USCB FINANCIAL STATEMENTS

US Century Bank — balance sheet, income statement and cash flow trends

USCBUS Century Bank

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue140.6 M $-5.2%

Gross Profit91.7 M $+8.5%

Operating Income37.5 M $+2.6%

EBITDA38.1 M $+2.7%

Net Income27.8 M $+0.3%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
USCB	—	—	—	19.8%
ICBCT	—	—	—	24.7%
ISBTR	—	—	—	28.1%
TSKB	—	—	—	54.9%
NWG	—	—	—	20.1%
LLOY	—	—	—	25.9%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity223.2 M $8%
Current Liabilities2.5 B $89%
Long-term Liabilities75.9 M $3%

Key Figures

YoY change

Total Assets2.8 B $+6.3%

Total Liabilities2.6 B $+6.9%

Total Equity223.2 M $-0.8%

Cash & ST Investments356.1 M $-4.6%

Total Debt92.3 M $-20.2%

Net Debt13.4 M $-24.5%

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
USCB	1.01	41.4%	-6.92	7.8%
ICBCT	—	0.0%	-20.34	4.0%
ISBTR	—	0.0%	-28.33	8.5%
TSKB	—	0.0%	-0.47	13.4%
NWG	0.25	17.0%	-14.68	5.2%
LLOY	0.12	209.8%	5.39	5.0%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
USCB	1.01	41.4%	-6.92	7.8%
NECB	0.05	7.0%	-0.82	17.6%
MVBF	5.97	17.5%	1.20	10.1%
BCML	0.02	5.9%	-0.08	13.0%
FRST	0.11	88.5%	5.37	10.0%
PKBK	0.07	45.7%	0.74	15.2%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow43.5 M $+5.7%

Capital Expenditures577 K $+114.5%

Free Cash Flow42.9 M $+5.0%

Dividends Paid8.1 M $+64.5%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
USCB	30.9%	30.5%	0.4%	156.3%
ICBCT	24.7%	29.9%	5.1%	100.0%
ISBTR	28.1%	-3.3%	31.4%	100.0%
TSKB	54.9%	71.9%	17.0%	100.0%
NWG	—	—	0.0%	—
LLOY	—	—	0.0%	—
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
USCB	30.9%	30.5%	0.4%	156.3%
NECB	33.9%	32.9%	1.0%	118.9%
MVBF	-16.7%	-17.6%	0.9%	-117.0%
BCML	20.4%	19.1%	1.7%	111.4%
FRST	-26.7%	-27.3%	0.7%	-169.1%
PKBK	30.6%	30.4%	0.2%	108.9%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.