Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 16

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 16
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 are senior in right                        
 of payment to the New Notes, to repurchase our stock or other securities, including any of the New Notes, or to pay dividends or make other distributions to our shareholders (except, in the case of dividends or other distributions on junior 
 securities, upon our failure to timely pay the principal of or interest on the New Notes, when the same becomes due and payable).                                                                                                                |

| Listing; No Public Market | The New Notes are a new issue of securities with no established trading market and we do not expect any public market to develop in the future for the New Notes. We do not intend to list the New Notes on any national securities exchange or 
 quotation system.                                                                                                                                                                                                                               |

| Risk Factors | See “Risk Factors” beginning on page 7 of this prospectus, as well as in our reports filed with the SEC, and other information included or incorporated by reference in this prospectus for a discussion of factors you should 
 consider carefully before deciding to participate in the exchange offer.                                                                                                                                                       |

| Trustee | Wilmington Trust, National Association. |

| Governing Law | The New Notes and the indenture will be governed by and construed in accordance with the laws of the State of New York. |

8

RISK FACTORS

In consultation with your own advisors, you should carefully consider, among other matters, the factors set forth below as well as the other
information included or incorporated by reference in this prospectus before deciding whether to participate in the exchange offer. In particular, you should carefully consider, among other things, the factors described under the caption “Risk
Factors” in our Annual Report on Form 10-K for the fiscal year ended December 31, 2024 and the factors described under the caption “Risk Factors” in our Quarterly Reports on
Form 10-Q for the fiscal quarter ended March 31, 2025, June 30, 2025 and the fiscal quarter ended September 30, 2025, each of which is incorporated herein by reference, as updated by our
subsequently filed Quarterly Reports on Form 10-Q and Current Reports on Form 8-K. If any of the risks contained in or incorporated by reference into this prospectus
develop into actual events, our business, financial condition, liquidity, results of operations and prospects could be materially and adversely affected, the value of the New Notes could decline, our ability to repay the New Notes may be impaired,
and you may lose all or part of your investment. Some statements in this prospect