Regulation FD Presentation Form 8 K

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," and "intend,", the negativeof these terms, as well as other similar words and expressions of thefuture, are intended to identify forward-looking statements. These forward-looking statements include, but are not limited to, statements relatedto our projected growth, anticipated future financial performance,and management's long-term performance goals, as well as statementsrelating to the anticipated effects on our results of operations and financialcondition from expected or potential developments or events,or business and growth strategies, including anticipated internalgrowth and balance sheet restructuring. These forward-lookingstatements involve significant risks and uncertainties that could causeour actual results to differ materially from those anticipated in suchstatements. Potential risks and uncertainties include, but arenot limited to: the strength of the United States economy in generaland the strength of the local economies in which we conduct operations;our ability to successfully manage interest rate risk, credit risk,liquidity risk, and other risks inherent to our industry; the accuracyof our financial statement estimates and assumptions, including the estimatesused for our credit loss reserve and deferredtax asset valuation allowance; the efficiency and effectiveness of our internal controlprocedures and processes; our ability to comply with the extensivelaws and regulations to 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 effectiveness ofour 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 updateor revise any forward-looking statements to reflect events or circumstancesoccurring after the date on which the statements are madeor to reflect the occurrence of unanticipated events, unless requiredto do so under the federal securities laws. You should alsoreview the risk factors described in the reports USCB FinancialHoldings, Inc. filed or will file with the SEC. Non-GAAP FinancialMeasures This presentation includes financial information determinedby methods other than in accordance with generally acceptedaccounting principles ("GAAP"). This financial information includes certainoperating performance measures. Management has 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 referto them in discussions about our operations and performance. Operatingperformance measures should be viewed in addition to, and notas 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 directly comparable GAAP measures can be found in the Non-GAAP financial measuresreconciliation tables included in this presentation. All numbers includedin this presentation are unaudited unless otherwise noted. 2

DIVERSIFIED BUSINESS VERTICALS Specialty banking products,services and solutions designed for small businesses, homeownerassociations, law firms, medical practices and other professional servicesfirms, yacht lending and global banking services DifferentiatedBanking Product Offerings Jurist Advantage $246 Deposits Depositaggregating focus/strategy Tailored products & servicesfor law offices, managing partners, associates and other staffmembers Commercial deposits accounts, treasury management, commercial lending, student loan refinancing, residential loans and credit cardservices Yacht Lending 192MM Loans Yacht financingfor larger vessels, transaction range is $750 -$7.5MM.Brokered oriented business, 3 vendor approved brokers Memberof the National Marine Lenders Association Acquired two yacht lendingportfolios in 2021 and launched this new vertical in 2022 AssociationBanking $127 Deposits / $115MM loans Deposit aggregating focus/strategyBanking for Homeowner Associations and Property Managers Offerdeposit collection services and esoteric lending solutions ranging frominsurance premium and large capital improvements financingSignificant lending capacity to target large credits SBA / SmallBusiness Lending $47 Loans Medical Advantage 21MM DepositsCorrespondent Banking S250MM Deposits/$104MM Loans Relationship-orientedbusiness focused on delivering fast loan commitments tosmall and medium-sized enterprises Predominately Small business line of creditsand CD secured loans Affordable SBA loan provider Approvedby the SBA to participate in the Preferred Lenders ProgramDeposit aggregating focus/strategy As a concierge-level banking service,MDAdvantage is designed to cater to the "PP - complex banking requirementsof medical professionals. Offers a broad range ofproducts and services developed for physicians,

dentists, and veterinarians Comprehensive range of both domestic andinternational services with the latest in technology to ensurequick processing Focus on Caribbean and Latin American countriesCorrespondent banking services include letters of credit, foreign collections,wire transfers, ForEx and trade finance Balancesas of September 30, 2024. 10

