Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 5

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 5
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. See “Plan of Distribution.”

References in this prospectus to the “Corporation,” the “Company,” “we,” “us,”
“our,” or similar references refer to USCB Financial Holdings, Inc., a Florida corporation and bank holding company incorporated in 2021, and its subsidiaries on a consolidated basis, except where the context otherwise requires or as
otherwise indicated. References in this prospectus to the “Bank” refer to U.S. Century Bank, a Florida state-chartered bank and wholly-owned subsidiary of the Company.

This prospectus incorporates important business and financial information about us that is not included in or delivered with this prospectus.
Such information is available without charge to holders of Old Notes upon written or oral request made to:

USCB Financial Holdings, Inc.

Attention: Robert Anderson

Executive Vice President and Chief Financial Officer

2301 NW 87 thAvenue

Doral, FL 33172

Telephone: (305) 715-5200

E-mail:rob.anderson@uscentury.com

To ensure timely delivery of any requested information, holders of Old Notes must make any request no later than , 202 which is five (5) business days before the expiration date of the exchange offer, or, if we decide to extend the expiration date of the exchange offer, no later than five (5) business days before such extended expiration date.

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WHERE YOU CAN FIND MORE INFORMATION We are subject to the informational requirements of the Securities Exchange Act of 1934, as amended (“Exchange Act”) and file with the SEC Proxy Statements, Annual Reports on Form 10-K,Quarterly Reports on Form 10-Qand Current Reports on Form 8-K,as required of a U.S. listed company. Our SEC filings are available to the public from the SEC’s web site at www.sec.gov or on our website at www.uscentury.com. However, other than our available SEC filings, the information on, or that can be accessible through, our website does not constitute a part of, and is not incorporated by reference in, this prospectus. Written requests for copies of the documents we file with the SEC should be directed to USCB Financial Holdings, Inc., 2301 NW 87 thAvenue, Doral, Florida 33172, Attention: Executive Vice President and Chief Financial Officer, telephone: (305) 715-5200. INFORMATION INCORPORATED BY REFERENCE The SEC allows us to “incorporate by reference” information into this prospect