Exhibit 99.1

EARNINGS RELEASE

USCB Financial Holdings, Inc. Reports Record Fully Diluted EPS of

$0.45 for Q3 2025; ROAA of 1.27% and

ROAE of 15.74%

MIAMI, FL – October 23, 2025 – USCB Financial Holdings, Inc. (the

“Company”) (NASDAQ: USCB)

, the holding company for

U.S.

Century

Bank

(the

“Bank”),

reported

net

income

$8.9

million

$0.45

per

fully

diluted

for

the

three

months

ended

September 30, 2025, compared with net income of $6.9 million or $0.35

per fully diluted share for the same period in 2024.

“This marks

our third

consecutive

quarter of

record fully

diluted earnings

per share,

reflecting the

consistency and

resilience

of our

operating model,” said Luis de la

Aguilera, Chairman, President and CEO.

“Our profitability ratios place us among

the top performing

peers in

the industry,

while our

credit metrics

and efficiency

continue to

compare favorably

to peers. These

results reflect disciplined

execution and a continued focus on long-term value creation.”

Unless otherwise stated, all percentage

comparisons in the bullet points

below are calculated at

or for the quarter

ended September 30,

2025 compared to at or for the quarter ended September 30, 2024

and annualized where appropriate.

Profitability

•

Annualized return on average assets for the quarter

ended September 30, 2025 was 1.27%

compared to 1.11% for the third

quarter

of 2024.

•

Annualized return on average stockholders’ equity for the quarter ended September

30, 2025 was 15.74% compared to 13.38% for

the third quarter of 2024.

•

The efficiency ratio for the quarter ended September 30,

2025 was 52.28% compared to 53.16% for the third quarter of 2024.

•

Net interest margin for the quarter ended September 30, 2025

was 3.14%

compared to 3.03% for the third quarter of 2024.

•

Net interest income

before provision for

credit losses was

$21.3 million for

the quarter ended

September 30, 2025, an

increase of

$3.2 million or 17.5% compared to $18.1 million for the same period in 2024.

Balance Sheet

•

Total

assets

were

$2.8

billion

September 30,

2025,

representing

increase

$264.0 million

10.5%

from

$2.5

billion

September 30, 2024.

•

Total loans held for investment were

$2.1 billion at September 30, 2025, representing an increase of $199.6 million or 10.3% from

$1.9 billion at September 30, 2024.

•

Total

deposits were

$2.5 billion at

September 30, 2025,

representing an

increase of

$329.0 million or

15.5% from

$2.1 billion

September 30, 2024.

•

Total stockholders’ equity was $209.1

million at September 30, 2025, representing a decrease of $4.8 million or 2.3% from $213.9

million

September 30,

2024.

Total

stockholders’

equity

included

accumulated

other

comprehensive

loss

$37.8

million

September 30, 2025 compared to accumulated other comprehensive loss of

$38.0 million at September 30, 2024.

•

On August 14, 2025, the

Company entered into a Subordinated

Note Purchase Agreement with certain qualified

institutional buyers

pursuant to

which the

Company sold

and issued

$40.0 million

in aggregate

principal amount

of its

7.625% fixed-to-floating

rate

subordinated notes due August 15, 2035 in a private placement transaction. This transaction was conducted under the provisions of

Regulation D promulgated under the Securities Act 1933. The subordinated notes were issued by the Company to the purchasers at

a price equal to 100% of their face amount.

Asset Quality

•

The allowance

for credit

losses (“ACL”)

increased by

$1.9 million

to $25.0 million

at September 30,

2025 from

$23.1 million

September 30, 2024.

•

The ACL represented 1.17% of total loans at September 30, 2025

and 1.19% at September 30, 2024.

•

The provision for credit loss was $105 thousand for the quarter

ended September 30, 2025, a decrease of $826 thousand compared

to $931 thousand for the same period in 2024.

•

The

ratio

non-performing

loans

total

loans

was

0.06%

September 30,

2025

and

0.14%

September 30,

2024.

Non-

performing loans totaled $1.3 million at September 30, 2025 and

$2.7 million at September 30, 2024.

