Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 7

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 7
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 by reference or that are deemed incorporated by reference into this prospectus and any related prospectus supplement, and any other written or oral statements made by us from time to time may contain “forward-looking statements” within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future performance of the Company. These statements are often, but not always, identified by words such as “may”, “might”, “should”, “could”, “predict”, “potential”, “believe”, “expect”, “continue”, “will”, “anticipate”, “seek”, “estimate”, “intend”, “plan”, “projection”, “would”, “annualized”, “target” and “outlook”, or the negative version of those words or other comparable words of a future or forward-looking nature. Forward-looking statements are neither historical facts nor assurances of future performance. Instead, they are based only on our current beliefs, expectations and assumptions regarding our business, future plans and strategies, projections, anticipated events and trends, the economy and other future conditions. Because forward-looking statements relate to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict and many of which are outside of our control. Our actual results and financial condition may differ materially from those indicated in the forward-looking statements. Therefore, you should not rely on any of these forward-looking statements. Important factors that could cause our actual results and financial condition to differ materially from those indicated in the forward-looking statements include, among others, the following:

| • |     | the strength of the United States economy in general and the strength of the local economies in which we conduct 
 operations;                                                                                                      |

| • |     | our ability to successfully manage interest rate risk, credit risk, liquidity risk, and other risks inherent to 
 our industry;                                                                                                   |

| • |     | the accuracy of our financial statement estimates and assumptions, including the estimates used for our credit 
 loss reserve and deferred tax asset valuation allowance;                                                       |

| • |     | the efficiency and effectiveness of our internal control environment; |

| • |     | our ability to comply with the extensive laws and regulations to which we are subject, including the laws for 
 each jurisdiction where we operate;                                                                           |

| • |     | adverse changes or conditions in the capital and financial markets, including actual or potential stresses in