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 internalcontrol procedures and processes; our ability to comply withthe extensive laws 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, commercialreal estate; the effects of climate change; the concentration ofownership of our common stock; fluctuations in the price of our commonstock; our ability to fund or access the capital marketsat attractive rates and terms and manage our growth, both organic growthas well 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 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-GAAPFinancial Measures This presentation includes financial informationdetermined by methods other than in accordance with generallyaccepted accounting principles ("GAAP"). This financial informationincludes certain operating performance measures. Managementhas included these non-GAAP financial measures becauseit believes these measures may provide useful supplemental information forevaluating the Company's expectations and underlyingperformance trends. Further, management uses these measuresin managing and evaluating the Company's business and intendsto 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 directly comparableGAAP measures can be found in the 'Non-GAAP Reconciliation Tables'included in this presentation. All numbers included in this presentationare unaudited unless otherwise noted. 2

LOCATED IN A VIBRANT ECONOMY Florida is one ofthe largest business markets in the country As of the 3rd quarter2023. Florida GDP reached $1.6 trillion, ranking as the 4th largesteconomy in the U.S. (1) As of July 2024, CNBC's rankedFlorida as the best economy among the 50 states based on economicgrowth, job growth, state finances, housing market, and foreigndirect investment In November 2023, Florida's unemployment ratewas 2.9%, ranking 9th lowest in the U.S., according to theU.S. Bureau of Labor Statistics According to the 2023 report fromthe U.S. Small Business Administration's, Florida ranks 3rd amongstates with the largest number of small businesses, estimated3.1 million According to the U.S. Census Bureau the populationpercent change , April 1, 2020 (estimates base) to July 31, 2023,was 5.0% increase. The 1 million increase in population madeFlorida the second state with highest population rate The tri-county areaof Miami-Dade, Broward and Palm Beach is the premier market withinthe state of Florida According to the U.S. Small Business Administration'slatest report, Miami-Dade MSA accounts for more than 1/3 ofsmall businesses in the state of Florida as of December 2022 Adiverse and vibrant economy Miami-Dade MSA has a rapidly growingpopulation The Miami-Dade MSA represents over 6 millionresidents and will reach close to 7 million by 2025 (2)Business-friendly tax structures, no personal income tax and a reasonablecost living attract business to Florida Amazon is searching for50,000 square feet of office space in the Miami area. FounderJeff Bezos announced that "he's moving from Seattle to Miami, toone of the hottest new influence frontiers and a rising tech hub" (3)DORAL HEADQUARTERS USAFacts Economy of Floridaas Q3 2023 Miami-Dade Beacon Council demographic overview projectionsFortune Magazine article "Jeff

Bezos Seattle to Miami" Nov 2023 5

DIVERSIFIED BUSINESS VERTICALS Differentiated BankingProduct Offerings Specialty banking products, services and solutions designedfor small/medium businesses, homeowner associations, law firms,medical practices and other professional services firms, yachtlending and global banking services Jurist Advantage $245MMDeposits Deposit aggregating focus/strategy Tailored products& services for law offices, managing partners, associates and otherstaff members Commercial deposits accounts, treasury management,commercial lending, student loan refinancing, residential loans andcredit card services Correspondent Banking $226MM Deposits/ $113MM Loans Comprehensive range of both domestic andinternational services 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 Yacht Lending $190MMLoans Yacht financing for larger vessels, transactionrange is $750k -$7.5MM. Brokered oriented business, 3 vendorapproved brokers Member of the National Marine Lenders AssociationAcquired two yacht lending portfolios in 2021 and launched thisnew vertical in 2022 Association Banking $131MM Deposits/ $116MM Loans Deposit aggregating focus/strategy Bankingfor Homeowner Associations and Property Managers Offerdeposit collection services and esoteric lending solutions ranging from insurancepremium and large capital improvementsfinancing Significant lending capacity to target large credits SBA/ Small Business Lending $45MM Loans Relationship-orientedbusiness focused on delivering fast loan commitments to small andmedium-sized enterprises Predominately small business line of creditsand CD secured loans Affordable SBA loan provider Approvedby the SBA to participate in the

Preferred Lenders Program Medical Advantage New Business Line Depositaggregating focus/strategy As a concierge-level banking service,MDAdvantage is designed to cater to the complex banking requirementsof medical professionals Offers a broad range of products andservices developed for physicians, dentists, and veterinariansBalances as of June 30, 2024. 11