Non-interest Income and Non-interest Expense

•

Non-interest

income was

$3.7

million

for

the

three

months

ended September 30,

2025,

increase

$246

thousand

7.2%

compared to $3.4 million for the same period in 2024.

•

Non-interest

expense

was

$13.0 million

for

the

three

months

ended

September 30,

2025,

increase

$1.6

million

13.9%

compared to $11.5 million for the same period

in 2024.

Capital

•

On August 14, 2025, the Company entered into a

Subordinated Note Purchase Agreement pursuant to which the Company sold and

issued an aggregate of $40.0 million of

subordinated notes. The majority of the proceeds

were used to repurchase 2.0 million

of Class A common

stock from certain institutional

shareholders through a privately

negotiated transaction,

at a weighted average

price per

share of $17.19.

The aggregate

purchase price

for these transactions

was approximately

$34.4 million.

The repurchases

were supplemental and not

part of the

Company’s two previously announced stock repurchase

programs. As of September

30, 2025,

528,309 shares remain authorized for repurchase under the Company’s

two share repurchase programs.

•

On October 20,

2025, the Company’s

Board of Directors

declared a quarterly

cash dividend of

$0.10 per share

of the Company’s

Class

common

stock.

The

dividend

will

paid

December

2025

shareholders

record

the

business

November 14, 2025.

•

As of

September 30, 2025,

total risk-based

capital ratios

for the

Company and

the Bank

were 14.20%

and 13.93%,

respectively,

well in excess of regulatory requirements.

•

Tangible

book value

per common

share (a

non-GAAP measure)

was $11.55

at September 30,

2025, representing

an increase

$0.65 or 5.9% from $10.90 at September 30, 2024.

At September 30, 2025, tangible book value per common

share was negatively

affected by ($2.09) per share due to an accumulated other comprehensive loss of $37.8 million mostly due to

changes in the market

value of the Company’s available for sale securities. At September 30,

2024, tangible book value per common

share was negatively

affected by ($1.94) per share due to an

accumulated other comprehensive loss of $38.0 million. The

increases in the per share effect

of the accumulated other comprehensive loss reflected the reduction in the number of shares of Class A common stock outstanding

as a result of the share repurchases conducted in September 2025.

Conference Call and Webcast

The Company will host a conference call on Friday,

October 24, 2025, at 11:00 a.m. Eastern Time

to discuss the Company’s unaudited

financial results

for the quarter

ended September 30, 2025.

access the conference

call, dial (833)

816-1416 (U.S. toll-free)

and ask

to join the USCB Financial Holdings Call.

Additionally,

interested

parties can

listen to

a live

webcast

of the

call in

the “Investor

Relations” section

of the

Company’s

website

at www.uscentury.com

An archived version of the webcast will be available in the same location shortly after

the live call has ended.

About USCB Financial Holdings, Inc.

USCB Financial Holdings, Inc.

is the bank holding company for

U.S. Century Bank. Established in 2002,

U.S. Century Bank is one of

the largest

community banks

headquartered

in Miami,

and one

of the

largest community

banks in

the State

of Florida.

U.S. Century

Bank is rated 5-Stars by BauerFinancial, the nation’s leading independent

bank rating firm. U.S. Century Bank offers customers a wide

range of

financial products

and services

and supports

numerous community

organizations,

including

the Greater

Miami Chamber

Commerce, the South Florida Hispanic Chamber of Commerce, and ChamberSouth. For more information about us

or to find a banking

center near you, please call (305) 715-5200 or visit www.uscentury.com.

Forward-Looking Statements

This earnings release

may contain statements

that are not

historical in nature

and are intended

to be, and

are hereby identified

as, forward-

looking

statements

for

purposes

the

safe

harbor

provided

Section

21E

the

Securities

Exchange

Act

1934,

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,” “seek,” “continue,” and “intend,”, the negative of these terms, as well as

other similar words

and expressions of

the future, are

intended to identify

forward-looking statements. These forward-looking statements

include, but are not limited

to, statements related to our

projected growth, anticipated future financial

performance, and management’s

long-term performance goals, as well as statements

relating to the anticipated effects on our results of

operations and financial condition

from expected or

potential developments or events,

or business and

growth strategies, including anticipated internal

growth and potential

balance sheet restructuring.

