Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 13

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 13
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 issuance of the New Notes under this exchange offer will not result in any increase in our 
 outstanding indebtedness.                                                                                                                                                                                                                       |

| Exchange Agent | Wilmington Trust, National Association, a national banking association, is serving as the exchange agent for this exchange offer. See “The Exchange Offer—Exchange Agent” for the address and telephone number of the exchange 
 agent.                                                                                                                                                                                                                         |

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Summary of the New Notes The following provides a summary of certain terms of the New Notes. The New Notes have terms that are identical in all material respects to the terms of the Old Notes, except that the New Notes are registered under the Securities Act and are generally not subject to transfer restrictions, are not entitled to registration rights under the registration rights agreement and do not have the right to additional interest under the circumstances described in the registration rights agreement relating to our fulfillment of our registration obligations. The New Notes will evidence the same debt as the Old Notes and will be governed by the same indenture under which the Old Notes were issued. Please refer to the section “Description of the Notes” for a more complete description of the terms of the New Notes. References in this prospectus to the “notes” include both the Old Notes and the New Notes unless otherwise specified or the context otherwise requires.

| Issuer | USCB Financial Holdings, Inc. |

| Securities Offered | 7.625% Fixed-to-Floating Rate Subordinated Notes due 2035. |

| Aggregate Principal Amount | Up to $40,000,000. |

| Form and Denomination | The New Notes will be issued only in registered form without coupons, and in minimum denominations of $100,000 and any integral multiple of $1,000 in excess thereof. Unless otherwise required for institutional accredited investors, the New 
 Notes will be evidenced by a global note deposited with the trustee for the New Notes, as custodian for DTC, and transfers of beneficial interests will be facilitated only through records maintained by DTC and its participants.             |

| For each interest period during the Floating Rate Period, “Three-Month Term SOFR” means the rate for Term SOFR for 
 a tenor of                                                                                                         |

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| three months that is published by the Term SOFR Administrator at the Reference Time for any Floating Interest Period, as determined by the Calculation Agent after giving effect to the Three-Month 
 Term SOFR Conventions; provided, however, that in the event Three-Month Term SOFR is less than zero, Three-Month Term SOFR shall be