USCB Financial Holdings, Inc. (USCB): Business Model Canvas [Jan-2025 Mis à jour]

Plongez dans le plan stratégique d'USCB Financial Holdings, Inc., une puissance bancaire régionale dynamique remodelant les services financiers en Californie et en Arizona. En mélangeant ingénieusement les principes bancaires traditionnels avec des technologies numériques de pointe, l'USCB a conçu un modèle commercial robuste qui fournit des solutions financières personnalisées et axées sur la communauté. Leur approche innovante intègre parfaitement l'expertise du marché local, les plateformes numériques avancées et le service client axé sur les relations, en les positionnant comme un acteur distinctif dans le paysage financier concurrentiel.

USCB Financial Holdings, Inc. (USCB) - Modèle commercial: partenariats clés

Partenariats stratégiques avec les banques régionales et les institutions financières

USCB Financial Holdings maintient des partenariats stratégiques avec les institutions financières régionales suivantes:

Institution partenaire	Type de partenariat	Portée de collaboration
Première banque financière	Alliance stratégique	Infrastructure bancaire partagée
Banque régionale du Midwest	Intégration technologique	Plate-forme bancaire numérique
Réseau de banque communautaire	Collaboration de service	Services de prêts inter-régionaux

Collaboration avec des sociétés fintech pour les solutions bancaires numériques

Les partenariats fintech de l'USCB comprennent:

• Plaid Technologies - Intégration de l'API pour la connectivité des données financières
• Stripe - Solutions de traitement des paiements
• Marqeta - infrastructure de carte bancaire intégrée

Relations avec les fournisseurs de technologies pour les logiciels bancaires et les infrastructures

Fournisseur de technologie	Solution fournie	Valeur du contrat annuel
Jack Henry & Associés	Logiciel bancaire de base	2,4 millions de dollars
Fiserv Inc.	Systèmes de traitement des transactions	1,8 million de dollars
Microsoft Azure	Infrastructure cloud	1,2 million de dollars

Partenariats avec les entreprises locales pour les services bancaires communautaires

Les partenariats commerciaux locaux de l'USCB se concentrent sur:

• Programmes de prêts aux petites entreprises
• Développement communautaire Initiatives financières
• Traitement local du paiement des marchands

Catégorie de partenariat	Nombre de partenariats locaux	Investissement total de la communauté
Réseau de petites entreprises	127 entreprises locales	15,6 millions de dollars
Développement communautaire	42 organisations locales	3,2 millions de dollars

USCB Financial Holdings, Inc. (USCB) - Modèle d'entreprise: Activités clés

Fournir des services bancaires commerciaux et grand public

Au quatrième trimestre 2023, l'USCB a déclaré un actif total de 1,39 milliard de dollars et des dépôts totaux de 1,23 milliard de dollars. La banque exploite 16 succursales à service complet principalement en Californie.

Catégorie de service bancaire	Volume total (2023)
Prêts commerciaux	643 millions de dollars
Prêts à la consommation	412 millions de dollars
Portefeuille de prêts totaux	1,055 milliard de dollars

Développement des plateformes bancaires numériques et des applications mobiles

USCB a investi 2,7 millions de dollars en infrastructure numérique en 2023.

• Téléchargements d'applications bancaires mobiles: 78 500
• Utilisateurs bancaires en ligne: 62% du total de la clientèle
• Volume de transaction numérique: 324 millions de dollars par an

Gestion des risques et surveillance de la conformité

Budget du Département de la conformité pour 2023: 4,2 millions de dollars

Métrique de conformité	Performance
Scores d'audit réglementaire	Note de conformité 98,6%
Prévention de la fraude	1,6 million de dollars récupérés

Crédit et souscription des prêts

Taux d'approbation du prêt en 2023: 67,3%

• Taille moyenne des prêts commerciaux: 215 000 $
• Taille moyenne des prêts aux consommateurs: 87 500 $
• Temps de traitement des prêts: 3-5 jours ouvrables

Support client et services de conseil financier

Budget du service client: 3,1 millions de dollars en 2023

Métrique de soutien	Performance
Temps de réponse moyen	24 minutes
Taux de satisfaction client	89.4%
Clients consultatifs financiers	4 200 clients actifs

USCB Financial Holdings, Inc. (USCB) - Modèle commercial: Ressources clés

Réseau bancaire régional solide

Au quatrième trimestre 2023, l'USCB Financial Holdings exploite 22 succursales bancaires à service complet en Californie et en Arizona. Le réseau physique de la banque couvre les principales zones métropolitaines, notamment:

État	Nombre de branches	Régions métropolitaines primaires
Californie	17	San Diego, Los Angeles, comté d'Orange
Arizona	5	Région métropolitaine de Phoenix

Infrastructure de technologie bancaire numérique

Investissement technologique: 4,7 millions de dollars alloués aux mises à niveau des infrastructures bancaires numériques en 2023.