These forward-looking statements involve significant risks and uncertainties that could cause our actual

results to differ materially from

those anticipated in such statements. Potential risks and uncertainties include,

but are not limited to:

•

the strength of the United States economy in general and 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

accuracy

our

financial

statement

estimates

and

assumptions,

including

the

estimates

used

for

our

credit

loss

reserve

and

deferred tax asset valuation allowance;

•

the efficiency and effectiveness of our internal

control procedures and processes;

•

our ability to comply with

the extensive laws and

regulations to which we are

subject, including the laws for

each jurisdiction where

we operate;

•

adverse changes or conditions in capital and financial markets, including

actual or potential stresses in the banking industry;

•

deposit attrition and the level of our uninsured deposits;

•

legislative or regulatory changes,

including the enactment of the

Big Beautiful Bill and changes

in accounting principles, policies,

practices or guidelines, including the on-going effects of

the Current Expected Credit Losses (“CECL”) standard;

•

the

lack

significantly

diversified

loan

portfolio

and

our

concentration

the

South

Florida

market,

including

the

risks

geographic,

depositor,

and

industry

concentrations,

including

our

concentration

loans

secured

real

estate,

particular,

commercial real estate;

•

the effects of climate change;

•

the concentration of ownership of our common stock;

•

fluctuations in the price of our common stock;

•

our ability to

fund or access

the capital markets

at attractive rates

and terms and

manage our growth,

both organic

growth as well

as growth through other means, such as future acquisitions;

•

inflation, interest rate, unemployment rate, and market and monetary

fluctuations;

•

the effects of potential new or increased tariffs,

retaliatory tariffs and trade restrictions;

•

the impact of international hostilities and geopolitical events;

•

increased competition

and its effect

on the pricing

of our products

and services as

well as our

interest rate spread

and net interest

margin;

•

the loss 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

•

other risks described in this earnings release and other filings we make with the

Securities and Exchange Commission (“SEC”).

All forward-looking

statements are

necessarily only

estimates of

future results,

and there

can be

no assurance

that actual

results 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 this

earnings release are

made only as

of the date

hereof, and we

undertake no obligation

to update or revise any forward-looking statement to reflect events

or circumstances after the date on which the statements are made

to reflect the occurrence of unanticipated

events, unless required to do

so under the federal securities laws.

You

should also review the

risk factors described in the reports the Company has filed or will file with the

SEC.

Non-GAAP Financial Measures

This earnings release

includes financial information determined

by methods other

than in accordance

with generally accepted

accounting

principles (“GAAP”). This financial

information includes certain

operating performance measures. Management

has included these non-

GAAP

measures

because

believes

these

measures

may

provide

useful

supplemental

information

for

evaluating

the

Company’s

operations and

underlying performance

trends. Further,

management uses these

measures in

managing and

evaluating the Company’s

business and intends to refer to

them in discussions about our operations

and performance. Operating performance

measures should be

viewed

addition

to,

and

not

alternative

substitute

for,

measures

determined

accordance

with

GAAP,

and

are

not

necessarily

comparable

non-GAAP

measures

that

may

presented

other

companies.

Reconciliations

these

non-GAAP

measures

the most

directly

comparable

GAAP measures

can be

found

in the

‘Non-GAAP

Reconciliation

Tables’

included

in the

exhibits to this earnings release.

All numbers included in this press release are unaudited unless otherwise noted.

Contacts:

Investor Relations

InvestorRelations@uscentury.com

Media Relations

Martha Guerra-Kattou

MGuerra@uscentury.com

USCB FINANCIAL HOLDINGS, INC.

