USCB Financial Holdings is the holding company for U.S. Century Bank, a community bank headquartered in Miami that operates 10 branches across South Florida, serving SMBs, local business owners, entrepreneurs, and professionals in Miami-Dade, Broward, and Palm Beach counties. Like most community banks, USCB takes in deposits, pays depositors an interest rate, and lends that money out at a higher rate, with NIM as the primary driver of profitability. The bank's loan book is anchored in CRE (~57% of loans) and C&I lending. Rather than relying on a large branch network, USCB uses a "branch-light" model built around five specialty verticals, each led by dedicated relationship managers: Business Banking, SBA Lending, Yacht Lending, Association Banking (serving HOAs), and a Private Client Group for law firms and medical practices. A sixth vertical, Correspondent Banking, provides services to ~30 Latin American and Caribbean banks and generates low-cost deposits. The three deposit-oriented verticals — Association Banking, Private Client Group, and Correspondent Banking — collectively account for roughly 29% of total deposits, and USCB prioritizes growing these low-cost, relationship-anchored deposit sources to manage funding costs. Fee income includes SBA loan sale gains, wire fees, and interest rate swap fees. USCB runs a relatively lean operation with ~205 full-time employees and targets deposit growth as its top priority for 2026, with plans to expand into new Miami-Dade submarkets and add relationship managers across its verticals.