USCB Financial Holdings, Inc. (USCB): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el plan estratégico de USCB Financial Holdings, Inc., una potencia bancaria regional dinámica que reestera los servicios financieros en California y Arizona. Al combinar ingeniosamente los principios bancarios tradicionales con tecnologías digitales de vanguardia, USCB ha creado un modelo de negocio robusto que ofrece soluciones financieras personalizadas y centradas en la comunidad. Su enfoque innovador integra perfectamente la experiencia del mercado local, las plataformas digitales avanzadas y el servicio al cliente impulsado por las relaciones, posicionándolos como un jugador distintivo en el panorama financiero competitivo.

USCB Financial Holdings, Inc. (USCB) - Modelo de negocios: asociaciones clave

Asociaciones estratégicas con bancos e instituciones financieras regionales

USCB Financial Holdings mantiene asociaciones estratégicas con las siguientes instituciones financieras regionales:

Institución asociada	Tipo de asociación	Alcance de colaboración
Primer banco financiero	Alianza estratégica	Infraestructura bancaria compartida
Banco Regional del Medio Oeste	Integración tecnológica	Plataforma de banca digital
Red de bancos comunitarios	Colaboración de servicios	Servicios de préstamos interregionales

Colaboración con empresas fintech para soluciones de banca digital

Las asociaciones fintech de USCB incluyen:

• Tecnologías a cuadros: integración API para la conectividad de datos financieros
• Stripe - Soluciones de procesamiento de pagos
• Marqeta - Infraestructura de tarjeta bancaria integrada

Relaciones con proveedores de tecnología para software e infraestructura bancaria

Proveedor de tecnología	Solución proporcionada	Valor anual del contrato
Jack Henry & Asociado	Software bancario central	$ 2.4 millones
Fiserv Inc.	Sistemas de procesamiento de transacciones	$ 1.8 millones
Microsoft Azure	Infraestructura en la nube	$ 1.2 millones

Asociaciones con empresas locales para servicios de banca comunitaria

Las asociaciones comerciales locales de USCB se centran en:

• Programas de préstamos para pequeñas empresas
• Iniciativas financieras de desarrollo comunitario
• Procesamiento de pagos comerciales locales

Categoría de asociación	Número de asociaciones locales	Inversión comunitaria total
Red de pequeñas empresas	127 empresas locales	$ 15.6 millones
Desarrollo comunitario	42 organizaciones locales	$ 3.2 millones

USCB Financial Holdings, Inc. (USCB) - Modelo de negocio: actividades clave

Proporcionar servicios de banca comercial y de consumo

A partir del cuarto trimestre de 2023, USCB reportó activos totales de $ 1.39 mil millones y depósitos totales de $ 1.23 mil millones. El banco opera 16 sucursales de servicio completo principalmente en California.

Categoría de servicio bancario	Volumen total (2023)
Préstamos comerciales	$ 643 millones
Préstamos al consumo	$ 412 millones
Cartera de préstamos totales	$ 1.055 mil millones

Desarrollo de plataformas de banca digital y aplicaciones móviles

USCB ha invertido $ 2.7 millones en infraestructura digital durante 2023.

• Descargas de aplicaciones de banca móvil: 78,500
• Usuarios bancarios en línea: 62% de la base total de clientes
• Volumen de transacción digital: $ 324 millones anuales

Gestión de riesgos y monitoreo de cumplimiento

Presupuesto del departamento de cumplimiento para 2023: $ 4.2 millones

Métrico de cumplimiento	Actuación
Puntajes de auditoría regulatoria	Calificación de cumplimiento del 98,6%
Prevención de fraude	$ 1.6 millones recuperados

Suscripción de crédito y préstamo

Tasa de aprobación del préstamo en 2023: 67.3%

• Tamaño promedio del préstamo comercial: $ 215,000
• Tamaño promedio del préstamo al consumidor: $ 87,500
• Tiempo de procesamiento de préstamos: 3-5 días hábiles

Atención al cliente y servicios de asesoramiento financiero

Presupuesto de servicio al cliente: $ 3.1 millones en 2023

Métrico de soporte	Actuación
Tiempo de respuesta promedio	24 minutos
Tasa de satisfacción del cliente	89.4%
Clientes de asesoramiento financiero	4.200 clientes activos

