Company: USCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0001562762-25-000269
Chunk: 4

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: 10-Q
Item: Part I, Item 7
Chunk 4
---
 related to our projected growth, 

anticipated future financial performance, and management’s long-term performance goals, as well as statements relating 

to the anticipated effects on results of operations and financial condition from expected developments or events, or business 

and growth strategies, including anticipated internal growth and potential balance sheet restructuring. 

These forward-looking statements involve significant risks and uncertainties that could cause our actual results to differ 

materially from those anticipated in such statements. Potential risks and uncertainties include, but are not limited to: 

•

 the strength of the United States economy in general and the strength of the local economies in which we conduct 

operations; 

•

 our ability to successfully manage interest rate risk, credit risk, liquidity risk, and other risks inherent to our industry; 

•

 the accuracy of our financial statement estimates and assumptions, including the estimates used for our allowance 

for credit losses and deferred tax asset valuation allowance; 

•

 the efficiency and effectiveness of our internal control procedures and processes; 

•

 our ability to comply with the extensive laws and regulations to which we are subject, including the laws for each 

jurisdiction where we operate; 

•

 adverse changes or conditions in capital and financial markets, including actual or potential stresses in the banking 

industry; 

•

 deposit attrition and the level of our uninsured deposits; 

•

 legislative or regulatory changes, including the enactment of the One Big Beautiful Bill, and changes in accounting 

principles, policies, practices or guidelines, including the on-going effects of the Current Expected Credit Losses 

(“CECL”) standard; 

•

 the lack of a significantly diversified loan portfolio and our concentration in the South Florida market, including the 

risks of geographic, depositor, and industry concentrations, including our concentration in loans secured by real 

estate, in particular, commercial real estate; 

•

 the effects of climate change; 

•

 the concentration of ownership of our common stock; 

•

 fluctuations in the price of our common stock; 

•

 our ability to fund or access the capital markets at attractive rates and terms and manage our growth, both organic 

growth as well as growth through other means, such as