文章核心观点 - 私募资产管理公司Axxes Capital任命Maria C. Alonso为董事会成员 [1][2][3][4][6] - Alonso拥有丰富的金融和社区领导经验,将为Axxes Capital的私募投资机会民主化发展提供宝贵的专业知识 [2][3][4][5][6][7] 公司概况 - Axxes Capital是一家专注于为财富顾问及其客户提供私募股权和私募信贷投资解决方案的私募资产管理公司 [8][9] - Axxes Capital寻求成为财富顾问拓展和增强客户投资组合的首选合作伙伴 [9] 新任董事Alonso的背景 - Alonso目前担任东北大学迈阿密分校的首席执行官和区域院长,负责制定校区的战略方向和愿景 [2] - 此前,Alonso曾担任United Way Miami的总裁兼首席执行官,并在美国银行工作20多年,最近担任迈阿密市场的企业社会责任经理 [3] - Alonso还担任多家领先金融和公益组织的董事会成员,包括美国世纪银行、Money Management International和Grameen America [5] - Alonso拥有工业工程学士学位和市场营销MBA学位,是多个专业组织的成员 [7]

CORAL GABLES, Fla., June 03, 2024 (GLOBE NEWSWIRE) -- Axxes Capital, a private markets asset management firm dedicated to providing wealth advisors and their clients exclusive access to private equity and private credit investment solutions, today announced it has appointed Maria C. Alonso to its Board of Directors. A senior executive and community leader with a rich history of civic involvement in South Florida, Ms. Alonso currently serves as the CEO and Regional Dean of Northeastern University's Miami Cam ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period endedMarch 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____to_____ Commission File Number:001-41196 USCB Financial Holdings, Inc. (Exact name of registrant as specified in its charter) Florida 87-4070846 (State or other juri ...

财务数据和关键指标变化 - 净收入为460万美元或每股0.23美元,较2023年第四季度增加190万美元 [2][3] - 平均存款增加2.043亿美元或11.1%,较2023年第一季度增长 [2][3] - 平均贷款增加2.341亿美元或15.1%,较2023年第一季度增长 [2][3] - 贷款组合加权平均利率从5.68%提高至8.16% [3] - 公司支付了首次现金股息,总额为100万美元 [3][4] 各条业务线数据和关键指标变化 - 公司新增7条非商业地产业务线,包括医生优势、律师优势、游艇贷款等,占总存款的26% [17] - 非商业地产贷款占总贷款的29%,较2020年6月30日的9%大幅提高 [17] - 非利息收入占总收入的14%,较2023年第一季度的11.5%有所增加 [17] 各个市场数据和关键指标变化 - 佛罗里达州经济强劲,2024年预计增长3%,是全国平均增长率1.4%的两倍 [17] - 佛罗里达州失业率连续39个月低于全国水平,2024年1月为3.7%,低于全国0.6个百分点 [17] 公司战略和发展方向及行业竞争 - 公司专注于有机增长,通过多元化的商业银行业务拓展现有客户关系并开发新客户 [2] - 公司新增7条非商业地产业务线,进一步丰富和多元化贷款组合 [17] - 公司在佛罗里达州市场保持竞争优势,受益于该州强劲的经济增长和人口增长 [17] 管理层对经营环境和未来前景的评论 - 公司在2023年增加了新的生产人员,拓展了业务线,增加了存款聚集垂直业务,同时严格控制费用 [2] - 公司认为佛罗里达州的强劲经济为公司的持续增长提供了基础 [17] 其他重要信息 - 公司董事会批准了一项新的股票回购计划,最多回购50万股,约占已发行在外普通股的2.5% [4] - 公司已完成对存款组合的全面审查,采取了提高净利差的措施 [3] 问答环节重要的提问和回答 问题1 **Michael Rose 提问** 询问新增的存款团队对利差的影响 [21][22][23][24][25][26][27][28] **Rob Anderson 回答** - 新增存款团队带来的存款主要为活期存款,公司已经调整了部分高成本公共资金存款 - 随着新增贷款利率持续提高,以及存款成本趋于稳定,公司预计第二季度净利差将提高5-10个基点 [23][24][25][26][27][28] 问题2 **Woody Lay 提问** 询问新增存款业务线对第一季度存款增长的贡献 [32][33][34][35] **Luis de la Aguilera 和 Rob Anderson 回答** - 新增存款业务线在第一季度贡献了4000-5000万美元存款 [33] - 公司对第二季度的存款增长持乐观态度,新增业务线将继续为存款增长做出贡献 [34][35] 问题3 **Feddie Strickland 提问** 询问偿还部分同业拆借资金对资产收益的影响 [39][40][41][42][43][44][45][46] **Rob Anderson 回答** - 偿还部分高成本同业拆借资金后,资产收益增长可能会有所放缓,但仍将保持增长 [40] - 公司预计第二季度净利差将提高5-10个基点,主要来自存款成本趋于稳定和贷款利率持续提高 [41][42][43][44] **Luis de la Aguilera 回答** - 公司的SBA贷款业务管线创历史新高,有望在2024年第二季度实现强劲增长 [45][46]

Exhibit 99.1 EARNINGS RELEASE USCB Financial Holdings, Inc. Reports Diluted EPS of $0.23 for Q1 2024 and announces adoption of new 500,000 share repurchase program MIAMI, FL – April 25, 2024 – USCB Financial Holdings, Inc. (the “Company”) (NASDAQ: USCB), the holding company for U.S. Century Bank (the “Bank”), reported net income of $4.6 million or $0.23 per diluted share for the three months ended March 31, 2024, compared with net income of $5.8 million or $0.29 per diluted share for the same period in 2023 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year endedDecember 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____to_____ Commission File Number:001-41196 USCB Financial Holdings, Inc. (Exact name of registrant as specified in its charter) Florida 87-4070846 (State or other jurisdicti ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period endedSeptember 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____to_____ Commission File Number:001-41196 USCB Financial Holdings, Inc. (Exact name of registrant as specified in its charter) Florida 87-4070846 (State or other ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period endedJune 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____to_____ Commission File Number:001-41196 USCB Financial Holdings, Inc. (Exact name of registrant as specified in its charter) Florida 87-4070846 (State or other juris ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period endedMarch 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____to_____ Commission File Number:001-41196 USCB Financial Holdings, Inc. (Exact name of registrant as specified in its charter) Florida 87-4070846 (State or other juri ...

Exhibit 99.2 EARNINGS PRESENTATION FIRST QUARTER 2023 NASDAQ: USCB FORWARD-LOOKING STATEMENTS This presentation may contain statements that are not historical in nature and are intended to be, and are hereby identified as,forward-looking statements for purposes of the safe harbor provided by Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements are those that are not historical facts. The words “may,” “will,” “anticipate,” “should,” “would,” “believe,” “contemplate,” “ex ...