024 Q1 Q22025 2025 Total stockholder’s equity In millions $86 $2322016 2017 2018 2019 2020 2021 2022 2023 2024 Q1 Q2 20252025 ACL/Total Loans 1.17% 1.18% 2016 2017 2018 20192020 2021 2022 2023 2024 Q1 Q2 2025 2025 Net charge-offs(recoveries) In millions ($1,019) $702 2016 2017 2018 2019 2020 20212022 2023 2024 Q1 Q2 2025 2025 Nonperforming Assets/TotalAssets 1.58% 0.05% 2016 2017 2018 2019 2020 2021 2022 20232024 Q1 Q2 2025 2025 Net Interest Income In millions $30 $702016 2017 2018 2019 2020 2021 2022 2023 2024 Q1 Q2 20252025 Efficiency Ratio 94.15% 51.77% 2016 2017 2018 20192020 2021 2022 2023 2024 Q1 Q2 2025 2025 PTPP ROAA 0.24%1.76% 2016 2017 2018 2019 2020 2021 2022 2023 2024 Q1 Q22025 2025 (1) Loan amounts include deferred fees/costs. (2)ACL was calculated under the CECL standard methodology for all periodsbeginning January 1, 2023, and the incurred loss methodologyfor all periods before. (3) Non-GAAP financial measure.See reconciliation in this presentation. 13

FINANCIAL RESULTS In thousands (except per sharedata) Q2 2025 Q1 2025 Q2 2024 Balance Sheet (EOP) Income StatementTotal Securities $444,122 $436,929 $406,050 Total Loans(1) $2,113,318 $2,036,212 $1,869,249 Total Assets $2,719,474$2,677,382 $2,458,270 Total Deposits$2,335,661 $2,309,569 $2,056,702 Total Equity (2) $231,583$225,088 $201,020 Net Interest Income $21,034 $19,115$17,311 Non-Interest Income 3,370 $3,716 $3,211 TotalRevenue (3) 24,404 $22,831 $20,522 Provision for Credit Losses 1,031$681 $786 Non-Interest Expense 12,634 $12,052 $11,560 NetIncome 8,140 $7,658 $6,209 Diluted Earning Per Share (EPS)$0.40 $0.38 $0.31 Weighted Average Diluted Shares 20,295,79420,319,535 19,717,167 14

KEY PERFORMANCE INDICATORS In thousands (exceptfor TBV/share) Q2 2025 Q1 2025 Q2 2024 GROWTH PROFITABILITYCAPITAL/CREDIT Total Assets (EOP) $2,719,474 $2,677,382$2,458,270 Total Loans (EOP) (1) $2,113,318 $2,036,212$1,869,249 Total Deposits (EOP) $2,335,661 $2,309,569$2,056,702 Tangible Book Value/Share (2)(3)$11.53 $11.23 $10.24 Return On Average Assets (ROAA) (4) 1.22%1.19% 1.01% Return On Average Equity (ROAE) (4) 14.29%14.15% 12.63% Net Interest Margin (4) 3.28% 3.10% 2.94%Efficiency Ratio 51.77% 52.79% 56.33% Non-Interest Expense/Avg.Assets (4) 1.89% 1.88% 1.88% Tangible Common Equity/TangibleAssets (2) 8.52% 8.41% 8.18% Total Risk-Based Capital(5) 13.73% 13.72% 13.12% NCO/Avg Loans (4) 0.14% 0.00%0.00% NPA/Assets 0.05% 0.16% 0.03% Allowance forCredit Losses/Loans 1.18% 1.22% 1.19% (1) Loan amounts include deferredfees/costs. (2) Non-GAAP financial measures. See reconciliation in this presentation.(3) AOCI effect on tangible book value per share was($2.08) for Q2 2025, ($2.05) for Q1 2024 and ($2.28) for Q2 2024.(4) Annualized. (5) Reflects the Company's regulatory capitalratios which are provided for informational purposes only; as asmall bank holding company, the Company is not subjectto regulatory capital requirements. 15

