Company: USCB
Filing Date: 2025-03-14
Form Type: 10-K
Source: 0001562762-25-000043
Chunk: 2

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-03-14
Form: 10-K
Item: Item 1A
Chunk 2
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This section contains a description of the material risk and uncertainties identified by management that could, 

individually or in combination, harm our business, results of operations, liquidity and financial condition. The risks described 

below are not all inclusive. We may face other risks that are not presently known, or that we presently deem immaterial, 

which may also adversely affect our business, results of operations, liquidity and financial condition. If any of these known 

or unknown risks or uncertainties actually occur, our business, results of operations, liquidity and financial condition could 

be materially and adversely affected. 

Summary of Risk Factors 

Our business is subject to a number of risks that could cause actual results to differ materially from those indicated by 

forward-looking statements made in this Form 10-K or presented elsewhere from time to time. These risks are discussed 

more fully in this Item 1A and include, without limitation, the following: 

Risks Related to our Business and Operations 

•

 Our business operations and lending activities are concentrated in South Florida, and we are more sensitive to 

adverse changes in the local economy than our more geographically diversified competitors. 

•

 Our concentration of real estate loans in a limited market area exposes us to lending risks. 

•

 The small- to medium-sized businesses to which we lend may have fewer resources to weather adverse business 

developments, which may impair a borrower's ability to repay a loan. 

•

 Inflationary pressures and rising prices may affect our results of operations and financial condition. 

•

 The soundness of other financial institutions could adversely affect us. 

•

 Insufficient liquidity could impair our ability to fund operations and jeopardize our financial condition, results of 

operations, growth and prospects. 

•

 Changes in U.S. trade policies and other global political factors beyond our control, including the imposition of tariffs, 

retaliatory tariffs, or other sanctions, may advers