Company: USCB
Filing Date: 2025-05-02
Form Type: S-3
Source: 0001193125-25-111625
Chunk: 7

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-05-02
Form: S-3
Chunk 7
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 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 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 credit 
 loss reserve and deferred tax asset valuation allowance;                                                       |

| • |     | the efficiency and effectiveness of our internal control environment; |

| • |     | 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 the 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 and changes in accounting principles, policies, practices or guidelines, 
 including the on-going effects of the implementation of the Current Expected Credit Losses;                |

| • |     | the lack of a significantly diversified loan portfolio and 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 future acquisitions;                          |

| • |     | inflation, interest rate, unemployment rate, market and monetary fluctuations; |

| • |     | impact of international hostilities and geopolitical events; |

| • |     | increased competition and its effect on the pricing of our products and services as well as our net interest rate 
 spread and net interest margin;                                                                                   |