Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 19

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 19
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 schedule described in this
prospectus. Accordingly, holders participating in the exchange offer may have to wait longer than expected to receive their New Notes, during which time such holders will not be able to effect transfers of their Old Notes tendered for exchange.

Risks Related to the Notes

The notes will be unsecured and subordinated to any existing and future senior indebtedness.

The notes will be subordinated obligations of the
Company. Accordingly, they will be junior in right of payment to any existing and all future senior indebtedness, and in certain events of insolvency, to other financial obligations. Our senior indebtedness includes all indebtedness, except
indebtedness that is expressly subordinated to or rankedparipassu with the notes, subject to certain exceptions. The notes will rank equally with all other unsecured subordinated indebtedness of the Company
issued in the future under the indenture between the Company, as issuer, and Wilmington Trust, National Association, as trustee (the “Indenture”). In addition, the notes will be structurally subordinated to all existing and future
indebtedness, liabilities and other obligations, including deposits, of our subsidiaries, including the Bank. As of September 30, 2025, on a consolidated basis, we had liabilities of $2.6 billion, of which $2.5 billion rank senior to
the notes and $11 million rank paripassu with the notes.

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In addition, the notes will not be secured by any of our assets. As a result, the notes will
be effectively subordinated to all of our secured indebtedness to the extent of the value of the assets securing such indebtedness. The Indenture governing the notes does not limit the amount of senior indebtedness and other financial obligations or
secured obligations that we or our subsidiaries may incur.

As a result of the subordination provisions described above, holders of the
notes may not be fully repaid in the event of our bankruptcy, liquidation or reorganization.

The notes will not be insured or guaranteed by the FDIC, any other governmental agency or any of our subsidiaries. The notes will be structurally subordinated to the indebtedness and other liabilities of our subsidiaries, which means that creditors of our subsidiaries generally will be paid from those subsidiaries’ assets before holders of the notes would have any claims to those assets.

The notes are not savings
accounts, deposits or other obligations of the Bank or any of our non-bank subsidiaries and are not insured or guaranteed by