Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 8

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 8
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 the 
 banking industry;                                                                                                 |

| • |     | deposit attrition and the level of our uninsured deposits; |

| • |     | legislative or regulatory changes and changes in accounting principles, policies, practices or guidelines, 
 including the on-going effects of the Current Expected Credit Losses standard;                             |

| • |     | the lack of a significantly diversified loan portfolio and concentration in the South Florida market, including                                                      
 the risks of geographic, depositor, and industry concentrations, including our concentration in loans secured by real estate, in particular, commercial real estate; |

| • |     | the effects of climate change; |

| • |     | the concentration of ownership of our common stock; |

| • |     | fluctuations in the price of our common stock; |

| • |     | our ability to fund or access the capital markets at attractive rates and terms and manage our growth, both 
 organic growth as well as growth through other means, such as future acquisitions;                          |

| • |     | inflation, interest rate, unemployment rate, market and monetary fluctuations; |

| • |     | impact of international hostilities and geopolitical events; |

iv

| • |     | increased competition and its effect on the pricing of our products and services as well as our net interest rate 
 spread and net interest margin;                                                                                   |

| • |     | the loss of key employees; |

| • |     | 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                                           |

The foregoing factors should not be construed as exhaustive and should be read together with the other cautionary statements included in this prospectus and any related prospectus supplement. In addition, past results of operations are not necessarily indicative of future results. Any forward-looking statement made by the Company in this prospectus is based only on information currently available to the Company and speaks only as of the date on which it is made, and the Company does not undertake any obligation to publicly update or review any forward-looking statements, whether written or oral, that may be made from time to time, whether as a result of new information, future developments or otherwise. v

SUMMARY

This summary highlights information contained elsewhere in this prospectus and in the documents we incorporate by reference into this prospectus. This summary does not contain all of the information that you should consider before deciding to exchange your Old Notes for New Notes. You should read this prospectus carefully,