Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 35

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 35
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 the exchange offer; and                                                                                           |

| • |     | use our commercially reasonable efforts to consummate the exchange offer no later than 45 days after the 
 effective date of the exchange offer registration statement.                                             |

The registration rights agreement also requires us to commence the exchange offer promptly after the effectiveness of the registration statement and to keep the exchange offer open for not less than 20 business days, or longer if required by applicable law, after the date on which notice of the exchange offer is mailed to the holders of the Old Notes. We also agreed to issue and exchange New Notes for all Old Notes validly tendered and not validly withdrawn before the expiration of the exchange offer. We are sending this prospectus, together with a letter of transmittal, to all the holders of the Old Notes known to us. For each Old Note validly tendered to us in the exchange offer and not validly withdrawn, the holder will receive a New Note having a principal amount equal to the principal amount of the tendered Old Note. Old Notes may be exchanged, and New Notes will be issued, only in minimum denominations of $100,000 and integral multiples of $1,000 in excess thereof. We further agreed that under certain circumstances we would either file a shelf registration statement with the SEC or designate an existing effective shelf registration statement of ours that would allow resales by certain holders of the Old Notes in lieu of such holders participating in the exchange offer. 21

Eligibility; Transferability We are making this exchange offer in reliance on interpretations of the staff of the SEC set forth in several no-actionletters provided to other parties. We have not sought our own no-actionletter from the staff of the SEC with respect to this particular exchange offer. However, based on these existing SEC staff interpretations, we believe that you, or any other person receiving New Notes, may offer for resale, resell or otherwise transfer the New Notes without complying with the registration and prospectus delivery requirements of the U.S. federal securities laws, if:

| • |     | you are not, nor is any such person, our affiliate as such term is defined under Rule 405 under the Securities 
 Act;                                                                                                           |

| • |     | you are, or the person receiving the New Notes is, acquiring the New Notes in the ordinary course of business; |

| • |     | you do not, nor does any such person, have an arrangement or understanding with any person to participate in any 
 distribution (within the meaning of the