Exibit 99.1

USCB FINANCIAL HOLDINGS INVESTOR PRESENTATIONTHIRD QUARTER 2025 NASDAQ: USCB

FORWARD-LOOKING STATEMENTS This presentationmay contain statements that are not historical in nature and areintended to be, and are hereby identified as, forward-looking statementsfor purposes of the safe harbor provided by Section 21E of theSecurities Exchange Act of 1934, as amended. Forward-looking statementsare those that are not historical facts. The words "may," "will,""anticipate," "could," " should," "would," "believe," "contemplate,""expect," "aim," "plan," "estimate," "continue," "seek," and"intend," the negative of these terms, as well as other similar words and expressionsof the future, are intended to identify forward-looking statements. Theseforward-looking statements include, but are not limited to, statementsrelated to our projected growth, anticipated futurefinancial performance, and management's long-term performancegoals, as well as statements relating to the anticipated effectson our results of operations and financial condition from expected or potentialdevelopments or events, or business and growth strategies, includinganticipated internal growth and potential balance sheetrestructuring. All numbers included in this presentation are unauditedunless otherwise noted. These forward-looking statements involvesignificant risks and uncertainties that could cause our actualresults to differ materially from those anticipated in such statements.Potential risks and uncertainties include, but are not limited to: thestrength of the United States economy in general and the strengthof the local economies in which we conduct operations; ourability to successfully manage interest rate risk, credit risk, liquidityrisk, and other risks inherent to our industry; the accuracyof our financial statement estimates and assumptions, including the estimatesused for our allowance for credit losses and deferred tax assetvaluation allowance; the efficiency and effectiveness of ourinternal

control procedures and processes; our ability to comply with the extensivelaws and regulations to which we are subject, including the laws foreach jurisdiction where we operate; adverse changesor conditions in the capital and financial markets, including actual or potentialstresses in the banking industry; deposit attrition and the level ofour uninsured deposits; legislative or regulatory changes and changes,including the enactment of the One Big Beautiful Bill, in accountingprinciples, policies, practices or guidelines, including the on-going effectsof the implementation of the Current Expected Credit Losses ("CECL")standard; the lack of a significantly diversified loan portfolio andour concentration in the South Florida market, including the risksof geographic, depositor, and industry concentrations, includingour concentration in loans secured by real estate, in particular,commercial real estate; the effects of climate change; the concentrationof ownership of our common stock; fluctuations in the price of ourcommon stock; our ability to fund or access the capital marketsat attractive rates and terms and manage our growth, both organicgrowth as well as growth through other means, such as futureacquisitions; inflation, interest rate, unemployment rate, andmarket and monetary fluctuations; the effects of potential new orincreased tariffs, retaliatory tariffs and trade restrictions; theimpact of international hostilities and geopolitical events; increasedcompetition and its effect on the pricing of our products and servicesas well as our net interest rate spread and net interest margin; theloss of key employees; the effectiveness of our risk management strategies,including operational risks, including, but not limited to, client,employee, or third-party fraud and security breaches; and other risksdescribed in this presentation and other filings we make with theSecurities and Exchange Commission ("SEC"). All