Company: USCB
Filing Date: 2025-08-08
Form Type: 10-Q
Source: 0001562762-25-000206
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Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-08-08
Form: 10-Q
Item: Part I, Item 7
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The following discussion and analysis is designed to provide a better understanding of the consolidated financial 

condition and results of operations of the Company and the Bank, its wholly owned subsidiary, as of and for the three and 

the six months ended June 30, 2025. This discussion and analysis is best read in conjunction with the unaudited 

consolidated financial statements and related notes included in this Quarterly Report on Form 10-Q (“Form 10-Q”) and the 

audited consolidated financial statements and related notes included in the Annual Report on Form 10-K (“2024 Form 10-

K”) filed with the Securities and Exchange Commission (“SEC”) for the year ended December 31, 2024. 

This discussion contains forward-looking statements that involve risks, uncertainties and assumptions that could cause 

actual results to differ materially from management's expectations. Factors that could cause such differences are discussed 

in the sections entitled "Forward-Looking Statements" and Item 1A “Risk Factors" below in Part II hereof and in the 2024 

Form 10-K filed with the SEC which is available at the SEC’s website www.sec.gov. 

Throughout this document, references to “we,” “us,” “our,” and “the Company” generally refer to USCB Financial 

Holdings, Inc. 

Forward-Looking Statements 

This Form 10 -Q contains statements that are not historical in nature are intended to be, and are hereby identified as, 

forward-looking statements for purposes of the safe harbor provided by Section 21E of the Securities Exchange Act of 1934, 

as amended. The words “may,” “will,” “anticipate,” “could,” “should,” “would,” “believe,” “contemplate,” “expect,” “aim,” “plan,” 

“estimate,” “continue,” and “intend,” as well as other similar words and expressions of the future, are intended to identify 

forward-looking statements. These