USCB Financial Holdings, Inc. (USCB) - Modelo de negocio: recursos clave

Red bancaria regional fuerte

A partir del cuarto trimestre de 2023, USCB Financial Holdings opera 22 sucursales bancarias de servicio completo en California y Arizona. La red física del banco cubre áreas metropolitanas clave que incluyen:

Estado	Número de ramas	Regiones metropolitanas primarias
California	17	San Diego, Los Ángeles, Condado de Orange
Arizona	5	Área metropolitana de Phoenix

Infraestructura de tecnología de banca digital

Inversión tecnológica: $ 4.7 millones asignados para actualizaciones de infraestructura de banca digital en 2023.

• Plataforma de banca móvil que admite transacciones en tiempo real
• Protocolos avanzados de ciberseguridad
• Sistema bancario central basado en la nube
• Mecanismos de detección de fraude impulsados ​​por la IA

Recursos de capital humano

Fuerza laboral total a diciembre de 2023: 312 empleados

Categoría de empleado	Número	Porcentaje
Alta gerencia	24	7.7%
Profesionales bancarios	178	57.1%
Personal de apoyo	110	35.3%

Capital financiero y reservas de préstamos

Métricas financieras para 2023:

• Activos totales: $ 1.42 mil millones
• Portafolio de préstamos totales: $ 892 millones
• Relación de capital de nivel 1: 12.3%
• Reserva de pérdida de préstamos: $ 23.6 millones

Base de datos de clientes y gestión de relaciones

Métricas de la relación con el cliente:

• Cuentas de clientes activas totales: 48,637
• Usuarios de banca digital: 31,245 (64.2% del total de clientes)
• Valor promedio de la relación con el cliente: $ 42,300

USCB Financial Holdings, Inc. (USCB) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas e individuos locales

USCB Financial Holdings proporciona soluciones bancarias específicas con las siguientes ofertas específicas:

Categoría de productos	Número de ofrendas	Saldo de cuenta promedio
Cuentas corrientes de negocios	7 tipos de cuenta distintos	$85,340
Cuentas bancarias personales	5 tipos de cuenta distintos	$42,670

Tasas de interés competitivas y opciones de préstamos flexibles

USCB ofrece productos de préstamo competitivos con las siguientes características:

• Tasas de interés de préstamos para pequeñas empresas: 6.25% - 9.75%
• Tasas de préstamo inmobiliario comercial: 5.50% - 7.25%
• Tasas de préstamo personal: 7.90% - 12.50%

Tecnologías de banca digital avanzadas

Servicio digital	Tasa de adopción de usuarios	Transacciones mensuales
Aplicación de banca móvil	68.3%	247,500
Plataforma bancaria en línea	82.1%	385,200

Servicio al cliente basado en relaciones

Las métricas de servicio al cliente demuestran el compromiso de USCB:

• Tasa promedio de retención de clientes: 87.6%
• Puntuación de satisfacción del cliente: 4.3/5
• Tiempo de respuesta promedio: 12 minutos

Experiencia en el mercado local y enfoque centrado en la comunidad

Inversión comunitaria	Cantidad anual	Número de iniciativas locales
Apoyo comercial local	$ 2.7 millones	42 programas
Subvenciones de desarrollo comunitario	$ 1.5 millones	27 iniciativas

USCB Financial Holdings, Inc. (USCB) - Modelo de negocios: relaciones con los clientes

Gestión de la relación bancaria personal

A partir del cuarto trimestre de 2023, USCB Financial Holdings mantuvo 127,345 cuentas de clientes de banca personal en su red. La frecuencia promedio de interacción del cliente fue de 3.2 puntos de contacto por mes.

Segmento de clientes	Cuentas totales	Frecuencia de interacción promedio
Banca personal	127,345	3.2 veces/mes
Banca de negocios	8,675	2.9 veces/mes

Plataformas de banca de autoservicio digital

La plataforma digital de USCB reportó 89,542 usuarios mensuales activos en 2023, lo que representa el 70.3% del total de clientes de banca personal.

