Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 78

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 78
---
 or concessions from any such broker-dealer and/or the purchasers of any New Notes. Any broker-dealer that receives New Notes in
exchange for Old Notes acquired for its own account as a result of market-making activities or other trading activities, and resells such New Notes, and any broker-dealer that participates in a distribution of such New Notes may be deemed to be an
“underwriter” within the meaning of the Securities Act and any profit on any such resale of New Notes and any commission or concessions received by any such persons may be deemed to be underwriting compensation under the Securities Act.
The letter of transmittal states that, by acknowledging that it will deliver and by delivering a prospectus, a broker-dealer will not be deemed to admit that it is an “underwriter” within the meaning of the Securities Act.

We will promptly send additional copies of this prospectus and any amendment or supplement to this prospectus to any broker-dealer that
reasonably requests such documents. We have agreed to pay certain expenses in connection with the exchange offer and will indemnify the holders of the Old Notes (including any broker-dealers) against certain liabilities, including certain
liabilities under the Securities Act.

49

LEGAL MATTERS

The validity of the New Notes will be passed upon for us by Squire Patton Boggs (US) LLP.

EXPERTS

The consolidated balance sheets of USCB Financial Holdings Inc. as of December 31, 2024 and 2023, the related consolidated statements of
operations, comprehensive income (loss), changes in stockholders’ equity, and cash flows for each of the years then ended, as incorporated in this prospectus by reference from the Company’s Annual Report on
Form 10-K for the year ended December 31, 2024, have been audited by Crowe LLP, an independent registered public accounting firm, as stated in their report. Such consolidated financial
statements are incorporated by reference in reliance upon the report of such firm given their authority as experts in auditing and accounting.

50

PART II INFORMATION NOT REQUIRED IN PROSPECTUS

| Item 20. | Indemnification of Directors and Officers. |

Florida Law.The Florida Business Corporation Act, as amended (the “FBCA”) permits, under certain circumstances, the indemnification of officers, directors, employees and agents of a corporation with respect to any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative or investigative, and whether formal or informal, to