USCB FINANCIAL HOLDINGS, INC.

except share and per share data)

ASSETS:

$

6,027

$

6,986

32,450

70,049

Total cash and cash equivalents

38,477

77,035

Investment securities held to maturity net of allowance

of $

and $

, respectively (fair value $

142,508

and $

145,540

, respectively)

153,941

164,694

Investment securities available for sale, at fair value

307,490

260,221

Federal Home Loan Bank stock, at cost

9,323

9,379

Loans held for investment, net of allowance of

$

25,500

and $

24,070

, respectively

11,661

10,945

Premises and equipment, net

4,247

4,563

Bank owned life insurance

59,424

53,472

Deferred tax asset, net

18,046

29,646

Lease right-of-use asset

5,519

8,451

19,655

14,032

Total assets

$

$

LIABILITIES:

Deposits:

Non-interest-bearing demand deposits

$

583,860

$

575,159

46,989

50,648

527,809

367,388

Total deposits

Federal Home Loan Bank advances

158,250

163,000

39,300

Lease liability

5,519

8,451

26,208

20,373

Total liabilities

2,574,357

2,365,828

Commitments and contingencies (See Notes 11 and 20)

(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,

2025 and 2024

18,138

19,925

Common stock - Class B Non-Voting; $

1.00

par value;

8,000,000

shares authorized;

and

outstanding as of December 31, 2025 and 2024

Additional paid-in capital on common stock

278,852

307,810

Accumulated deficit

(49,542)

Accumulated other comprehensive loss

(30,265)

Total stockholders' equity

217,183

215,388

Total liabilities and stockholders' equity

$

$