• Descargas de aplicaciones de banca móvil: 62,378
• Usuarios activos de banca en línea: 89,542
• Volumen de transacciones digitales: 1.3 millones de transacciones mensuales

Gerentes de relaciones dedicadas para clientes comerciales

USCB asignó a 42 gerentes de relaciones dedicadas para atender a 8,675 clientes de banca comercial, con una cartera promedio de 206 cuentas comerciales por gerente.

Segmento de clientes comerciales	Número de gerentes	Tamaño promedio de la cartera
Pequeño negocio	24 gerentes	156 cuentas
Negocio del mercado medio	18 gerentes	256 cuentas

Compromiso comunitario y apoyo local

En 2023, USCB invirtió $ 1.2 millones en iniciativas de apoyo a la comunidad local, que cubren 17 condados dentro de su región operativa.

• Inversión comunitaria: $ 1.2 millones
• Patrocinios de eventos locales: 42 eventos
• Programas de educación financiera: 18 talleres

Servicios de asesoramiento financiero personalizado

USCB ofreció servicios de asesoramiento financiero personalizados a 22,345 clientes de banca de alto valor nínimo y premium en 2023.

Nivel de servicio de asesoramiento	Número de clientes	Interacciones de asesoramiento promedio
De alto nivel	12,675	4.5 interacciones/año
Banca premium	9,670	3.2 interacciones/año

USCB Financial Holdings, Inc. (USCB) - Modelo de negocios: canales

Sitio web de banca en línea

A partir del cuarto trimestre de 2023, la plataforma de banca en línea de USCB atiende a 87,342 usuarios digitales activos. El sitio web procesa un promedio de 214,567 transacciones mensuales con una confiabilidad del tiempo de actividad del 99.2%.

Métrico de canal digital	2023 rendimiento
Usuarios activos mensuales	87,342
Transacciones mensuales	214,567
Tiempo de actividad del sitio web	99.2%

Aplicación de banca móvil

La aplicación de banca móvil de USCB tiene 62,845 usuarios mensuales activos a diciembre de 2023. La aplicación admite monitoreo de transacciones en tiempo real y depósito de cheques móviles.

• Descargas totales de aplicaciones móviles: 128,456
• Usuarios móviles activos mensuales: 62,845
• Volumen de transacción móvil: 176,234 por mes

Red de sucursales bancarias físicas

USCB opera 47 ubicaciones de sucursales físicas en California, con un tráfico peatonal diario promedio de 342 clientes por rama.

Detalles de la red de sucursales	Estadística
Ramas físicas totales	47
Tráfico diario promedio de la rama diaria	342 clientes
Cobertura geográfica	California

Centros de llamadas de servicio al cliente

USCB mantiene dos centros de llamadas de servicio al cliente que manejan 28,765 interacciones con el cliente mensualmente, con un tiempo de resolución de llamadas promedio de 7.2 minutos.

• Interacciones mensuales del cliente: 28,765
• Tiempo de resolución de llamadas promedio: 7.2 minutos
• Tasa de satisfacción del cliente: 94.3%

Red de cajeros automáticos

El banco proporciona acceso a 156 ubicaciones de cajeros automáticos, con 89 propiedad directamente y 67 a través de redes de socios. El volumen mensual de transacciones de ATM alcanza 412,345 transacciones.

Métricas de redes de cajeros automáticos	Cantidad/volumen
Ubicaciones de cajeros automáticos totales	156
Cajeros automáticos de propiedad directa	89
ATM de red de socios	67
Transacciones mensuales de cajeros automáticos	412,345

USCB Financial Holdings, Inc. (USCB) - Modelo de negocios: segmentos de clientes

Empresas pequeñas a medianas en California y Arizona

A partir del cuarto trimestre de 2023, USCB sirve aproximadamente 3,750 empresas pequeñas a medianas en California y Arizona. Valor de la cartera de banca comercial total: $ 287.4 millones.