DEPOSIT PORTFOLIO Deposits AVG $2,083 $20,787 $2,139$2,215 $2,291 $316 $326 $341 $400 $452 $1,101 $1,085 $1,156$1,199 $1,212 $56 $58 $51 $53 $47 $610 $609 $591 $563 $580 Q22024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Non-interest-bearing depositsInterest-bearing checking deposits Money market and savingsTime deposits Deposit Cost 2.64% 3.74% 2.66% 3.76% 2.48%3.43% 2.49% 3.34% 2.46% 3.29% Q2 2024 Q3 2024 Q4 2024Q1 2025 Q2 2025 Deposit cost Interest-Bearing Deposit CostCommentary Average deposits increased $75.5 millionor 13.7% annualized compared to the prior quarter and increased$206.8 million or 9.9% compared to the second quarter 2024. DDA averagebalance increased $17.1 million or 12.2% compared to prior quarter.DDAs comprised 25.3% of total deposits for the second quarter2025. Interest-bearing deposit costs decreased 5 bps compared toprior quarter and 45 bps compared to the second quarter 2024. (1)Reflects effect of non-interest-bearing deposits. 16

LIQUIDITY EOP for Balance Sheet amounts Total Liquidity 25% 28%26% 26% 27% 10% 15% 19% 13% 18% Jun-24 Sep-24 Dec-24Mar-25 Jun-25 On Balance Sheet Liquid Assets Total LiquidityLiquid Assets: On-Balance Sheet Liquidity / Total AssetsTotal Liquidity: TotalLiquidity / Total Assets Sources of Liquidity (in millions) 6/30/2025On Balance Sheet Liquidity Cash $7 Due from banks $44 Investmentsecurities unpledged $259 Total on balance sheet liquidity (LiquidAssets) $310 Off Balance Sheet Liquidity FHLB excess capacity$237 Federal Reserve Discount Window $35 Fed Fund Lines$145 Total off balance sheet liquidity $417 Total Liquidity$727 Commentary We believe we are well positionedto weather the current economic environment. We have amplesources of liquidity, both on and off-balance sheet. Continuedgrowth of both deposits and loans maintained loan-to-deposit ratioaround 90% for the past three quarters. Loan-to-Deposit Ratio 90.9%90.8% 90.7% 88.2% 90.5% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25yy Liquidity calculation excludes vault cash reserves 17

LOAN PORTFOLIO Total Loans (AVG) 6.16% 6.32%6.25% 6.17% 6.23% $1,828 $1,878 $1,959 $1,987 $2,057 Q2 2024Q3 2024 Q4 2024 Q1 2025 Q2 2025 Loans Loan YieldsGross Total Loans (EOP) (1) $1,865 $1,928 $1,965 $2,029$2,106 $195 $199 $198 $219 $218 $112 $112 $82 $103 $110$248 $248 $258 $256 $264 $257 $283 $298 $301 $307 $1,053 $1,095$1,128 $1,150 $1,207 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q22025 Commercial real estate Residential real estate Commercialand industrial Correspondent banks Consume and other CommentaryAverage loans increased $70.6 million or 14.3% annualized comparedto prior quarter and $229.0 million or 12.5% compared to the secondquarter 2024. Loan yield increased 6 bps compared to the priorquarter and 7 bps compared to the second quarter 2024. Loan yield improved due to higher-yielding loan production in 2025 combinedwith a stable SOFR environment in Q2 2025 following ratedeclines in Q4 2024. (1) Excludes deferred fees/cost. 18

LOAN PRODUCTION Net Loan Production Trend In millions,except for ratios 8.01% 7.75% 7.14% 6.67% 7.12% $155 $108 $157$95 $161 $123 $182 $119 $187 $110 Q2 2024 Q3 2024 Q42024 Q1 2025 Q2 2025 Loan Production/Lien change Loan Amortization/payoffsNew loans weighted average coupon Loan Composition TrendEOP (1) In millions, except for ratios $948 $2,106 28% 15%63% 57% 9% 28% Jun-20 Jun-25 Residential real estate Commercialreal estate Real Estate Loans Commercial and industria, Correspondentbanks, and Consumer nad other (1) Excludes deferredfees/cost. Commentary f $369 million in gross loan production for 2025.$95 million of Q2 2025 loan production closed in June, full impacton interest income is expected to be realized in the third quarter2025. The weighted average coupon on new loans was 7.12% for thesecond quarter of 2025, 89 bps above the portfolio weighted averageyield. Continued loan composition shift from real estate loans to non-CREloans further diversifies our loan portfolio. 19

