Company: USCB
Filing Date: 2025-03-14
Form Type: 10-K
Source: 0001562762-25-000043
Chunk: 24

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-03-14
Form: 10-K
Item: Item 7
Chunk 24
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Management’s discussion and analysis of financial condition and results of operations analyzes the consolidated 

financial condition and results of operations of the Company and the Bank, its wholly owned subsidiary, for the years ended 

December 31, 2024 and 2023. This discussion and analysis is best read in conjunction with the Consolidated Financial 

Statements and related footnotes of the Company presented in Item 8 “Financial Statements and Supplementary Data” of 

this Annual Report on Form 10-K. In addition to historical information, 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" of this Annual Report. 

In this Annual Report on Form 10-K, unless the context indicated otherwise, references to “we,” “us,”, and “our” refer to 

the Company and the Bank, as the contest dictates. However, if the discussion relates to a period before the Effective Date, 

the terms refer only to the Bank.