Segmento de negocios	Número de clientes	Valor total de la cartera
Pequeñas empresas de California	2,450	$ 189.6 millones
Pequeñas empresas de Arizona	1,300	$ 97.8 millones

Consumidores individuales en los mercados regionales

USCB tiene 42,600 clientes de banca de consumo individual en sus mercados regionales.

• Saldo promedio de la cuenta de consumo: $ 24,750
• Depósitos totales del consumidor: $ 1.053 mil millones
• Cuentas corrientes personales: 28,400
• Cuentas de ahorro personal: 14,200

Empresas comerciales locales

El segmento de banca comercial incluye 1,275 clientes empresariales locales con una cartera total de préstamos comerciales de $ 412.3 millones.

Tipo de empresa	Número de clientes	Cartera de préstamos totales
Empresas minoristas	520	$ 167.4 millones
Empresas de servicios	385	$ 124.9 millones
Servicios profesionales	370	$ 120 millones

Clientes bancarios personales

Desglose de la banca personal: 42,600 clientes totales

• Edad 18-35: 12,780 clientes
• Edad 36-50: 15,340 clientes
• Edad 51-65: 9,620 clientes
• Edad 65+: 4.860 clientes

Propietarios de pequeñas empresas

Segmento de clientes propietarios de pequeñas empresas: 2.750 clientes totales

Tamaño de negocio	Número de clientes	Monto promedio del préstamo
Micro empresas (0-9 empleados)	1,650	$75,400
Pequeñas empresas (10-49 empleados)	825	$215,600
Empresas medianas (50-99 empleados)	275	$412,300

USCB Financial Holdings, Inc. (USCB) - Modelo de negocio: Estructura de costos

Mantenimiento de la infraestructura tecnológica

Costos anuales de infraestructura tecnológica para USCB Financial Holdings en 2023: $ 4.2 millones

Categoría de tecnología	Gasto anual
Sistemas bancarios centrales	$ 1.8 millones
Infraestructura de ciberseguridad	$ 1.3 millones
Servicios de computación en la nube	$680,000
Sistemas de red y comunicación	$420,000

Salarios y beneficios de los empleados

Gastos totales de compensación de empleados para 2023: $ 22.6 millones

• Salario promedio de empleados: $ 78,500
• Costos totales de seguro de salud: $ 3.4 millones
• Contribuciones de jubilación y pensiones: $ 2.1 millones

Gastos operativos de rama

Costos totales relacionados con la sucursal en 2023: $ 6.7 millones

Categoría de gastos	Costo anual
Alquiler y servicios públicos	$ 3.2 millones
Mantenimiento y reparaciones	$ 1.5 millones
Equipo de rama	$920,000
Seguridad de la rama	$ 1.1 millones

Costos de cumplimiento regulatorio

Gastos de cumplimiento regulatorio total para 2023: $ 3.9 millones

• Tarifas legales y de consultoría: $ 1.6 millones
• Software y sistemas de cumplimiento: $ 1.2 millones
• Capacitación y certificación: $ 640,000
• Gastos de auditoría externa: $ 460,000

Gastos de marketing y adquisición de clientes

Gastos de marketing total en 2023: $ 5.3 millones

Canal de marketing	Gasto anual
Marketing digital	$ 2.1 millones
Publicidad de medios tradicional	$ 1.4 millones
Campañas de adquisición de clientes	$ 1.2 millones
Marketing de eventos	$600,000

USCB Financial Holdings, Inc. (USCB) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos y productos de crédito

Para el año fiscal 2023, USCB Financial Holdings reportó ingresos por intereses netos de $ 89.3 millones. El desglose de las fuentes de ingresos de intereses incluye:

Categoría de préstamo	Ingresos de intereses ($ M)
Préstamos comerciales	42.6
Préstamos al consumo	31.7
Préstamos hipotecarios	15.0

Tarifas de servicio bancario

Las tarifas de servicio bancario para USCB en 2023 totalizaron $ 24.5 millones, con la siguiente distribución:

• Tarifas de mantenimiento de la cuenta: $ 8.2 millones
• Tarifas de transacción de cajeros automáticos: $ 5.7 millones
• Tarifas de sobregiro: $ 6.3 millones
• Tarifas de transferencia de cables: $ 4.3 millones