NET INTEREST MARGIN Net Interest Income/Margin (1) In thousands(except ratios) 2.94% 3.03% 3.16% 3.10% 3.28% $17,311 $18,109$19,358 $19,115 $21,034 Q2 2024 Q3 2024 Q4 2024 Q1 2025Q2 2025 Net Interest Income NIM Interest-Earning AssetsMix (AVG) 4% 3% 2% 3% 2% 19% 18% 18% 17% 18%77% 79% 80% 80% 80% Q2 2024 Q3 2024 Q4 2024 Q1 2025Q2 2025 Total Loans Investment Securities Cash Balances& Equivalents Commentary Net interest income increased$1.9 million or 40.3% annualized compared to prior quarter and increased$3.7 million or 21.5% compared to the second quarter 2024. NIMDrivers: Larger balance sheet. Higher loan yields. Higher securityyields. Lower deposit cost. $95 million of Q2 2025 loan productionclosed in June; full impact on interest income expected to be realizedin the third quarter 2025. Interest Rates and Yields Q2 2024 Q3 2024Q4 2024 Q1 2025 Q2 2025 Loans 6.16% 6.32% 6.25% 6.17% 6.23%Investment securities 2.80% 2.61% 2.63% 2.81% 3.06% Interest-earning assets 5.54% 5.61% 5.57% 5.51% 5.64% Deposits (2) 2.64%2.66% 2.48% 2.49% 2.46% Interest-bearing liabilities 3.76%3.79% 3.47% 3.37% 3.32% (1) Annualized. (2) Reflects effectsof non-interest-bearing deposits. 20

INTEREST RATE SENSITIVITY Loan Portfolio RepricingProfile by Rate Type Hybrid ARM 2% Fixed Rate 41% VariableRate 57% 30% 9% 61% Prime CMT SOFR 23% 46+% 15% 16% 0-1yrs. 1-2 yrs. 2-3 yrs. >3 yrs. Static NII Simulation Year1 & 2 2.6% -100 +100 -2.8% -100 -08% 0.3% +100 Net Interest Incomechange from base ($ in thousands and % change) 21

SECURITIES PORTFOLIO EOP for Balance Sheet amounts, inmillions Portfolio Composition 6% 30% 20% 25% 6% 6% 5%2% CMO MBS CMBS SBA Agency Municipalities Corporate BankS subordinated Debt Securities Portfolio Key Metrics Metrics as of 06/30/2025Securities Portfolio $444.1 AFS as % of portfolio 64% HTM as %of portfolio 36% Weighted Avg. Portfolio Yield 2.79 AverageLife 6.6 Mod Duration 5.2 Commentary Securities portfolio totaled$444.1 million; 64% of the portfolio is classified as AFS, while36% is classified as HTM. The modified duration is 5.2 and the averagelife is 6.6 years. Duration has increased as the result of higherrates and lower prepayments. We expect to receive $24.8 millionfrom the securities portfolio in 2025 at current rates; these cashflowswill support loan growth or debt repayment. If rates drop 100bps, we expect to receive $26.4 million. 75% of the portfolio is investedin mortgage-backed securities, boosting liquidity. EstimatedShort Term Cashflows (In millions except ratios) -100Base +100 2025 $26.4 $24.8 $23.1 2026 $59.5 $56.3 $52.7 2027 $47.8$45.8 $43.0 Total $133.7 $126.9 $118.9 SecuritiesPortfolio % 30.9% 29.4% 27.5% 22

ASSET QUALITY Allowance for Credit Losses In thousands (exceptratios) 1.19% 1.19% 1.22% 1.22% 1.18% $22,230 $23,067 $24,070 $24,740$24,933 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Allowancefor credit losses ACL/total loans Non-performing Loans In thousands(except ratios) 0.04% 0.14% 0.14% 0.20% 0.06% $758 $2,725 $2,707$4,156 $1,366 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Non-accrual loans Non-performing loans to total loans CommentaryAllowance for credit losses increased $193 thousand compared toprior quarter and $2.7 million compared to second quarter 2024.ACL coverage ratio decreased to 1.18% at June 30, 2025, primarilydue to a $709 thousand charge-off related to two consumer loansthat had been partially reserved for in Q4 2024. Asset qualitymetrics improved, with declines in classified and non-performingloans following the sale of the collaterals securing two consumer loans.Classified Loans (1) to Total Loans 0.45% 0.36% 0.37% .0.44%0.27% (1) Loans classified as substandard at period end. No loans classifieddoubtful at any of the dates presented. 23