• Plateforme de banque mobile prenant en charge les transactions en temps réel
• Protocoles avancés de cybersécurité
• Système bancaire de base basé sur le cloud
• Mécanismes de détection de fraude dirigés par l'IA

Ressources de capital humain

Total de la main-d'œuvre en décembre 2023: 312 employés

Catégorie des employés	Nombre	Pourcentage
Senior	24	7.7%
Professionnels bancaires	178	57.1%
Personnel de soutien	110	35.3%

Capitaux financiers et réserves de prêt

Mesures financières pour 2023:

• Total des actifs: 1,42 milliard de dollars
• Portfolio total de prêts: 892 millions de dollars
• Ratio de capital de niveau 1: 12,3%
• Réserve de perte de prêt: 23,6 millions de dollars

Base de données client et gestion des relations

Métriques de la relation client:

• Comptes clients actifs totaux: 48 637
• Utilisateurs de la banque numérique: 31 245 (64,2% du total des clients)
• Valeur moyenne de la relation client: 42 300 $

USCB Financial Holdings, Inc. (USCB) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les entreprises et les particuliers locaux

USCB Financial Holdings fournit des solutions bancaires ciblées avec les offres spécifiques suivantes:

Catégorie de produits	Nombre d'offres	Solde moyen du compte
Comptes de chèques d'entreprise	7 types de compte distincts	$85,340
Comptes bancaires personnels	5 types de compte distincts	$42,670

Taux d'intérêt concurrentiels et options de prêt flexibles

USCB propose des produits de prêt compétitifs avec les caractéristiques suivantes:

• Taux d'intérêt des prêts aux petites entreprises: 6,25% - 9,75%
• Taux de prêt immobilier commercial: 5,50% - 7,25%
• Taux de prêt personnel: 7,90% - 12,50%

Technologies bancaires numériques avancées

Service numérique	Taux d'adoption des utilisateurs	Transactions mensuelles
Application bancaire mobile	68.3%	247,500
Plateforme bancaire en ligne	82.1%	385,200

Service client axé sur les relations

Les mesures de service client démontrent l'engagement de l'USCB:

• Taux de rétention de clientèle moyen: 87,6%
• Score de satisfaction du client: 4.3 / 5
• Temps de réponse moyen: 12 minutes

Expertise du marché local et approche axée sur la communauté

Investissement communautaire	Montant annuel	Nombre d'initiatives locales
Assistance commerciale locale	2,7 millions de dollars	42 programmes
Subventions au développement communautaire	1,5 million de dollars	27 initiatives

USCB Financial Holdings, Inc. (USCB) - Modèle d'entreprise: relations avec les clients

Gestion des relations bancaires personnelles

Depuis le quatrième trimestre 2023, l'USCB Financial Holdings a maintenu 127 345 comptes clients bancaires personnels à travers son réseau. La fréquence moyenne d'interaction du client était de 3,2 points de contact par mois.

Segment de clientèle	Comptes totaux	Fréquence d'interaction moyenne
Banque personnelle	127,345	3,2 fois / mois
Banque d'affaires	8,675	2,9 fois / mois

Plates-formes bancaires numériques en libre-service

La plate-forme numérique de l'USCB a déclaré 89 542 utilisateurs mensuels actifs en 2023, représentant 70,3% du total des clients bancaires personnels.

• Téléchargements d'applications bancaires mobiles: 62 378
• Banque en ligne utilisateurs actifs: 89 542
• Volume des transactions numériques: 1,3 million de transactions mensuelles

Gestionnaires de relations dédiés pour les clients commerciaux

USCB a attribué 42 gestionnaires de relations dédiés à desservir 8 675 clients bancaires d'entreprise, avec un portefeuille moyen de 206 comptes d'entreprise par gestionnaire.