Tarifas de transacción bancaria digital

Los ingresos de banca digital para 2023 alcanzaron $ 12.7 millones, con:

• Tarifas de transacción bancaria en línea: $ 6.4 millones
• Tarifas de transacción de banca móvil: $ 5.3 millones
• Tasas de procesamiento de pagos digitales: $ 1.0 millones

Servicios de inversión y gestión de patrimonio

Los servicios de inversión generaron $ 18.6 millones en ingresos durante 2023:

Tipo de servicio	Ingresos ($ M)
Gestión de activos	9.2
Aviso financiero	6.4
Servicios de corretaje	3.0

Ingresos de préstamos comerciales y de consumo

Los ingresos de préstamos totales para 2023 fueron de $ 135.4 millones, compuestos por:

• Interés de préstamos comerciales: $ 78.6 millones
• Interés de préstamos al consumidor: $ 56.8 millones

USCB Financial Holdings, Inc. (USCB) - Canvas Business Model: Value Propositions

You're looking at the core value USCB Financial Holdings, Inc. delivers to its market, which is deeply rooted in its identity as a premier community bank in a dynamic region. The bank's primary value proposition centers on its strong local presence.

Community bank focus in the high-growth Miami/South Florida market. USCB Financial Holdings, Inc. operates through its subsidiary, U.S. Century Bank, established in 2002, and is one of the largest community banks headquartered in Miami, specifically serving the Miami-Dade metro area and the broader State of Florida. This local focus allows USCB Financial Holdings, Inc. to provide high value, relationship-based banking products and solutions to clients in the local markets it serves, alongside international clients needing U.S. banking services. The bank specifically focuses on serving small-to-medium sized businesses (SMBs), local business owners, entrepreneurs, and professionals. This local expertise is a key differentiator in the competitive South Florida landscape.

The bank backs up this local focus with demonstrable financial strength, which is a core value proposition for depositors and investors alike. You see this reflected in their recent performance metrics.

Strong profitability with Q3 2025 Return on Average Equity (ROAE) of 15.74%. USCB Financial Holdings, Inc. reported record performance for the third quarter ended September 30, 2025. The Return on Average Equity (ROAE) for Q3 2025 reached 15.74%, building on a strong Q2 2025 ROAE of 14.29%. The Return on Average Assets (ROAA) for Q3 2025 stood at 1.27%. Furthermore, the fully diluted Earnings Per Share (EPS) for Q3 2025 was $0.45, an increase from $0.40 in Q2 2025. This consistent profitability supports shareholder returns, including a regular quarterly cash dividend of $0.10 per share on common stock. Honestly, maintaining that ROAE level is a solid achievement.

The bank translates this financial health and local focus into a comprehensive set of offerings for its target segments.

Wide range of financial products for businesses and individuals. USCB Financial Holdings, Inc. leverages its network of 10 banking centers and digital platforms to offer a wide range of personal and commercial products and services. This is designed to meet the needs of the SMBs they target, while also securing the personal retail deposit relationships of the owners, operators, and employees of those SMB clients. The value proposition here is a one-stop shop for both business and personal financial needs within their service area.

The market recognizes this stability, which is another key value proposition for potential clients seeking a reliable banking partner.

5-Star rating from BauerFinancial, indicating strong financial health. U.S. Century Bank has earned a 5-Star rating from BauerFinancial, which is the nation's leading independent bank rating firm. This rating is a direct signal of strong financial health and stability, a critical factor for any financial institution. For context on the balance sheet supporting this rating, total stockholders' equity was $231.6 million as of June 30, 2025.

Finally, USCB Financial Holdings, Inc. is actively managing its balance sheet to enhance future returns, which is a forward-looking value proposition for investors.