CONSOLIDATED STATEMENTS

OF INCOME (UNAUDITED)

(Dollars in thousands, except per share data)

Three Months Ended September 30,

Nine Months Ended September 30,

2025

2024

2025

2024

Interest income:

Loans, including fees

32,866

29,819

95,057

84,479

Investment securities

3,522

2,754

9,978

8,634

Interest-bearing deposits in financial institutions

1,332

989

2,817

3,953

Total interest income

37,720

33,562

107,852

97,066

Interest expense:

Interest-bearing checking deposits

286

411

909

1,171

Savings and money market deposits

10,343

10,064

29,088

30,529

Time deposits

5,036

3,391

13,297

9,907

FHLB advances

377

1,587

2,731

4,881

Subordinated notes

404

Total interest expense

16,446

15,453

46,429

46,488

Net interest income before provision for credit losses

21,274

18,109

61,423

50,578

Provision for credit losses

105

931

1,817

2,127

Net interest income after provision for credit losses

21,169

17,178

59,606

48,451

Non-interest income:

Service fees

2,661

2,544

7,394

6,172

(Loss) gain on sale of securities available for sale, net

(28)

Gain on sale of loans held for sale, net

128

109

804

593

Other non-interest income

923

785

2,600

2,334

Total non-interest income

3,684

3,438

10,770

9,113

Non-interest expense:

Salaries and employee benefits

7,909

7,200

23,499

20,863

Occupancy

1,382

1,341

4,003

3,921

Regulatory assessments and fees

377

452

1,194

1,361

Consulting and legal fees

585

161

1,041

1,016

Network and information technology services

656

513

1,725

1,499

Other operating expense

2,139

1,787

6,272

5,528

Total non-interest expense

13,048

11,454

37,734

34,188

Net income before income tax expense

11,805

9,162

32,642

23,376

Income tax expense

2,866

2,213

7,905

5,606

Net income

8,939

6,949

24,737

17,770

Per share information:

Net income per common share, basic

0.46

0.35

1.25

0.90

Net income per common share, diluted

0.45

0.35

1.23

0.90

Cash dividends declared

0.10

0.05

0.30

0.15

Weighted average shares outstanding:

Common shares, basic

19,524,798

19,621,447

19,866,514

19,653,103

Common shares, diluted

19,755,820

19,825,211

20,106,050

19,761,242

USCB FINANCIAL HOLDINGS, INC.

SELECTED FINANCIAL DATA (UNAUDITED)

(Dollars in thousands, except per share data)

As of or For the Three Months Ended

9/30/2025

6/30/2025

3/31/2025

12/31/2024

9/30/2024

Income statement data:

Net interest income before provision for credit losses

21,274

21,034

19,115

19,358

18,109

Provision for credit losses

105

1,031

681

1,030

931

Net interest income after provision for credit losses

21,169

20,003

18,434

18,328

17,178

Service fees

2,661

2,402

2,331

2,667

2,544

Loss on sale of securities available for sale, net

(28)

Gain on sale of loans held for sale, net

128

151

525

154

109

Other non-interest income

923

817

860

806

785

Total non-interest income

3,684

3,370

3,716

3,627

3,438

Salaries and employee benefits

7,909

7,954

7,636

7,930

7,200

Occupancy

1,382

1,337

1,284

1,337

1,341

Regulatory assessments and fees

377

396

421

405

452

Consulting and legal fees

585

263

193

552

161

Network and information technology services

656

564

505

494

513

Other operating expense

2,139

2,120

2,013

2,136

1,787

Total non-interest expense

13,048

12,634

12,052

12,854

11,454

Net income before income tax expense

11,805

10,739

10,098

9,101

9,162

Income tax expense

2,866

2,599

2,440

2,197

2,213

Net income

8,939

8,140

7,658

6,904

6,949

Per share information:

Net income per common share, basic

0.46

0.41

0.38

0.35

Net income per common share, diluted

0.45

0.40

0.38

0.34

0.35

Cash dividends declared

0.10

0.05

Balance sheet data (at period-end):

Cash and cash equivalents

56,811

54,819

97,984

77,035

38,486

Securities available-for-sale

324,179

285,382

275,139

260,221

259,527

Securities held-to-maturity

156,365

158,740

161,790

164,694

167,001

Total securities

480,544

444,122

436,929

424,915

426,528

Loans held for investment

(1)

2,130,966

2,113,318

2,036,212

1,972,848

1,931,362

Allowance for credit losses

(24,964)

(24,933)

(24,740)

(24,070)

(23,067)

