Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 47

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 47
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 prior to the 45th day following the effective date of the registration 
 statement;                                                                                                       |

the interest rate on the Old Notes will be increased by a rate of 0.25% per annum immediately following such registration default and will increase by 0.25% per annum immediately following each 90-dayperiod during which additional interest accrues, but in no event will such increase exceed 0.50% per annum. Following the cure of all such registration defaults, the accrual of additional interest will cease and the interest rate will be immediately reduced to the original interest rate borne by the Old Notes. Our obligation to register the New Notes will terminate upon completion of the exchange offer. However, under certain limited circumstances specified in the registration rights agreement, we may be required to file a shelf registration statement for a continuous offer in connection with the Old Notes. 29

DESCRIPTION OF THE NOTES On August 14, 2025, we issued $40 million in aggregate principal amount of our 7.625% Fixed-to-FloatingRate Subordinated Notes due 2035, which we have referred to in this prospectus as the Old Notes. The Old Notes were issued in a private placement transaction to certain institutional accredited investors and qualified institutional buyers, and as such, were not registered under the Securities Act. The Old Notes were issued under an indenture dated August 14, 2025, between the Company, as issuer, and Wilmington Trust, National Association, as trustee, which we have referred to in this prospectus as the “indenture.” The term “notes” refers collectively to the Old Notes and the New Notes. The New Notes will be issued under the indenture and will evidence the same debt as the Old Notes. The terms of the New Notes are identical in all material respects to those of the Old Notes, except that:

| • |     | the New Notes have been registered with the SEC under the Securities Act and, as a result, will not bear any 
 legend restricting their transfer;                                                                           |

| • |     | the New Notes bear different CUSIP numbers from the Old Notes; |

| • |     | the New Notes generally will not be subject to transfer restrictions; |

| • |     | the New Notes will not be entitled to registration rights under the registration rights agreement or otherwise; 
 and                                                                                                             |

| • |     | because the New Notes will not be entitled to registration rights, holders of the New Notes will not have the                                                    
 right to additional interest under the circumstances described in