Oscar Gomez
About Oscar Gomez
Oscar Gomez is Executive Vice President, Head of Global Banking Division at USCB Financial Holdings (U.S. Century Bank), a role he has held since 2007; age 71 as of April 7, 2025, with 18 years in his current role and 30+ years in international banking . He previously managed a $2 billion deposit portfolio and over $700 million in loans at Regions Bank (Miami), bringing deep correspondent and private banking expertise; he holds a bachelor’s in accounting and an MBA from Florida International University . Company performance tailwinds in 2025 include diluted EPS of $0.38 in Q1 (+65% YoY), ROA 1.19%, ROE 14.15%, NIM 3.10%, and efficiency ratio 52.79%; loans surpassed $2 billion and deposits grew 25% annualized quarter-over-quarter, reflecting disciplined execution and a strong South Florida backdrop .
Company KPIs (Context relevant to Gomez’s Global/Correspondent Banking remit)
| Metric | Q1 2025 |
|---|---|
| Diluted EPS ($) | 0.38 |
| ROA (%) | 1.19 |
| ROE (%) | 14.15 |
| NIM (%) | 3.10 |
| Efficiency Ratio (%) | 52.79 |
| End-of-period net loan growth (annualized) | 13% |
| Loans outstanding milestone | Surpassed $2B |
| Deposits growth (annualized QoQ) | 25% |
Past Roles
| Organization | Role | Years | Strategic Impact |
|---|---|---|---|
| USCB Financial Holdings / U.S. Century Bank | EVP, Head of Global Banking Division | 2007–present | Oversaw inception and growth of Global Banking; diversified deposit/loan relationships across correspondent banking |
| Regions Bank (Miami) | EVP, Global Correspondent Banking & International Private Banking | 1984–2007 | Managed $2B in deposits and $700M in loans; built cross-border banking capabilities |
External Roles
| Organization | Role/Association | Years |
|---|---|---|
| Bankers Association for Finance and Trade (BAFT) | Active involvement | Not disclosed |
| Federacion Latinoamericana de Bancos (FELABAN) | Active involvement | Not disclosed |
| Florida International Bankers Association (FIBA) | Active involvement | Not disclosed |
| United Way Leadership Group | Member | Not disclosed |
Fixed Compensation
USCB’s executive compensation program (applicable to executive officers) comprises base salary, cash bonuses, equity awards (restricted stock and legacy options), 401(k) contributions, health and welfare benefits, and perquisites, with pay targeted around peer median to 75th percentile and reviewed by the Compensation Committee .
| Element | Policy / Framework | Oscar-specific Disclosure |
|---|---|---|
| Base Salary | Targeted at or slightly above market median; reviewed annually by Compensation Committee | Not separately disclosed for Gomez in 2024–2025 proxies |
| Annual Cash Bonus | Discretionary; based on company metrics including earnings, ROA, and level of classified assets | Not separately disclosed for Gomez |
| Equity Awards | Since 2023 primarily Restricted Stock Awards; typical pro rata vesting over 3 years on grant anniversaries | Not separately disclosed for Gomez |
| Benefits & Perqs | 401(k) match; health/dental/vision; supplemental disability and life insurance; limited perquisites | Not separately disclosed for Gomez |
Performance Compensation
USCB links executive incentives to bank performance. While individual targets/weights for Gomez are not disclosed, company-level bonus metrics include earnings, ROA, and classified assets; equity awards generally vest over 3 years, aligning longer-term interests .
| Metric | Weighting | Target | Actual | Payout | Vesting |
|---|---|---|---|---|---|
| Earnings (company) | Not disclosed | Not disclosed | EPS $0.38 in Q1 2025 (+65% YoY) | Not disclosed for Gomez | RSAs typically 3-year pro rata |
| ROA (company) | Not disclosed | Not disclosed | 1.19% (Q1 2025) | Not disclosed for Gomez | RSAs typically 3-year pro rata |
| Classified Assets (level) | Not disclosed | Not disclosed | Credit metrics “benign”; NPAs 0.20% (Q1 2025), expected to improve | Not disclosed for Gomez | RSAs typically 3-year pro rata |
Equity Ownership & Alignment
- Insider trading policy prohibits pledging, margin accounts, short sales, and hedging; requires pre-clearance; restricts trading during earnings blackouts; 10b5-1 plans allowed with cooling-off period and single-plan limit .
- Compensation Recovery (Clawback) Policy effective December 1, 2023, mandates recovery of erroneously awarded incentive-based compensation for covered officers over a three-year lookback following an accounting restatement, regardless of misconduct .
- Individual beneficial ownership holdings for Gomez were not separately tabulated in the 2024 or 2025 beneficial ownership tables (which list named executive officers and directors) .
| Alignment Factor | Status |
|---|---|
| Shares pledged as collateral | Prohibited by policy |
| Hedging/derivative transactions | Prohibited by policy |
| 10b5-1 plan usage | Permitted under strict conditions; single-plan limit; cooling-off period |
| Stock ownership guidelines | Not disclosed in proxies |
| Clawback coverage | Applicable to “executive officers” as defined; recovery mandated post-restatement |
| Gomez beneficial ownership | Not separately disclosed in ownership tables |
Employment Terms
- Executive officers are appointed annually under USCB’s Amended and Restated Bylaws and serve until successors are appointed or they resign/are removed; any vacancy is filled by the Board or authorized officers .
- Specific employment agreement terms (e.g., severance, change-in-control provisions) are disclosed for the CEO and CFO, but no separate employment agreement for Gomez is disclosed in the 2024–2025 proxies .
Investment Implications
- Execution lever: Gomez’s long tenure and leadership of Global/Correspondent Banking support diversified deposit flows and short-term, relationship-rich correspondent loans that include low-cost deposits and fee income—helpful for margin resilience and liquidity management in shifting rate environments .
- Alignment: Strong governance posture—no pledging or hedging, tight trading controls, and a Dodd-Frank-compliant clawback—reduces misalignment and hedging risk; equity awards’ multi-year vesting promotes retention and long-term decision quality .
- Data gaps: Lack of disclosure on Gomez’s individual compensation package, vesting specifics, and beneficial ownership hampers granular pay-for-performance and “skin-in-the-game” analysis; monitor future proxies and any Form 4 activity for selling pressure signals and ownership evolution .
- Succession/retention watch: At age 71 with 18 years in role, Gomez’s institutional knowledge is valuable; with no disclosed severance/COC terms for him, retention economics are unclear—track employment disclosures and functional bench depth in Global Banking .