Company: USCB
Filing Date: 2025-05-02
Form Type: S-3
Source: 0001193125-25-111625
Chunk: 8

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-05-02
Form: S-3
Chunk 8
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| • |     | the loss of key employees; |

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| • |     | the effectiveness of our risk management strategies, including operational risks, including, but not limited to, 
 client, employee, or third-party fraud and cybersecurity breaches; and                                           |

All forward-looking statements are necessarily only estimates of future results, and there can be no assurance that actual results will not differ materially from expectations. Therefore, you are cautioned not to place undue reliance on any forward-looking statements. Further, forward-looking statements included in this Registration Statement are made only as of the date hereof, and we undertake no obligation to update or revise any forward -looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events, unless required to do so under the federal securities laws. You should also review the risk factors described in the Company’s Annual Report on Form 10-Kfor the year ended December 31, 2024 and in the reports the Company has filed or will file with the SEC and, for periods prior to the completion of the bank holding company reorganization in 2021, the Bank filed with the Federal Deposit Insurance Corporation. -5-

PROSPECTUS SUMMARY

Company Overview

USCB Financial
Holdings, Inc., a Florida corporation, was formed on December 17, 2021, to serve as the holding company for U.S. Century Bank, a Florida state-chartered bank, and is a bank holding company registered with the Board of Governors of the Federal
Reserve System (the “Federal Reserve”) under the Bank Holding Company Act of 1956, as amended. The Company is headquartered in Miami, Florida, and, through the Bank, its sole direct subsidiary, operates 10 banking centers in South Florida
providing a wide range of personal and business banking products and services. As of December 31, 2024, the Company had total consolidated assets of $2.6 billion.

U.S. Century Bank commenced operations in October 2002 and is a Florida state-chartered, non-Federal
Reserve System member bank. Over the course of 2021, the Bank simplified its capitalization structure by exchanging and/or repurchasing all of its issued and outstanding preferred shares, including Class C, Class D, and Class E
preferred stock. In December 2021, the Bank reached agreements with holders of its Class B common stock, to exchange all outstanding Class B common stock for Class A common stock in