U.S. Century Bank (USCB) is a public company. Headquartered in Miami, Fla., U.S. Century Bank is a locally-owned and managed community bank dedicated to serving the financial needs of South Florida's business and entrepreneurial community.

Led by an experienced team of bankers and financial professionals, U.S. Century is committed to providing highly individualized services and business solutions.

Since its inception in October of 2002, it has become one of Florida's fastest-growing community banks with $2 billion in total assets with 10 banking center locations throughout Miami-Dade and Broward County.

By combining its relationship-driven business model with its experienced leadership and focused vision, U.S. Century Bank will continue to grow as a financially solid and profitable institution and become the community bank of choice for business owners, entrepreneurs, professionals and individuals throughout South Florida. Founded in 2002. It has 262 employees. IPO 2021.

Transcript

Operator

Please note this event is being recorded. I would now like to turn the conference over to Luis de la Aguilera, President and CEO. Please go ahead.

Luis de la Aguilera — Chairman, President, and CEO

Good morning. Thank you for joining us for the USCB Financial Holdings second quarter 2026 earnings call. I'm Luis de la Aguilera, Chairman, President, and CEO of USCB Financial Holdings. Joining me today are Rob Anderson, our Chief Financial Officer, and Sergio Garrido, our Chief Credit Officer. Rob will walk you through our financial results in detail, and Sergio will review credit quality. I'm very pleased to report another strong quarter, one that marks an important milestone for our company as we surpass $3 billion in total assets, driven by record loan production, meaningful margin expansion, and continued pristine credit quality. For the quarter ended June 3rd, 2026, the company generated net income of $9.1 million, or $0.49 per diluted share, compared to $0.40 per diluted share in the second quarter of last year, a 22.5% increase year-over-year. Profitability metrics remain best in class with ROA of 1.26%, ROAE of 15.9%, and an efficiency ratio that improved to 49.97%, below 50% for the first time and down from 52.34% in the first quarter. At a high level, total assets surpassed $3 billion, up 11% year-over-year. Loans grew to $2.3 billion, up 9.9% year-over-year, driven by record new loan fundings