Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 9

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 9
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 including the “Risk Factors” sections contained in this prospectus, our Annual Report on Form 10-Kfor the fiscal year ended December 31, 2024, and our Quarterly Report on Form 10-Qfor the quarter ended March 31, 2025, our Quarterly Report on Form 10-Qfor the quarter ended June 30, 2025 and our Quarterly Report on Form 10-Qfor the quarter ended September 30, 2025, each of which is incorporated by reference herein, as updated by our subsequently filed Quarterly Reports on Form 10-Qand Current Reports on Form 8-K,our financial statements and the related notes and the other documents incorporated by reference herein, which are described under the heading “Information Incorporated by Reference” in this prospectus before making a decision about whether to exchange your Old Notes for New Notes.

USCB Financial Holdings, Inc.

The Company was formed on December 17, 2021, to serve as the holding company for the 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 Doral, Florida, a municipality that is part of the Miami
metropolitan area of South Florida, and, through the Bank, its sole direct subsidiary, operates ten (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.

The 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 a 1-for-5 stock exchange. On July 27, 2021, the Bank completed an initial public offering of 4,600,000 shares of its
Class A common stock. Shares of the Bank’s Class A common stock were sold at a price to the public of $10.00 per share and began trading on the Nasdaq Stock Market under ticker symbol “USCB.”