Feddie Strickland

Michael Rose

Will Jones

Wood Lay

Stephen Scouten

Feddie Justin Strickland

Michael Edward Rose

Woody Lay

- USCB Financial Holdings, Inc. reported a **28.6% increase in net income** to **$8.9 million** and **diluted earnings per share of $0.45** for the third quarter of 2025, compared to the third quarter of 2024.  **[1901637_0001562762-25-000260_exhibit991.htm:6]** 
- The company demonstrated strong growth with average deposits increasing by **$379.5 million (18.3%)** and average loans increasing by **$220.8 million (11.8%)** compared to the third quarter of 2024.  **[1901637_0001562762-25-000260_exhibit991.htm:6]** 
- In August 2025, USCB issued **$40.0 million** in subordinated notes, primarily using the proceeds to repurchase **2.0 million shares** of its Class A common stock, representing approximately **10%** of outstanding shares, and declared a **$0.10 per share dividend**.  **[1901637_0001562762-25-000260_exhibit991.htm:6]** **[1901637_0001562762-25-000260_exhibit991.htm:9]** 
- Profitability metrics improved, with Return on Average Assets (ROAA) at **1.27%** and Return on Average Equity (ROAE) at **15.74%** for Q3 2025, alongside a low non-performing assets to total assets (NPA/Assets) ratio of **0.05%**.  **[1901637_0001562762-25-000260_exhibit991.htm:6]**

USCB Financial Holdings, Inc. Reports Strong Q3 2025 Financial Results and Announces Capital Actions

- USCB Financial Holdings Inc. reported **record net income of $8.9 million** or **$0.45 per diluted share** for Q3 2025, marking its third consecutive quarter of record fully diluted EPS, alongside strong profitability metrics including a **Return on Average Assets of 1.27%** and a **Return on Average Equity of 15.74%**.  **[0001901637_2202481_1]** **[0001901637_2202481_2]** 
- The company achieved robust balance sheet growth, with **total assets reaching $2.8 billion**, **total deposits at $2.5 billion**, and **loans held for investment at $2.1 billion** as of September 30, 2025, reflecting significant year-over-year increases.  **[0001901637_2202481_1]** 
- Strategic capital actions included a **$40 million subordinated debt issuance** and the **repurchase of approximately 2 million shares** (10% of the company) at a weighted average price of **$17.19 per share**, contributing to a tangible book value per share of **$11.55**.  **[0001901637_2202481_1]** **[0001901637_2202481_2]** **[0001901637_2202481_5]** 
- Credit quality remained exceptionally strong, with **non-performing loans at just 0.06%** of total loans, while the company anticipates an improved Net Interest Margin (NIM) for Q4 2025 (September NIM was 3.27%) and continued loan growth.  **[0001901637_2202481_1]** **[0001901637_2202481_3]** **[0001901637_2202481_5]** **[0001901637_2202481_6]**

USCB Financial Holdings Inc. Reports Record Q3 2025 Earnings and Strategic Capital Actions

- USCB Financial Holdings, Inc. reported **record fully diluted earnings per share of $0.45** for Q3 2025, with **net income of $8.9 million**, marking the third consecutive quarter of record EPS.  **[0001901637_2202447_1]** **[0001901637_2202447_2]**  Profitability metrics were strong, with **Return on Average Assets at 1.27%** and **Return on Average Equity at 15.74%**.  **[0001901637_2202447_1]** **[0001901637_2202447_2]** 
- The company's **Net Interest Margin (NIM) expanded to 3.14%** for the quarter, with the **NIM for September 2025 reaching 3.27%**, which is anticipated as a good go-forward number for Q4 2025.  **[0001901637_2202447_1]** **[0001901637_2202447_3]** **[0001901637_2202447_8]** 
- USCB completed a **$40 million subordinated debt issuance** and used most of the proceeds to **repurchase approximately 2 million shares** at a weighted average price of **$17.19 per share**, contributing to a **tangible book value per share of $11.55**.  **[0001901637_2202447_1]** **[0001901637_2202447_2]** **[0001901637_2202447_5]** 
- The company achieved solid balance sheet growth, with **total assets reaching $2.8 billion** and **total deposits growing to $2.5 billion** as of September 30, 2025, representing year-over-year increases of 10.5% and 15.5%, respectively.  **[0001901637_2202447_1]**  **Loans held for investment grew to $2.1 billion**, up 10.3% year-over-year.  **[0001901637_2202447_1]** 
- Credit quality remained exceptionally strong, with **non-performing loans at just 0.06% of total loans**.  **[0001901637_2202447_1]** **[0001901637_2202447_5]**  The company is optimistic about its association banking vertical, projecting a potential **doubling of its book of business in the next 18 months**.  **[0001901637_2202447_8]**

USCB Financial Holdings Reports Record Q3 2025 Earnings and Strategic Capital Actions

- USCB Financial Holdings reported **record net income of $8.9 million** and **diluted earnings per share of $0.45** for Q3 2025, marking a 29% increase over the prior year.  **[0001901637_2203033_1]** **[0001901637_2203033_2]** 
- The company achieved strong profitability metrics, with a **Return on Average Assets of 1.27%** and **Return on Average Equity of 15.74%**, while maintaining an **efficiency ratio of 52.28%**.  **[0001901637_2203033_1]** **[0001901637_2203033_2]** 
- As of September 30, 2025, **total assets reached $2.8 billion**, **total deposits were $2.5 billion**, and **loans held for investment grew to $2.1 billion**, representing year-over-year increases of 10.5%, 15.5%, and 10.3% respectively.  **[0001901637_2203033_1]** 
- Strategic capital actions included a **$40 million subordinated debt issuance** and the **repurchase of approximately 2 million shares** at a weighted average price of $17.19, contributing to a tangible book value per share of $11.55.  **[0001901637_2203033_1]** **[0001901637_2203033_2]** **[0001901637_2203033_5]** 
- Credit quality remained robust, with **non-performing loans at a low 0.06% of total loans**.  **[0001901637_2203033_1]** **[0001901637_2203033_5]**  The Net Interest Margin (NIM) expanded to 3.14% for the quarter, with September's NIM at 3.27%, and the company anticipates further NIM expansion with expected rate cuts.  **[0001901637_2203033_1]** **[0001901637_2203033_3]** **[0001901637_2203033_8]**

USCB FINANCIAL HOLDINGS (USCB)