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U.S. Century Bank

Miami, FL · Cert 57369 · Uscb Financial Holdings Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

33

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

88

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

U.S. Century Bank

Miami, FL · Cert 57369 · Uscb Financial Holdings Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$3.0BAssets
$2.3BLoans
$2.5BDeposits
$263.6MEquity
Loan mix
76%RE $1.6B14%C&I $0.3B10%Consumer $0.2BQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $1.8B26%Noninterest $0.6BQ2 2025Q2 2026

NIM

5.01%Q2 ’245.15%Q2 ’255.23%Q2 ’26+15%+11%

Non-interest income vs. expense

1.74%Q2 ’241.70%Q2 ’251.77%Q2 ’26-8%+2%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.7% share · #27 of 86 inst. · $2.5B of $348.8B

1.1% Miami-Dade
0.2% Broward

Executive Summary

  • Earnings: ROA of 1.49%, up 21 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.09% of loans (+3 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.97%, up 32 bps from a year ago.
  • Funding: loans stand at 93.56% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.49%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+32 bps YoY

Efficiency Ratio (YTD, annualized)

45.85%-310 bps YoY

Tier 1 Leverage Ratio

9.97%+32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.28%1.34%1.10%1.56%1.49%+21 bps
Return on Equity15.48%16.02%12.93%17.47%16.79%+132 bps
Net Interest Margin2.96%2.91%3.00%3.20%3.28%+32 bps
Efficiency Ratio48.95%48.57%49.21%46.53%45.85%-310 bps
Non-Interest Burden1.17%1.14%1.21%1.13%1.19%+2 bps
Growth
Asset Growth (YoY)10.59%10.51%8.11%6.23%10.98%+38 bps
Loan Growth (YoY)13.06%10.33%10.97%10.06%9.89%-316 bps
Deposit Growth (YoY)13.72%15.84%8.06%8.08%5.26%-847 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.06%0.14%0.16%0.09%+3 bps
Net Charge-Offs / Loans0.07%0.04%0.03%0.00%0.02%-4 bps
Allowance / Loans1.18%1.17%1.16%1.16%1.15%-3 bps
Allowance Coverage of NPLs18.3x19.1x8.1x7.2x12.4x-5.8x
Capital
Tier 1 Leverage Ratio9.65%9.63%9.65%9.88%9.97%+32 bps
Total Risk-Based Capital13.67%13.93%13.67%13.96%13.68%+1 bps
Equity / Assets8.39%8.68%8.90%9.01%8.74%+35 bps
Liquidity & Funding
Loans / Deposits89.61%85.53%92.77%89.19%93.56%+395 bps
Liquid Assets / Assets7.55%7.35%6.68%7.82%8.17%+62 bps
CRE / Total Capitaln/a449%456%448%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

U.S. Century Bank

Miami, FL · Cert 57369 · Peer group: banks $1B-$10B in assets (n=322-328) · Uscb Financial Holdings Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$3.0BAssets
$2.3BLoans
$2.5BDeposits
$263.6MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 88% of banks $1B-$10B in assets (rank 40 of 328).
  • Widest gap: equity / assets trails 83% of banks $1B-$10B in assets (rank 271 of 328).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.43%

Rank 99 of 328

Net Interest Margin

3.28%

Rank 199 of 328

Efficiency Ratio

45.85%

Rank 40 of 328

Equity / Assets

8.74%

Rank 271 of 328

Non-interest income vs. expense

$17.0M$51.8MINCOMEEXPENSE
Unfavorable gap of $34.9M · efficiency ratio beats 88% of banks $1B-$10B in assets
Bank 45.85%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.43%0.91%1.22%1.52%Beats 70%99 / 328
Return on Equity16.31%8.43%11.45%14.43%Beats 86%45 / 328
Net Interest Margin3.28%3.03%3.45%3.83%Beats 39%199 / 328
Efficiency Ratio45.85%51.61%59.56%67.53%Beats 88%40 / 328
Asset Quality
Nonperforming Loans / Loans0.09%0.24%0.51%1.03%Beats 88%39 / 322
Net Charge-Offs / Loans0.01%0.01%0.03%0.10%Beats 69%101 / 322
Capital
Tier 1 Capital Ratio12.48%11.75%13.15%15.47%Beats 40%198 / 328
Total Risk-Based Capital Ratio13.68%12.63%14.15%16.46%Beats 43%186 / 328
Equity / Assets8.74%9.15%10.33%12.01%Beats 17%271 / 328
Liquidity & Funding
Loans / Deposits93.56%76.63%87.92%95.36%70th pctl98 / 323
Loans / Assets77.00%65.18%74.15%79.98%64th pctl117 / 328
Brokered Deposits / Depositsn/aNot reported for this institution