Total assets

2,767,945

2,719,474

2,677,382

2,581,216

2,503,954

Non-interest-bearing demand deposits

584,240

584,895

605,489

575,159

637,313

Interest-bearing deposits

1,871,374

1,750,766

1,704,080

1,598,845

1,489,304

Total deposits

2,455,614

2,335,661

2,309,569

2,174,004

2,126,617

FHLB advances

11,000

108,000

163,000

118,000

Subordinated notes

39,262

Total liabilities

2,558,850

2,487,891

2,452,294

2,365,828

2,290,038

Total stockholders' equity

209,095

231,583

225,088

215,388

213,916

Capital ratios:

(2)

Leverage ratio

8.47%

9.72%

9.61%

9.53%

9.34%

Common equity tier 1 capital

11.17%

12.52%

12.48%

12.28%

12.01%

Tier 1 risk-based capital

11.17%

12.52%

12.48%

12.28%

12.01%

Total risk-based capital

14.20%

13.73%

13.72%

13.51%

13.22%

(1)

Loan amounts include deferred fees/costs.

(2)

Reflects the Company's regulatory capital ratios which

are provided for informational purposes only; as a small

bank holding company, the Company is not subject

to regulatory capital requirements. The Bank's total risk-based

capital at September 30, 2025 was 13.93%.

USCB FINANCIAL HOLDINGS, INC.

AVERAGE BALANCES, RATIOS, AND OTHER DATA

(UNAUDITED)

(Dollars in thousands)

As of or For the Three Months Ended

9/30/2025

6/30/2025

3/31/2025

12/31/2024

9/30/2024

Average balance sheet data:

Cash and cash equivalents

139,389

71,388

82,610

56,937

87,937

Securities available-for-sale

299,892

281,840

265,154

255,786

244,882

Securities held-to-maturity

157,702

160,443

163,510

165,831

168,632

Total securities

457,594

442,283

428,664

421,617

413,514

Loans held for investment

(1)

2,099,043

2,057,445

1,986,856

1,958,566

1,878,230

Total assets

2,798,115

2,677,198

2,606,593

2,544,592

2,485,434

Interest-bearing deposits

1,887,545

1,710,568

1,652,147

1,547,789

1,468,067

Non-interest-bearing demand deposits

569,522

580,121

563,040

590,829

609,456

Total deposits

2,457,067

2,290,689

2,215,187

2,138,618

2,077,523

FHLB advances

40,065

116,527

138,944

151,804

156,043

Subordinated notes

26,029

Total liabilities

2,572,799

2,448,706

2,387,088

2,328,877

2,278,793

Total stockholders' equity

225,316

228,492

219,505

215,715

206,641

Performance ratios:

Return on average assets

(2)

1.27%

1.22%

1.19%

1.08%

1.11%

Return on average equity

(2)

15.74%

14.29%

14.15%

12.73%

13.38%

Net interest margin

(2)

3.14%

3.28%

3.10%

3.16%

3.03%

Non-interest income to average assets

(2)

0.52%

0.50%

0.58%

0.57%

0.55%

Non-interest expense to average assets

(2)

1.85%

1.89%

1.88%

2.01%

1.83%

Efficiency ratio

(3)

52.28%

51.77%

52.79%

55.92%

53.16%

Loans by type (at period end):

(4)

Residential real estate

316,557

307,020

301,164

289,961

283,477

Commercial real estate

1,226,121

1,206,621

1,150,129

1,136,417

1,095,112

Commercial and industrial

269,430

263,966

256,326

258,311

246,539

Correspondent banks

104,598

110,155

103,026

82,438

103,815

Consumer and other

207,939

218,426

218,711

198,091

198,604

Asset quality data:

Allowance for credit losses to total loans

1.17%

1.18%

1.22%

1.19%

Allowance for credit losses to non-performing loans

1906%

1825%

595%

889%

846%

Total non-performing loans

(5)

1,310

1,366

4,156

2,707

2,725

Non-performing loans to total loans

0.06%

0.20%

0.14%

Non-performing assets to total assets

(5)

0.05%

0.16%

0.10%

0.11%

Net charge-offs (recoveries of) to average loans

(2)

(0.00)%

0.14%

0.00%

(0.00)%

Net charge-offs (recovery) of credit losses

(4)