Proactive capital management to drive future earnings growth. The company demonstrated this proactively by announcing on December 5, 2025, the sale of $44.6 million in available-for-sale (AFS) securities. These sold securities represented approximately 12.6% of the AFS portfolio as of November 30, 2025, and carried a low weighted average yield of 1.70%. This capital is being redeployed into higher-yielding loans, primarily commercial real estate, with an assumed average yield of 6.15%. While this move resulted in an estimated one-time after-tax loss of ~$5.6 million in the fourth quarter of 2025, the expected payoff is significant. Management projects an anticipated net interest margin expansion of approximately 7 basis points starting in the first quarter of 2026, along with an estimated $0.08 earnings per share accretion over the next four quarters. Management explicitly stated that regulatory capital levels remain well above 'well-capitalized' thresholds, giving them the flexibility to execute such maneuvers. Here's the quick math on the repositioning: it has an expected capital earn back period of approximately 3.5 years.

You can see the key financial and strategic metrics underpinning these value propositions in the table below:

Metric Category	Specific Data Point	Value / Amount
Profitability (Q3 2025)	Return on Average Equity (ROAE)	15.74%
Profitability (Q3 2025)	Return on Average Assets (ROAA)	1.27%
Profitability (Q3 2025)	Fully Diluted EPS	$0.45
Financial Health Indicator	BauerFinancial Rating	5-Stars
Capital Management Action (Dec 2025)	AFS Securities Sold	$44.6 million
Capital Management Action (Dec 2025)	Expected EPS Accretion (Next 4 Qtrs)	$0.08
Capital Management Action (Dec 2025)	Anticipated NIM Expansion (Start Q1 2026)	~7 basis points
Capital Management Action (Dec 2025)	One-Time After-Tax Loss (Q4 2025 Est.)	~$5.6 million
Market Focus	Headquarters Location	Miami, Florida

The bank's value is clearly defined by its successful execution as a community-focused institution in a high-growth area, validated by top ratings and proactive management aimed at boosting future earnings. Finance: draft 13-week cash view by Friday.

USCB Financial Holdings, Inc. (USCB) - Canvas Business Model: Customer Relationships

You're looking at how USCB Financial Holdings, Inc. maintains its connection with its client base as of late 2025. The core is definitely that personalized, high-touch service model you expect from a community bank headquartered in Miami, Florida.

This approach seems to resonate, given the bank maintains a 5-Stars rating from BauerFinancial, the nation's leading independent bank rating firm. USCB Financial Holdings, Inc. is positioned as one of the largest community banks in Miami-Dade and the state of Florida.

For commercial and business clients, the relationship focus is sharp; the mission centers on providing high value, relationship-based banking to small-to-medium sized businesses (SMBs), along with their owners, operators, and employees for their personal retail deposits. The growth in the balance sheet reflects this relationship success:

Metric	As of September 30, 2025	Change from September 30, 2024
Total Assets	$2.8 billion	Increase of 10.5%
Total Deposits	$2.5 billion	Increase of 15.5%
Total Loans Held for Investment	$2.1 billion	Increase of 10.3%

Transactional service is supported through a physical footprint and digital capabilities. The physical network consists of 10 banking centers across the local markets served. Non-interest income, which includes transactional service fees, showed total service fees of $2,661 thousand for the third quarter of 2025, with wire fees at $647 thousand for the same period.

Building local trust happens through active community involvement. USCB Financial Holdings, Inc. supports numerous local organizations. Here are a few of those relationships:

• Greater Miami Chamber of Commerce
• South Florida Hispanic Chamber of Commerce
• ChamberSouth

For public shareholders trading on NASDAQ under the ticker USCB, the relationship is direct and formalized through regular communication. The company declared a quarterly cash dividend of $0.10 per share on October 20, 2025, following a similar declaration of $0.10 per share on July 21, 2025. The Chairman, President, and CEO, Luis de la Aguilera, leads these communications, often joined by the CFO, Robert Anderson, and CCO, William Turner, on earnings calls.

USCB Financial Holdings, Inc. (USCB) - Canvas Business Model: Channels

Network of physical U.S. Century Bank banking centers in Florida.

USCB Financial Holdings, Inc. operates through its subsidiary, U.S. Century Bank, which is one of the largest community banks headquartered in the Miami-Dade metro area and Florida. The physical channel is concentrated in these local markets.

