USCB FINANCIAL HOLDINGS Business Summary

USCB Financial Holdings, Inc. (NASDAQ: USCB) operates as the bank holding company for U.S. Century Bank, a leading community financial institution primarily serving the South Florida market. The company generates revenue through net interest income derived from a diverse loan portfolio—including commercial real estate, small business administration (SBA) loans, and consumer credit—as well as non-interest income from service charges, global banking fees, and treasury management solutions. USCB’s primary business segments are categorized into commercial and industrial lending, association banking for homeowners' associations, and a specialized global banking division catering to international clients with domestic banking needs. Positioned as a high-touch, relationship-based alternative to national conglomerates, USCB competes directly with regional players such as National Bank Holdings (NBHC), ConnectOne Bancorp (CNOB), and Origin Bancorp (OBK), maintaining a competitive edge through its deep-rooted expertise in the Hispanic-owned business sector and its status as one of the largest community banks in Florida with approximately $2.8 billion in assets. Originally established in 2002 by a group of prominent Miami business leaders including Ramon Rasco and Rodney Barreto, the company is currently led by Chairman, President, and CEO Luis de la Aguilera, a 40-year banking veteran who previously held senior leadership roles at TotalBank and Ocean Bank. The executive team includes Executive Vice President and CFO Robert Anderson, formerly of CapStar Financial Holdings, and Andres Collazo, who serves as EVP and Director of Operations and Information Technology Systems, overseeing the firm’s digital infrastructure. The company’s growth and 2021 IPO were significantly supported by institutional investors and private equity firms, most notably Patriot Financial Partners and Priam Capital. The Board of Directors features influential figures such as Lead Independent Director W. Kirk Wycoff, Howard Feinglass, and immediate past chair Aida Levitan, Ph.D., reflecting a leadership pedigree deeply integrated into the Florida financial and regulatory landscape.