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 Bank's robust risk tolerance framework Highly experiencedcompliance team with international compliance experiencefrom larger banking institutions Audit Committee consist of 4 membersresponsible for complete oversight of Company's risk managementprocess: Ramon Rodriguez (Chair), Bernardo Fernandez, Ramón Abadinand Maria Alonso Credit Philosophy Conservative credit culturethat encourages prudent and desirable loans over uncheckedgrowth Underwriting strength stems from deep understanding of U.S.Century Bank's market, long-standing relationships with clients,and disciplined process Focused on maintaining a well-diversifiedand conservative loan portfolio Robust Credit Administration Underwritinggroup supported by experienced credit officerswith both credit and lending experience Effective and independent loan

review Credit Committee meetings conduct in-depth loan portfolio monitoring,including concentration limits Active monitoring and reportingon existing or emerging concentrations and targeted reviews ofany higher risk portfolios 31

APPENDIX - NON-GAAP RECONCILIATION In thousands(except ratios) As of or For the Three Months Ended 6/30/2024 3/31/202412/31/2023 9/30/2023 6/30/2023 Pre-tax pre-provision ("PTPP")income: (1) Net income S 6,209 S 4,612 S 2,721 S 3,819 S 4,196Plus: Provision for in come taxes Plus: Provision for credit losses1,967 786 1,426 410 787 1,475 1,250 653 1,333 38 PTPP income s8,962 s 6,448 s 4,983 s 5,722 s 5,567 PTPP return on averageassets: (1) PTPP income s 8,962 s 6,448 s 4,983 s 5,722 s 5,567Average assets s 2,479,222 s 2,436,103 s 2,268,811 s 2,250,258s 2,183,542 PTPP return on average assets (2) 1.45% 1.06% 0.87%1.01% 1.02% Operatingnet income: (1) Net in come Less: Net gains (losses) on sale of securitiess 6,209 14 s 4,612 s 2,721 (883) s 3,819 (955) s 4,196 Less: Taxeffect on sale of securities Operating net income s (4) 6,199 s 4,612s 224 3,380 s 242 4,532 s 4,196 Operating PTPP income: (1)PTPP income s 8,962 s 6,448 s 4,983 s 5,722 s 5,567 Less: Net gains (losses)on sale of securities 14 - (883) (955) - Operating PTPP income s8,948 s 6,448 s 5,866 s 6,677 s 5,567 Operating PTPP return on averageassets: (1) Operating PTPP income s 8,948 s 6,448 s 5,866 s 6,677 s 5,567Average assets s 2,479,222 s 2,436,103 s 2,268,811 s 2,250,258s 2,183,542 Operating PTPP return on average assets (2) 1.45% 1.06%1.03% 1.18% 1.02% Operating PTPP return on averageassets: (1) Operating PTPP income s 8,948 s 6,448 s 5,866 s 6,677 s 5,567Average assets /o\ s 2,479,222 4 A C 0/ s 2,436,103 4 flCQ/s 2,268,811 4 AOQ/ s 2,250,258 4 A OQ/ s 2,183,542 4 A^Q/ OperatingPTPP return on average assets Operating return on averageassets: (2) (1) 1.4tr/o 1. Ut>/o i.Uo/o 1.1 O Tb 1 .\J¿Vo Operatingnet income Average assets s s 6,199 2,479,222 s s 4,612 2,436,103s s 3,380 2,268,811 s s 4,532 2,250,258 s s 4,196 2,183,542 Operatingreturn on average assets

(2) 1.01% 0.76% 0.59% 0.80% 0.77% Operating return on averageequity: (1) Operating net income s 6,199 s 4,612 s 3,380 s 4,532 s 4,196Average equity s 197,755 s 193,092 s 183,629 s 184,901 s 184,238Operating return on average equity (2) 12.61% 9.61%7.30% 9.72% 9.13% Operating Revenue: filât intûrâPT io Ahmû(1) Ç 17 711 Ç a c 1 qo Ç 14,376 1,326 s 14,022 2,161 s 14,1731,846 i4ci imeresi income Non-interest income I f I I 3,211 ID, I %>ö 2,464 Less: Net gains (losses) on sale of securities 14 -(883) (955) - Operating revenue s 20,508 s 17,622 s 16,585s 17,138 s 16,019 Operating Efficiency Ratio: (1) Total non-interestexpense s 11,560 s 11,174 s 10,719 s 10,461 s 10,452 Operatingrevenue s 20,508 s 17,622 s 16,585 s 17,138 s 16,019 Operating efficiencyratio 56.37% 63.41% 64.63% 61.04% 65.25% 1. The Companybelieves these non-GAAP measurements are key indicators ofthe ongoing earnings power of the Company. 2. Annualized.35