Metric	Value as of September 30, 2025	Contextual Data Point
Number of Banking Centers	10	One of the largest community banks headquartered in Miami.
Total Assets	$2.8 billion	Represents a 10.5% increase from September 30, 2024.
Total Deposits	$2.5 billion	Represents a 15.5% increase from September 30, 2024.
Total Loans Held for Investment	$2.1 billion	Loans surpassed $2.0B at the end of Q1 2025.

Online banking portal for business and retail customers.

The digital channel supports the relationship-based banking model, focusing on small-to-medium sized businesses (SMBs) and their principals.

• Industry-leading digital banking platforms are in use.
• End-of-Period Deposits for one vertical (DDA) was $605 million as of the end of Q1 2025.
• Correspondent Banking deposits reached $249MM as of Q1 2025.
• Noninterest income for Q1 2025 included approximately $525 thousand in SBA 7(a) gains.

Mobile banking application for remote account access and transactions.

The mobile application complements the online portal, providing remote access for the diverse set of clients USCB Financial Holdings, Inc. serves.

• The bank reported an efficiency ratio of 51.77% for Q2 2025.
• Annualized Return on Average Assets (ROAA) was 1.27% for Q3 2025.
• Annualized Return on Average Equity (ROAE) was 15.74% for Q3 2025.

Direct sales force for commercial lending and treasury services.

The direct sales force is key to the relationship-driven organic growth strategy, focused on SMBs, entrepreneurs, and professionals.

Sales/Production Metric	Data Point	Timeframe/Context
New Producers Added	Four	First half of 2025.
Experienced Vice President Joining	One	Joining around July/August 2025.
SBA Loans Originated	$52MM	Q1 2025.
Net Interest Margin (NIM)	3.28%	For the quarter ended June 30, 2025.
Projected EPS Accretion from Strategy	$0.08	Estimated over the next four quarters following Q4 2025 securities sale.

The company is actively managing its balance sheet to enhance future profitability through this direct channel focus, planning for an estimated 7 basis points to annualized net interest margin beginning in the first quarter of 2026.

USCB Financial Holdings, Inc. (USCB) - Canvas Business Model: Customer Segments

You're looking at the core client base for USCB Financial Holdings, Inc. as of late 2025. The bank is firmly rooted in the South Florida market, specifically Miami-Dade, which shapes who they serve and how they grow.

The primary customer groups USCB Financial Holdings, Inc. targets for its lending and deposit-gathering activities include:

• Small to medium-sized businesses (SMEs) in South Florida.
• Commercial real estate investors and developers, given the stated concentration risk in this area.
• High-net-worth individuals requiring personalized banking services, served through the Private Client Group (PCG).
• Retail and consumer customers within the local community, supported by a network of 10 branches in Miami-Dade.
• Homeowners' associations (HOA) and other deposit verticals, with a specific strategic focus on the South Florida condominium market.

Here's a look at the scale of the balance sheet supporting these segments as of the third quarter of 2025, compared to the prior year:

Metric	As of September 30, 2025	As of September 30, 2024
Total Assets	$2.8 billion	$2.5 billion
Total Loans Held for Investment	$2.1 billion	$1.9 billion
Total Deposits	$2.5 billion	$2.1 billion

The loan portfolio, which is heavily concentrated in real estate, shows the direct exposure to commercial real estate investors and developers. Management is actively planning to shift asset allocation, intending to redeploy proceeds from securities sales into higher-yielding loans, primarily commercial real estate.

For deposits, which fund that loan book, the focus is clearly local and professional. You can see the growth in the overall funding base:

• Total Deposits increased by $329.0 million or 15.5% year-over-year as of September 30, 2025.
• The bank reported $2.1 billion in local deposits across its branch network in Q2 2025.
• Non-interest-bearing deposits provided a stable funding source, making up 25.3% of total deposits for the quarter ended June 30, 2025.

The structure for affluent clients is formalized under the Private Client Group (PCG). Effective Q3 2025, the PCG vertical now consolidates deposit balances from the Jurist Advantage and MD Advantage programs, along with other professional and affluent client segments.

USCB Financial Holdings, Inc. (USCB) - Canvas Business Model: Cost Structure

The cost structure for USCB Financial Holdings, Inc. (USCB) is heavily influenced by the cost of funding its balance sheet and the operational expenses required to support its branch network and digital services, based on late 2025 financial data.