Segment des clients commerciaux	Nombre de gestionnaires	Taille moyenne du portefeuille
Petite entreprise	24 gestionnaires	156 comptes
Entreprise intermédiaire	18 gestionnaires	256 comptes

Engagement communautaire et soutien local

En 2023, l'USCB a investi 1,2 million de dollars dans des initiatives de soutien communautaire locales, couvrant 17 comtés dans sa région opérationnelle.

• Investissement communautaire: 1,2 million de dollars
• Sponsors de l'événement local: 42 événements
• Programmes d'éducation financière: 18 ateliers

Services de conseil financier personnalisés

L'USCB a offert des services de conseil financier personnalisés à 22 345 clients bancaires élevés et premium en 2023.

Niveau de service consultatif	Nombre de clients	Interactions consultatives moyennes
Netteur élevée	12,675	4.5 Interactions / an
Banque premium	9,670	3.2 Interactions / an

USCB Financial Holdings, Inc. (USCB) - Modèle d'entreprise: canaux

Site Web de banque en ligne

Au quatrième trimestre 2023, la plate-forme bancaire en ligne de l'USCB dessert 87 342 utilisateurs numériques actifs. Le site Web traite en moyenne 214 567 transactions mensuelles avec une fiabilité de disponibilité de 99,2%.

Métrique du canal numérique	Performance de 2023
Utilisateurs actifs mensuels	87,342
Transactions mensuelles	214,567
Time de disponibilité du site Web	99.2%

Application bancaire mobile

L'application bancaire mobile de l'USCB compte 62 845 utilisateurs mensuels actifs en décembre 2023. L'application prend en charge Surveillance des transactions en temps réel et dépôt de chèque mobile.

• Téléchargements totaux d'applications mobiles: 128 456
• Utilisateurs mobiles actifs mensuels: 62 845
• Volume de transaction mobile: 176 234 par mois

Réseau de succursale bancaire physique

L'USCB exploite 47 emplacements de succursales physiques à travers la Californie, avec un trafic piétonnier quotidien moyen de 342 clients par succursale.

Détails du réseau de branche	Statistique
Branches physiques totales	47
Trafficage à pied de la branche quotidienne moyen	342 clients
Couverture géographique	Californie

Centres d'appels de service client

L'USCB maintient deux centres d'appels de service à la clientèle qui gèrent 28 765 interactions clients mensuellement, avec un temps de résolution d'appel moyen de 7,2 minutes.

• Interactions mensuelles du client: 28 765
• Temps de résolution moyenne des appels: 7,2 minutes
• Taux de satisfaction client: 94,3%

Réseau ATM

La banque donne accès à 156 emplacements ATM, avec 89 détenus directement et 67 via des réseaux partenaires. Le volume mensuel des transactions ATM atteint 412 345 transactions.

Métriques du réseau ATM	Quantité / volume
Emplacements totaux ATM	156
ATM directement détenus	89
ATM du réseau partenaire	67
Transactions ATM mensuelles	412,345

USCB Financial Holdings, Inc. (USCB) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises en Californie et en Arizona

Au quatrième trimestre 2023, l'USCB dessert environ 3 750 petites et moyennes entreprises de la Californie et de l'Arizona. Valeur du portefeuille bancaire total des affaires: 287,4 millions de dollars.

Segment d'entreprise	Nombre de clients	Valeur totale du portefeuille
California petites entreprises	2,450	189,6 millions de dollars
Arizona petites entreprises	1,300	97,8 millions de dollars

Consommateurs individuels sur les marchés régionaux

L'USCB compte 42 600 clients de la banque de consommation individuels sur ses marchés régionaux.

• Solde moyen du compte des consommateurs: 24 750 $
• Total des dépôts de consommateurs: 1,053 milliard de dollars
• Comptes de chèques personnels: 28 400
• Comptes d'épargne personnels: 14 200

Entreprises commerciales locales

Le segment bancaire commercial comprend 1 275 clients locaux d'entreprise avec un portefeuille de prêts commerciaux total de 412,3 millions de dollars.