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 addressingpotential risks that may exist at the enterprise, strategic, financial,operational, compliance and reporting levels) Risk managementdivision consists of four individuals covering enterprise risk management,cybersecurity, third-party risk, internal audit and loanreviews Compliance division consists of seventeen individualscovering bank secrecy, consumer compliance and investigationsBoth areas play an active role in assessing corporate risks, complianceand collaborating with management to mitigate identified risks Heightenedfocus on BSA / AML / KYC compliance due to foreign exposureIndividual country loan exposure limited to 0% - 70% of total capitalbased on individual country risk Global banking servicesoffered exclusively to institutions in countries meeting U.S.Century's robust risk tolerance framework Highly experiencedcompliance team with international compliance experiencefrom larger banking institutions Audit Committee consists of 4 membersresponsible for complete oversight of Company's risk managementprocess: Ramon Rodriguez (Chair), Bernardo Fernandez, RamónAbadin and Maria Alonso Credit Philosophy Conservative creditculture that encourages prudent and desirable loans over uncheckedgrowth Underwriting strength stems from deep understanding of U.S.Century's market, long-standing relationships with clients, and disciplinedprocess Focused on maintaining a well-diversified and conservativeloan portfolio Robust Credit Administration Underwriting groupsupported by experienced credit officers with both credit and lendingexperience Effective and independent loan review

Credit Committee meetings conduct in-depth loan portfolio monitoring,including concentration limits Active monitoring and reporting on existingor emerging concentrations and targeted reviews of any higherrisk portfolios 30

APPENDIX - NON-GAAP RECONCILIATION In thousands(except ratios) As of or For the Three Months Ended 9/30/2024 6/30/20243/31/2024 12/31/2023 9/30/2023 Pre-tax pre-provision ("PTPP")income: (1) Net income $ 6,949 $ 6,209 $ 4,612 $ 2,721 $ 3,819Plus: Provision for income tax es 2,213 1,967 1,426 787 1,250Plus: Provision for credit losses PTPP income 931 c 10 003 c 786o 062 410 c 6 449 1,475 c A 083 c 653 5 722 PTPP return on averageassets: (1) PTPP income $ 10,093 $ 8,962 $ 6,448 $ 4,983 $ 5,722 Average assets $ 2,485,434 $ 2,479,222 $ 2,436,103 $ 2,268,811 $ 2,250,258PTPP return on average assets (2) 1.62% 1.45% 1.06% 0.87% 1.01%Operating net income: (1) Net income $ 6,949 $ 6,209 $ 4,612 $2,721 $ 3,819 Less Net gains (losses) on sale of securities - 14 - (883)(955) Less: Tax effect on sale of securities Operating net incomec E 940 c (4) C 100 c 4619 224 c 3 380 c 242 A 532 - - -- --- -- Operating PTPP income: (1) PTPP income $ 10,093 $ 8,962$ 6,448 $ 4,983 $ 5,722 Less Net gains (losses) on sale ofsecurities - 14 - (883) (955) Operating PTPP income S 10,093S 8,948 S 6,448 $ 5,866 $ 6,677 Operating PTPP return on averageassets: (1) Operating PTPP income $ 10,093 $ 8,948 $ 6,448 $ 5,866$ 6,677 Average assets $ 2,485,434 $ 2,479,222 $ 2,436,103$ 2,268,811 $ 2,250,258 Operating PTPP return on averageassets (2) 1.62% 1.45% 1.06% 1.03% 1.18% Operating return on averageassets: (1) Operating net income Average assets $ 6,949$ 2 485 434 $ 6,199 $ 2 479 222 $ 4,612 $ 2 436 103 $ 3,380 $ 2 268811 $ 4,532 $ 2 250 258 , - - - - - -e Operating return on averageassets (2) 1.11% 1.01% 0.76% 0.59% 0.80% Operating return on averageequity: (1) Operating net income $ 6,949 $ 6,199 $ 4,612 $ 3,380 $4,532 Average equity $ 206,641 $ 197,755 $ 193,092 $ 183,629$ 184,901 Operating return on average equity (2)

13.38% 12.61% 9.61% 7.30% 9.72% Operating Revenue: (1) Netinterest income $ 18,109 $ 17,311 $ 15,158 $ 14,376 $ 14,022 Non-interestincome 3,438 3,211 2,464 1,326 2,161 Less: Net gains (losses) onsale of securities - 14 - (883) (955) Operating revenue S 21,547S 20,508 S 17,622 S 16,585 $ 17,138 Operating Efficiency Ratio: (1)Total non-interest expense $ 11,454 $ 11,560 $ 11,174$ 10,719 $ 10,461 Operating revenue $ 21 ,547 $ 20,508 $17,622 $ 16,585 $ 17,138 Operating efficiency ratio 53.16% 56.37%63.41% 64.63% 61.04% 1. The Company believes these non-GAAPmeasurements are key indicators of the ongoing earnings pow erof the Company. 2. Annualized. 33