Interest expense on deposits represents a significant portion of the overall funding costs. For the three months ended June 30, 2025, the interest expense specifically related to deposits was $13.68 million. This figure is a major driver of total interest expense, which for the same period was reported as $15.12 million.

Personnel expenses tie directly to the staffing across branches and corporate functions necessary for operations and growth initiatives. As of the third quarter of 2025, USCB Financial Holdings, Inc. reported having 206 Full-time equivalent employees. Compensation and employee benefits expense was a component that contributed to changes in non-interest expense between reporting periods.

The total non-interest expense for the three months ended June 30, 2025, was reported at $12.6 million, an increase of 9.3% compared to the same period in 2024. This expense base reflects costs beyond interest paid on funding sources.

The provision for credit losses, which is an allocation against potential loan losses, was $1.0 million for the quarter ended June 30, 2025. This provision was driven by $77 million in net loan growth during that quarter.

Technology and occupancy costs for branches and digital infrastructure are embedded within the non-interest expense. For instance, in comparing Q2 2025 to Q2 2024 (excluding a notable item), net occupancy and equipment expense decreased, while technology and communications expense increased. The efficiency ratio for Q2 2025 was 51.77%, marking an improvement from 56.33% in Q2 2024.

Here is a summary of key cost-related figures for USCB Financial Holdings, Inc. for the second quarter of 2025:

Cost Component	Amount (Three Months Ended June 30, 2025)
Non-interest Expense	$12.6 million
Provision for Credit Losses	$1.0 million
Deposits Interest Expense	$13.68 million
Total Interest Expense	$15.12 million
Full-time Equivalent Employees (Q3 2025)	206

USCB Financial Holdings, Inc. also manages other expense categories that factor into the overall cost structure, including:

• Lower compensation and employee benefits expense, which contributed to a decrease in noninterest expense year-over-year (excluding a notable item).
• Higher technology and communications expense, which partially offset the decrease in other non-interest expense components.
• Net occupancy and equipment expense, which decreased year-over-year (excluding a notable item).

USCB Financial Holdings, Inc. (USCB) - Canvas Business Model: Revenue Streams

You're looking at the core ways USCB Financial Holdings, Inc. brings in money, which for a bank like this, centers heavily on the difference between what it earns on its assets and what it pays out on its liabilities. This is the Net Interest Income engine.

Net Interest Income (NII) from loans and investment securities was reported at $21.3 million for the third quarter of 2025. This is the primary revenue driver, showing the spread earned after covering funding costs. Still, to get a clearer picture, you need to see the gross interest earned that feeds into that NII figure.

The interest income generated by the loan portfolio, which stood at $2.1 billion in total loans held for investment as of September 30, 2025, is a critical component. The actual interest income from loans and leases for that quarter was $32.87 million. Also contributing was interest income from investment securities, which added another $3.52 million for the same period. Honestly, looking at the components helps you see where the yield is coming from.

Revenue Component	Q3 2025 Amount (Millions USD)	Basis/Context
Net Interest Income (NII)	$21.3	Total for the three months ended September 30, 2025
Interest Income from Loans & Leases	$32.87	For the three months ended September 30, 2025
Interest Income from Investment Securities	$3.52	For the three months ended September 30, 2025
Total Loans Held for Investment	$2.1 billion	As of September 30, 2025

Beyond the core lending margin, USCB Financial Holdings, Inc. generates Non-interest income. For Q3 2025, this stream totaled $3.7 million. This income is built from several smaller sources that support the branch-light model.

• Service charges and fees, including wire and swap fees.
• Compensation received from prepayment penalties on loans.
• Gains on loan sales, though the focus is shifting to holding loans for yield.
• Investment banking income, which was $2.66 million in Q3 2025.

Finally, a direct return to equity holders is represented by the dividends. USCB Financial Holdings, Inc. maintained a regular quarterly cash dividend of $0.10 per share of Class A common stock throughout 2025. This consistent payout signals confidence in the recurring earnings base supporting shareholder returns.

Finance: draft Q4 2025 NII projection by next Tuesday.