702

(11)

(6)

Interest rates and yields:

(2)

Loans held for investment

6.21%

6.23%

6.17%

6.25%

6.32%

Investment securities

3.03%

3.06%

2.81%

2.63%

2.61%

Total interest-earning assets

5.56%

5.64%

5.51%

5.57%

5.61%

Deposits

(6)

2.53%

2.46%

2.49%

2.48%

2.66%

FHLB advances

3.73%

3.72%

3.71%

3.81%

4.05%

Subordinated notes

6.16%

Total interest-bearing liabilities

3.34%

3.32%

3.37%

3.47%

3.79%

Other information:

Full-time equivalent employees

206

203

201

199

198

(1)

Loan amounts include deferred fees/costs.

(2)

Annualized.

(3)

Efficiency ratio is defined as total non-interest expense divided

by sum of net interest income and total non-interest

income.

(4)

Loan amounts exclude deferred fees/costs.

(5)

The amounts for total non-performing loans and total non-performing

assets are the same at the dates presented since there was

no other real estate owned (OREO)

recorded at any of the dates presented.

(6) Reflects effect of non-interest-bearing deposits.

USCB FINANCIAL HOLDINGS, INC.

NET INTEREST MARGIN (UNAUDITED)

(Dollars in thousands)

Three Months Ended September 30,

2025

2024

Average

Balance

Interest

Yield/Rate

(1)

Average

Balance

Interest

Yield/Rate

(1)

Assets

Interest-earning assets:

Loans held for investment

(2)

2,099,043

32,866

6.21%

1,878,230

29,819

6.32%

Investment securities

(3)

461,303

3,522

3.03%

419,315

2,754

2.61%

Other interest-earning assets

130,740

1,332

4.04%

80,378

989

4.89%

Total interest-earning assets

2,691,086

37,720

5.56%

2,377,923

33,562

5.61%

Non-interest-earning assets

107,029

107,511

Total assets

2,798,115

2,485,434

Liabilities and stockholders' equity

Interest-bearing liabilities:

Interest-bearing checking deposits

47,338

286

2.40%

57,925

411

2.82%

Saving and money market deposits

1,319,862

10,343

3.11%

1,084,562

10,064

3.69%

Time deposits

520,345

5,036

3.84%

325,580

3,391

4.14%

Total interest-bearing deposits

1,887,545

15,665

3.29%

1,468,067

13,866

3.76%

FHLB advances

40,065

377

3.73%

156,043

1,587

4.05%

Subordinated notes

26,029

404

6.16%

- %

Total interest-bearing liabilities

1,953,639

16,446

3.34%

1,624,110

15,453

3.79%

Non-interest-bearing demand deposits

569,522

609,456

Other non-interest-bearing liabilities

49,638

45,227

Total liabilities

2,572,799

2,278,793

Stockholders' equity

225,316

206,641

Total liabilities and stockholders' equity

2,798,115

2,485,434

Net interest income

21,274

18,109

Net interest spread

(4)

2.22%

1.82%

Net interest margin

(5)

3.14%

3.03%

(1)

Annualized.

(2)

Average loan balances include non-accrual loans. Interest income on loans includes accretion

of deferred loan fees, net of deferred loan costs.

(3)

At fair value except for securities held to maturity. This amount includes

FHLB stock.

(4)

Net interest spread is the average yield earned on total

interest-earning assets minus the average rate paid on total interest-bearing

liabilities.

(5)

Net interest margin is the ratio of net interest income to total

interest-earning assets.

USCB FINANCIAL HOLDINGS, INC.

