Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 1

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 1
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er reporting company,” and “emerging growth company” in Rule 12b-2of the Exchange Act.

| Large accelerated filer |     | ☐                                               |     | Accelerated filer         |     | ☒ |
| Non-accelerated filer   |     | ☐ (Do not check if a smaller reporting company) |     | Smaller reporting company |     | ☒ |
|                         |     |                                                 |     | Emerging growth company   |     | ☒ |

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the Securities Act. ☐ If applicable, place an X in the box to designate the appropriate rule provision relied upon in conducting this transaction: Exchange Act Rule 13e-4(i)(Cross-Border Issuer Tender Offer) ☐ Exchange Act Rule 14d-1(d)(Cross-Border Third-Party Tender Offer) ☐ The registrant hereby amends this registration statement on such date or dates as may be necessary to delay its effective date until the registrant shall file a further amendment which specifically states that this registration statement shall thereafter become effective in accordance with Section 8(a) of the Securities Act of 1933 or until this registration statement shall become effective on such date as the Commission, acting pursuant to said Section 8(a), may determine.

The information in this prospectus is not complete and may be changed. We may not complete the exchange offer and issue these securities until the registration statement filed with the Securities and Exchange Commission is effective. This prospectus is not an offer to sell these securities and it is not soliciting an offer to buy these securities in any jurisdiction where the offer or sale is not permitted.

SUBJECT TO COMPLETION, DATED NOVEMBER 7, 2025

PROSPECTUS

### USCB FINANCIAL HOLDINGS, INC.
Offer to Exchange

Up to $40,000,000 aggregate principal amount of

7.625% Fixed-to-FloatingRate Subordinated Notes due 2035

that have been registered under the Securities Act of 1933

for any and all outstanding unregistered

7.625% Fixed-to-FloatingRate Subordinated Notes due 2035

The exchange offer will expire at 11:59 p.m., New York City time, on , 202 , unless