LOAN PORTFOLIO MIX Loan Portfolio Mix (1) Residential realestate CRE-Owner occupied CRE Non-owner occupied Commercialreal estate Correspondent banks Consumer and other 10%15% 9% 48% 13% 5% $2,108 MM CRE Loan Mix Land/Construction5% Other 3% Retail 27% Multifamily 18% CRE - OwnerOccupied 16% Office 10% Warehouse 11% Hotels 10%$1,207MM As of 6/30/25 (1) Excludes deferred fees/cost(2) Includes loan types: office, warehouse, retail, and other CommentaryTotal loan balance at quarter end was $2,106 million (1).Commercial Real Estate (owner occupied and non-owner occupied)was 57.2% or $1,207 million of the total loan portfolio(1). CREmix is diversified and granular. Retail non-owner occupied makesup 27% of total CRE or $327.4 million. CRE Loan Portfolio(non-owner occupied and owner occupied) Weighted AverageLoan Type Outstanding Balance (1) LTV (2)DSCR (3) Average Loan Size (1) Retail $348 56% 1.57 $3.1 Multifamily$218 57% 1.34 $1.7 Office $183 55% 1.92 $1.6 Warehouse$188 55% 1.77 $1.5 Hotel $121 58% 2.66 $4.5 Other $79 57% 2.16$1.7 Land/Construction $70 50% NA $3.7 (1) Balance inmillions. Excludes deferred fees/cost. (2) LTV - Loanto value ratio. (3) DSCR - Debt service coverage ratio. 24

NON-INTEREST INCOME In thousands (except ratios) Q2 2025 Q12025 Q4 2024 Q3 2024 Q2 2024 Total service fees2,402 $2,331 $2,667 $2,544 $1,977 Wire fees $604 $570 $587 $563$557 Swap fees $428 $93 $1,076 $1,285 $650 Other $1,370 $1,668$1,004 $696 $770 Gain on sale of securities available for sale- - - - 14 Gain on sale of loans held for sale 151 525 154 109 417 Otherincome 817 860 806 785 803 Total non-interest income$3,370 $3,716 $3,627 $3,438 $3,211 Average total assets $2,677,198$2,606,593 $2,544,592 $2,485,434 $2,479,222 Non-interest income/Averageassets (1) 0.50% 0.58% 0.57% 0.55% 0.52% Commentary Non-interestincome decreased $346 thousand compared to prior quarter,primarily due to lower sales activity of SBA 7a loans. However,non-interest income increased by $159 thousand comparedto second quarter 2024 mainly in other service fees, due to increasedloan pre-payment penalties and title insurance fees. Gain on sale of SBA7a loans represented $151 thousand for the second quarter2025. Non-interestincome was 13.8% of total revenue for second quarter 2025 and0.50% to average assets. (1) Annualized. 25

NON-INTEREST EXPENSE In thousands (except ratios) Q2 2025 Q12025 Q4 2024 Q3 2024 Q2 2024 Salaries and employee benefits$7,954 $7,636 $7,930 $7,200 $7,353 Occupancy 1,337 1,284 1,3371,341 1,266 Regulatory assessments and fees 396 421 405452 476 Consulting and legal fees 263 193 552 161 263 Network andinformation technology services 564 505 494 513 479 Other operatingexpense 2,120 2,013 2,136 1,787 1,723 Total non-interestexpense $12,634 $12,052 $12,854 $11,454 $11,560 Efficiencyratio 51.77% 52.79% 55.92% 53.16% 56.33% Non-interest expense/Averageassets (1) 1.89% 1.88% 2.01% 1.83% 1.88% Full-time equivalent employees203 201 199 198 197 Commentary Efficiency ratio for the secondquarter of 2025 was 51.77%, the lowest since the third quarterof 2021. Salaries and employee benefits increased $318 thousand comparedto the prior quarter due to sales incentives and management bonusaccruals based on the Company’s performance in the secondquarter 2025 as compared to prior quarter. (1) Annualized. 26