NON-GAAP FINANCIAL MEASURES (UNAUDITED)

(Dollars in thousands)

As of or For the Three Months Ended

9/30/2025

6/30/2025

3/31/2025

12/31/2024

9/30/2024

Pre-tax pre-provision ("PTPP") income:

(1)

Net income

8,939

8,140

7,658

6,904

6,949

Plus: Income tax expense

2,866

2,599

2,440

2,197

2,213

Plus: Provision for credit losses

105

1,031

681

1,030

931

PTPP income

11,910

11,770

10,779

10,131

10,093

PTPP return on average assets:

(1)

PTPP income

11,910

11,770

10,779

10,131

10,093

Average assets

2,798,115

2,677,198

2,606,593

2,544,592

2,485,434

PTPP return on average assets

(2)

1.69%

1.76%

1.68%

1.58%

1.62%

Operating net income:

(1)

Net income

8,939

8,140

7,658

6,904

6,949

Less: Net losses on sale of securities

(28)

Less: Tax effect on sale of securities

Operating net income

8,960

8,140

7,658

6,904

6,949

Operating PTPP income:

(1)

PTPP income

11,910

11,770

10,779

10,131

10,093

Less: Net losses on sale of securities

(28)

Operating PTPP income

11,938

11,770

10,779

10,131

10,093

Operating PTPP return on average assets:

(1)

Operating PTPP income

11,938

11,770

10,779

10,131

10,093

Average assets

2,798,115

2,677,198

2,606,593

2,544,592

2,485,434

Operating PTPP return on average assets

(2)

1.69%

1.76%

1.68%

1.58%

1.62%

Operating return on average assets:

(1)

Operating net income

8,960

8,140

7,658

6,904

6,949

Average assets

2,798,115

2,677,198

2,606,593

2,544,592

2,485,434

Operating return on average assets

(2)

1.27%

1.22%

1.19%

1.08%

1.11%

Operating return on average equity:

(1)

Operating net income

8,960

8,140

7,658

6,904

6,949

Average equity

225,316

228,492

219,505

215,715

206,641

Operating return on average equity

(2)

15.78%

14.29%

14.15%

12.73%

13.38%

Operating Revenue:

(1)

Net interest income

21,274

21,034

19,115

19,358

18,109

Non-interest income

3,684

3,370

3,716

3,627

3,438

Less: Net losses on sale of securities

(28)

Operating revenue

24,986

24,404

22,831

22,985

21,547

Operating Efficiency Ratio:

(1)

Total non-interest expense

13,048

12,634

12,052

12,854

11,454

Operating revenue

24,986

24,404

22,831

22,985

21,547

Operating efficiency ratio

52.22%

51.77%

52.79%

55.92%

53.16%

(1) The Company believes these non-GAAP measurements are

key indicators of the ongoing earnings power of the

Company.

(2)

Annualized.

USCB FINANCIAL HOLDINGS, INC.

NON-GAAP FINANCIAL MEASURES (UNAUDITED)

(Dollars in thousands, except per share data)

As of or For the Three Months Ended

9/30/2025

6/30/2025

3/31/2025

12/31/2024

9/30/2024

Tangible book value per common share (at period-end):

(1)

Total stockholders' equity

209,095

231,583

225,088

215,388

213,916

Less: Intangible assets

Tangible stockholders' equity

209,095

231,583

225,088

215,388

213,916

Total shares issued and outstanding (at period-end):

Total common shares issued and outstanding

18,107,385

20,078,385

20,048,385

19,924,632

19,620,632

Tangible book value per common share

(2)

11.55

11.53

11.23

10.81

10.90

Operating diluted net income per common share:

(1)

Operating net income

8,960

8,140

7,658

6,904

6,949

Total weighted average diluted shares of common stock

19,755,820

20,295,794

20,319,535

20,183,731

19,825,211

Operating diluted net income per common share:

0.45

0.40

0.38

0.34

0.35

Tangible Common Equity/Tangible Assets

(1)

Tangible stockholders' equity

209,095

231,583

225,088

215,388

213,916

Tangible total assets

(3)

2,767,945

2,719,474

2,677,382

2,581,216

2,503,954

Tangible Common Equity/Tangible Assets

7.55%

8.52%

8.41%

8.34%

8.54%

(1)

The Company believes these non-GAAP measurements

are key indicators of the ongoing earnings power

of the Company.

(2)

Excludes the dilutive effect, if any, of shares of common stock issuable upon exercise of outstanding

stock options.

(3) Since the Company has no intangible assets, tangible

stockholders’ equity and tangible total assets are the

same amounts as stockholders’ equity and total assets,

respectively, as calculated under GAAP.

USCB FINANCIAL HOLDINGS, INC. 8-K