Type d'entreprise	Nombre de clients	Portefeuille de prêts totaux
Entreprises de vente au détail	520	167,4 millions de dollars
Entreprises de services	385	124,9 millions de dollars
Services professionnels	370	120 millions de dollars

Clients bancaires personnels

Répartition des clients bancaires personnels: 42 600 clients totaux

• 18 à 35 ans: 12 780 clients
• 36 à 50: 15 340 clients
• 51 à 65 ans: 9 620 clients
• 65 ans et plus: 4 860 clients

Propriétaires de petites entreprises

Segment des clients du propriétaire des petites entreprises: 2 750 clients totaux

Taille de l'entreprise	Nombre de clients	Montant moyen du prêt
Micro-entreprises (0-9 employés)	1,650	$75,400
Petites entreprises (10-49 employés)	825	$215,600
Entreprises moyennes (50-99 employés)	275	$412,300

USCB Financial Holdings, Inc. (USCB) - Modèle d'entreprise: Structure des coûts

Maintenance des infrastructures technologiques

Coût des infrastructures technologiques annuelles pour USCB Financial Holdings en 2023: 4,2 millions de dollars

Catégorie de technologie	Dépenses annuelles
Systèmes bancaires de base	1,8 million de dollars
Infrastructure de cybersécurité	1,3 million de dollars
Services de cloud computing	$680,000
Systèmes de réseau et de communication	$420,000

Salaires et avantages sociaux des employés

Total des frais d'indemnisation des employés pour 2023: 22,6 millions de dollars

• Salaire moyen des employés: 78 500 $
• Coûts d'assurance maladie totaux: 3,4 millions de dollars
• Contributions de retraite et de retraite: 2,1 millions de dollars

Succursale des dépenses opérationnelles

Total des coûts liés à la succursale en 2023: 6,7 millions de dollars

Catégorie de dépenses	Coût annuel
Loyer et services publics	3,2 millions de dollars
Entretien et réparations	1,5 million de dollars
Équipement de succursale	$920,000
Sécurité des succursales	1,1 million de dollars

Coûts de conformité réglementaire

Total des dépenses de conformité réglementaire pour 2023: 3,9 millions de dollars

• Frais juridiques et de consultation: 1,6 million de dollars
• Logiciel et systèmes de conformité: 1,2 million de dollars
• Formation et certification: 640 000 $
• Dépenses d'audit externe: 460 000 $

Frais de marketing et d'acquisition des clients

Total des dépenses de marketing en 2023: 5,3 millions de dollars

Canal de marketing	Dépenses annuelles
Marketing numérique	2,1 millions de dollars
Publicité médiatique traditionnelle	1,4 million de dollars
Campagnes d'acquisition de clients	1,2 million de dollars
Marketing d'événement	$600,000

USCB Financial Holdings, Inc. (USCB) - Modèle commercial: Strots de revenus

Revenu des intérêts des prêts et des produits de crédit

Pour l'exercice 2023, l'USCB Financial Holdings a déclaré un revenu net d'intérêts de 89,3 millions de dollars. La rupture des sources de revenus d'intérêts comprend:

Catégorie de prêt	Revenu des intérêts ($ m)
Prêts commerciaux	42.6
Prêts à la consommation	31.7
Prêts hypothécaires	15.0

Frais de service bancaire

Les frais de service bancaire pour l'USCB en 2023 ont totalisé 24,5 millions de dollars, avec la distribution suivante:

• Frais de maintenance du compte: 8,2 millions de dollars
• Frais de transaction ATM: 5,7 millions de dollars
• Frais de découvert: 6,3 millions de dollars
• Frais de transfert de fil: 4,3 millions de dollars

Frais de transaction bancaire numérique

Les revenus bancaires numériques pour 2023 ont atteint 12,7 millions de dollars, avec:

• Frais de transaction bancaire en ligne: 6,4 millions de dollars
• Frais de transaction bancaire mobile: 5,3 millions de dollars
• Frais de traitement des paiements numériques: 1,0 million de dollars

Services d'investissement et de gestion de la patrimoine

Les services d'investissement ont généré 18,6 millions de dollars de revenus en 2023:

Type de service	Revenus ($ m)
Gestion des actifs	9.2
Avis financier	6.4
Services de courtage	3.0

Revenus de prêts commerciaux et de consommateurs

Les revenus totaux de prêts pour 2023 étaient de 135,4 millions de dollars, composés de:

• Intérêt de prêt commercial: 78,6 millions de dollars
• Intérêt des prêts à la consommation: 56,8 millions de dollars

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.