CAPITAL Capital Ratios Leverage Ratio TCE/TA (2) Tier1 Risk-Based Capital Total Risk-Based Capital AOCIIn Millions Q2 2025 9.72% 8.52% 12.52% 13.73% ($41.8) Q12025 9.61% 8.41% 12.48% 13.72% ($41.1) Q2 2024 9.03% 8.18%11.93% 13.12% ($44.7) Well-Capitalized 5.00% NA8.00% 10.00% Commentary The Company paid in June 2025 a cashdividend of $0.10 per share on the Company’s Class A commonstock; the aggregate distributed dividend amount was $2.0million. AOCI was ($41.8) million or ($2.08) per share as of June30, 2025. Q2 2025 EOP common stock shares outstanding: 20,078,385.(1) Reflects the Company's regulatory capital ratios which areprovided for informational purposes only; as a small bank holding company,the Company is not subject to regulatory capital requirements.(2) Non-GAAP financial measures. See reconciliation in thispresentation. 27

TAKEAWAYS Leading franchise located inone of the most attractive banking markets in Florida and the U.S.Robust organic growth Strong asset quality, with limitedcharge-offs experienced since 2015 recapitalization Experiencedand tested management team Strong profitability, with pathway forfuture enhancement identified Core funded deposit base with25.3% non-interest-bearing deposits (AVG) in Q2 202528

APPENDIX – RISK MANAGEMENT Risk Management Philosophy andCulture Management has instilled a culture of adherenceto well-developed risk management procedures. Management is responsiblefor day-to-day risk management (identifying, evaluating, and addressingexisting and potential risks that may exist at the enterprise, strategic,financial, operational, compliance and reporting levels). Therisk management and compliance division consists of twenty-twoprofessionals covering enterprise risk management, cybersecurity,third-party risk, bank secrecy, consumer compliance, regulatory,corporate, and legal affairs. The division plays an activerole in assessing corporate risks, compliance and collaborating withmanagement to mitigate identified risks. Heightened focus on BSA / AML/ KYC compliance due to foreign exposure. Individual countryloan exposure limited to between 0% - 70% of total capital basedon individual country risk. Correspondent banking servicesoffered exclusively to institutions in countries meeting U.S. Century’srobust risk tolerance framework. Highly experiencedcompliance team with international compliance experience fromlarger banking institutions. The audit and risk committee of the boardof directors consists of four members responsible for complete oversightof Company’s risk management, compliance, and internalcontrols: Ramon Rodriguez (Chair), Bernardo Fernandez,Ramón Abadin and Maria Alonso. Credit Philosophy Conservativecredit culture that encourages prudent and desirable loans over uncheckedgrowth. Underwriting strength stems from deep understanding ofU.S. Century’s market, long-standing relationships withclients, and a disciplined underwriting and credit review process.Focused on maintaining a well-diversified and conservative loanportfolio. Robust Credit Administration Underwriting group supportedby experienced

credit officers with both credit analysis and lending experience.Effective and independent loan review. Credit Committee meetingsconduct in-depth loan portfolio monitoring, including concentrationlimits. Active monitoring and reporting on existing or emergingconcentrations and targeted reviews of any higher risk portfolios.29

