Company: USCB
Filing Date: 2025-03-14
Form Type: 10-K
Source: 0001562762-25-000043
Chunk: 3

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-03-14
Form: 10-K
Item: Item 1A
Chunk 3
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ely impact our business, financial condition and results of 

operations. 

•

 Our lending business is subject to credit risk, which could lead to unexpected losses. 

•

 The transition from the use of LIBOR may adversely impact the interest rates paid on certain financial instruments. 

•

 Natural disasters and severe weather events in Florida could have a material adverse impact on our business, 

financial condition and operations. 

•

 Our business is subject to interest rate risk and variations in interest rates may materially and adversely affect our 

financial performance. 

•

 A failure or the perceived risk of a failure to raise the statutory debt limit of the U.S. in the future could have a 

material adverse effect on our business, financial condition and results of operations. 

•

 Our allowance for credit losses may not be sufficient to absorb potential losses in our loan portfolio. 

•

 Our commercial loan portfolio may expose us to increased credit risk. 

•

 The imposition of further limits by the bank regulators on commercial real estate lending activities could curtail our 

growth and adversely affect our earnings. 

•

 Our SBA lending program depends on our status as a participant in the SBA's Preferred Lenders Program, and we 

face specific risks associated with originating SBA loans and selling the guaranteed portion thereof. 

•

 The SBA may not honor its guarantees if we do not originate loans in compliance with SBA guidelines.