USCB Financial Holdings Releases Q2 2026 Investor Presentation to Market

Overview of the Q2 2026 Investor Presentation Filing

USCB Financial Holdings, Inc. announced the availability of a comprehensive investor presentation prepared by its management team. The presentation was filed as an exhibit to a current report dated July 28, 2026, and is designated for use in ongoing investor communications and presentations to shareholders and other interested parties. This approach allows the company to provide consistent, standardized messaging across multiple investor meetings and engagement opportunities throughout the period following Q2 results.

The disclosure indicates that USCB management has compiled materials that address the company's financial performance, strategic initiatives, and market positioning for the second quarter of 2026. By filing the presentation through the regulatory framework, the company demonstrates its commitment to transparency and ensures that all market participants have access to the same information presented to select institutional investors and analysts.

Regulation FD Compliance and Disclosure Framework

The announcement was made under Item 7.01 of the current report form, which covers Regulation FD disclosures. This regulatory category is designed to ensure that companies do not selectively disclose material non-public information to favored analysts or investors while keeping other shareholders in the dark. By filing the presentation materials with the Securities and Exchange Commission, USCB ensures broad and equal access to the content across its shareholder base and the investing public.

The filing specifically notes that the information contained in the presentation is furnished and shall not be deemed "filed" under Section 18 of the Securities Exchange Act of 1934, which means the company retains certain safe harbor protections regarding forward-looking statements. This protective framework is standard for presentation materials that may contain projections, estimates, or forward-looking commentary that extends beyond confirmed historical results. The company further clarified that the presentation is not incorporated by reference in any other securities filings unless expressly cross-referenced in a subsequent disclosure.

Accessibility and Distribution of Presentation Materials

USCB Financial Holdings made the investor presentation available through multiple channels to maximize accessibility. The presentation has been filed as Exhibit 99.1 to the current report submitted to the SEC, making it publicly available through the SEC's Electronic Data Gathering, Analysis, and Retrieval system. Additionally, the company has posted the presentation on its dedicated investor relations website at investors.uscenturybank.com, allowing retail and institutional investors to review the materials directly without requiring SEC database access.

This dual-distribution approach reflects best practices in investor relations, ensuring that information reaches both sophisticated institutional investors who monitor regulatory filings and individual shareholders who may prefer to access materials through the company's own website. The presentation materials serve as a reference document for management presentations scheduled throughout the period following the Q2 2026 earnings cycle, promoting consistency in how company representatives discuss financial performance and strategic direction.

Company Profile and Organizational Context

USCB Financial Holdings, Inc. is incorporated in Florida and maintains its principal executive offices at 2301 N.W. 87th Avenue in Doral, Florida. The company operates under SEC Commission File Number 001-41196 and holds IRS Employer Identification Number 87-4070846. USCB's Class A common stock trades on The Nasdaq Stock Market LLC under the ticker symbol USCB, indicating its status as a publicly traded financial institution subject to all applicable federal securities laws and SEC oversight.

The company is classified as an emerging growth company under the Securities Act of 1933, a designation that provides certain accommodations and scaled disclosure requirements for smaller public companies. This status allows USCB to phase in compliance with certain accounting standards and other regulatory requirements over an extended transition period. The company has elected not to use the extended transition period for new or revised financial accounting standards, indicating its choice to comply with updated standards on the same timeline as larger, more established public companies.

Management Signatory and Corporate Governance

The current report was signed on behalf of USCB Financial Holdings by Robert Anderson, who serves as the company's Chief Financial Officer. Anderson's signature, executed on July 28, 2026, certifies that the report was duly filed in accordance with the requirements of the Securities Exchange Act of 1934 and that the information contained therein is accurate and complete to the best of management's knowledge. The CFO's direct involvement in certifying the filing underscores the company's commitment to accuracy in its regulatory disclosures.

As Chief Financial Officer, Anderson holds responsibility for the company's financial reporting, accounting systems, and investor communications functions. His signature on this filing reflects the company's attestation that the presentation materials have been properly prepared, reviewed, and authorized for release to the investment community. This governance practice ensures that senior financial leadership has reviewed and approved all materials being distributed to shareholders and potential investors.

Safe Harbor Provisions and Forward-Looking Statement Protections

The filing incorporates standard safe harbor language addressing the treatment of forward-looking statements that may be contained within the investor presentation. Because earnings presentations typically include management's views on future performance, market opportunities, and strategic priorities, the regulatory framework provides protections for statements that project future results or describe anticipated business developments. These protections shield companies from certain liability if actual results differ materially from projections, provided the forward-looking statements are identified as such and accompanied by meaningful cautionary language.

Investors reviewing the presentation should understand that any projections, forecasts, or forward-looking commentary reflect management's views as of the date of the presentation and are subject to risks, uncertainties, and assumptions that may cause actual results to differ substantially. The company's strategic plans and financial guidance represent management's current expectations based on available information but are not guarantees of future performance. Market conditions, competitive dynamics, regulatory changes, and other factors beyond management's control may materially affect the company's actual results.

Strategic Importance of Q2 2026 Investor Communications

The timing of this disclosure in late July 2026 places it in the standard quarterly investor relations calendar, when companies typically conduct earnings calls, investor conferences, and one-on-one meetings with institutional shareholders. By filing the presentation materials proactively, USCB provides a standardized reference document that management can reference across all investor interactions, ensuring consistent messaging and reducing the risk of inadvertent selective disclosure to certain investor groups.

Investor presentations of this nature typically address key performance metrics, market trends affecting the financial services sector, competitive positioning, capital management strategies, and management's outlook for the company's business. For a financial institution like USCB, presentations often highlight asset quality, loan performance, deposit trends, profitability metrics, regulatory capital ratios, and dividend or capital return policies. The availability of these materials allows investors to conduct their own independent analysis and form informed investment decisions based on the same information available to professional analysts.

Regulatory Filing Requirements and Regulatory Context

The disclosure was filed pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934, which establishes the requirement for public companies to file current reports on Form 8-K when material events occur or material information is disclosed to investors. While investor presentations do not always constitute material events, companies often choose to file them voluntarily under Regulation FD to ensure broad dissemination and to establish a clear regulatory record of what information was released and when. This practice demonstrates a company's commitment to transparent disclosure practices and equal treatment of all shareholders.

The specific regulatory framework allows companies flexibility in how they communicate with investors while maintaining safeguards against selective disclosure of material information. By filing presentation materials through the official SEC channel, USCB ensures that all interested parties—including retail investors, analysts, competitors, and regulators—have simultaneous access to the same information. This approach supports market efficiency and helps prevent information asymmetries that could disadvantage certain investor groups.

Investor Access and Next Steps for Market Participants

Investors and market participants interested in reviewing USCB's Q2 2026 investor presentation have multiple avenues for access. The materials are available through the SEC's EDGAR database, where investors can search for USCB Financial Holdings by its Central Index Key number 0001901637 or by the company's legal name. The presentation can also be accessed directly through the company's investor relations website at investors.uscenturybank.com, which may provide additional context, supplementary materials, or links to earnings call transcripts and other investor resources.

Analysts and institutional investors typically use investor presentations as a foundation for their research and valuation work. The materials help these market participants understand management's strategic priorities, financial targets, and perspectives on market opportunities and challenges. Individual shareholders may also find the presentation useful for forming their own views on the company's direction and competitive position. The company's proactive filing of these materials facilitates broader investor engagement and informed decision-making across all shareholder classes.