USCB FINANCIAL HOLDINGS, INC.

except share and per share data)

ASSETS:

$

6,986

$

8,019

70,049

33,043

Total cash and cash equivalents

77,035

41,062

Investment securities held to maturity net allowance of

$

and $

, respectively (fair value $

145,540

and

$

155,510

, respectively)

164,694

174,974

Investment securities available for sale, at fair value

260,221

229,329

Federal Home Loan Bank stock, at cost

9,379

10,153

Loans held for investment, net of allowance of

$

24,070

and $

21,084

, respectively

10,945

10,688

Premises and equipment, net

4,563

4,836

Bank owned life insurance

53,472

51,781

Deferred tax asset, net

29,646

37,282

Lease right-of-use asset

8,451

11,423

14,032

7,822

Total assets

$

$

LIABILITIES:

Deposits:

$

575,159

$

552,762

50,648

47,702

367,388

288,403

Total deposits

Federal Home Loan Bank advances

163,000

183,000

Lease liability

8,451

11,423

Accrued interest and other liabilities

20,373

15,563

Total liabilities

2,365,828

2,147,125

Commitments and contingencies (See Notes 10

and 19)

(nil)

(nil)

STOCKHOLDERS' EQUITY:

Preferred stock - Class C; $

1.00

1,000

52,748

shares

Preferred stock - Class D; $

1.00

5.00

12,309,480

shares

Preferred stock - Class E; $

1.00

1,000

3,185,024

shares

Common stock - Class A Voting; $

1.00

par value;

45,000,000

shares authorized;

and

issued and outstanding as of December 31,

2024 and 2023

19,925

19,575

Common stock - Class B Non-voting; $

1.00

par value;

8,000,000

shares authorized; 0 issued and 0

outstanding as of December 31, 2024 and 2023

Additional paid-in capital on common stock

307,810

305,212

Accumulated deficit

(67,813)

Accumulated other comprehensive loss

(44,534)

Total stockholders' equity

215,388

191,968

Total liabilities and stockholders' equity

$

$