APPENDIX – TECHNOLOGY SUPPORT 30

APPENDIX – TECHNOLOGY SUPPORT 31

APPENDIX - NON-GAAP RECONCILIATION In thousands(except ratios) As of or For the Three Months Ended 6/30/2025 3/31/202512/31/2024 9/30/2024 6/30/2024 Pre-tax pre-provision ("PTPP")income: (1) Net income $ 8,140 $ 7,658 $ 6,904 $ 6,949 $ 6,209Plus: Provision for income taxes 2,599 2,440 2,197 2,213 1,967 Plus:Provision for credit losses 1,031 681 1,030 931 786 PTPPincomes 11,770 s 10,779 s 10,131 s 10,093 s 8,962 PTPP return on averageassets: (1) PTPP income s 11,770 s 10,779 s 10,131 s 10,093 s 8,962Average assets $ 2,677,198 $ 2,606,593 $ 2,544,592 $ 2,485,434 $ 2,479,222 PTPP return on average assets (2) 1.76% 1.68%1.58% 1.62% 1.45% Operating net incom e: (1) Net income s8,140 s 7,658 s 6,904 s 6,949 s 6,209 Less: Net gains on sale of securities- - - - 14 Less: Tax effect on sale of securities Operatingnet income c g 140 c 7658 c 600A c E 040 c (4) C 100 - — ———— —— —— Operating PTPP income: (1) PTPPincome s 11,770s 10,779 s 10,131 s 10,093 s 8,962 Less: Net gains on sale of securities- - - - 14 Operating PTPP income s 11,770 s 10,779 s 10,1312 10,093 s 8,948 Operating PTPP return on average assets: (1)Operating PTPPincome s 11,770 $ 10,779 $ 10,131 $ 10,093$ 8,948 Average assets s 2,677,198 $ 2,606,593 $ 2,544,592$ 2,485,434 $ 2,479,222 Operating PTFP return on averageassets (2) 1.76% 1.68% 1 58% 1.62%1.45% Operating return on average assets: (1) Operating netincomes 8,140 s 7,658 s 6,904 s 6,949 s 6,199 Average assets s 2,677,198$ 2,606,593 $ 2,544,592 $ 2,485,434 $ 2,479,222 Operating returnon average assets (2) 1.22% 1.19% 1.08% 1.11% 1.01%Operating return on average equity: (1) Operating net income $ 8,140s 7,658 s 6,904 s 6,949 s 6,199 Average equity $ 228,492$ 219,505 $ 215,715 $ 206,641 $ 197,755 Operating return on averageequity (2) 14.29% 14.15% 12.73% 13.38% 12.61% Operating

Revenue: (1) Net interest income $ 21,034 s 19,115 s 19,358 s 18,109s 17,311 Non-interest income 3,370 3,716 3,627 3,438 3,211Less: Net gains on sale of securities Operating revenue c2A404 c 29 831 c 22 085 c 21 547 c 14 20 508 —— — - — - 2 -----—— 2— —— —— 2 — Operating Efficiency Ratio: (1) Total non-interestexpense $ 12,634 s 12,052 s 12,854 s 11,454 s 11,560 Operatingrevenue $ 24,404 $ 22,831 $ 22,985 $ 21,547 $ 20,508 Operatingefficiency ratio 51.77% 52.79% 55.92% 53.16% 56.37% 1. TheCompany believes these non-GAAP measurements are keyindicators of the ongoing earnings pow er of the Company. 2. Annualized.32

APPENDIX - NON-GAAP RECONCILIATION In thousands(except ratios and share data) As of or For the Three Months Ended6/30/2025 3/31/2025 12/31/2024 9/30/2024 6/30/2024 Tangiblebook value per common share (at period-end): (1) Total stockholders’equity $ 231,583 S 225,088 S 215,388 S 213,916 S 201,020 Less: Intangibleassets - - - - - Less: Preferred stock Tangible stockholders’equity $ 231,583 $ 225,088 $ 215,388 $ 213,916 $ 201,020 Totalshares issued and outstanding (at period-end): Total commonshares issued and outstanding 20.078.385 20,048,385 19,924,632 19,620,63219,630,632 Tangible book value per common share (2)S 11.53 S 11.23 $ 10.81 $ 10.90 $ 10.24 Operating diluted net incomeper common share: (1) Operating net income $ 8,140 S 7,658S 6,904 S 6,949 S 6,199 Total weighted average diluted sharesof common stock 20,295.794 20,319,535 20,183,731 19,825,21119,717,167 Operating diluted net inc ome per c ommon share: $ 0.40$0.38 $ 0.34 $ 0.35 $ 0.31 Tangible Com m on Equity/TangibleAssets Tangible stockholders’ equity (1) $ 231,583 S 225,088S 215,388 S 213,916 S 201,020 Tangible total assets (3) S 2,719,474$ 2,677,382 $ 2,581,216 $ 2,503,954 $ 2,458,270 TangibleCommon Equity/Tangible Assets 8.52% 8.41% 8.34% 8.54% 8.18%1. The Company believes these non-GAAP measurements arekey indicators of the ongoing earnings pow er of the Company. 2.Excludes the dilutive effect if any, of shares of common stock Issuableupon exercise of outstanding stock options. 3. Since the Companyhas no intangible assets, tangible total assets is the same amountas total assets calculated under GAAP. 33

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 34