Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 3

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 3
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 exchange offer for an equal principal amount of New Notes.

Each broker-dealer that receives New Notes for its own account pursuant to the exchange offer must acknowledge that it will deliver a prospectus
meeting the requirements of the Securities Act in connection with any resale of such New Notes. A broker-dealer that acquired Old Notes because of market-making or other trading activities may use this prospectus, as supplemented or amended from
time to time, in connection with resales of the New Notes for a period of 180 days after the completion of the exchange offer. See “Plan of Distribution.”

Investing in our securities involves certain risks. See “ Risk Factors” beginning on page 9, as well as the risk factors contained in our Annual Report on Form 10-Kfor the fiscal year ended December 31, 2024, and our Quarterly Reports on Form 10-Qfor the fiscal quarters ended March 31, 2025, June 30, 2025 and September 30, 2025, and in the other reports filed by us with the Securities and Exchange Commission and incorporated by reference into this prospectus.

Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense. These securities are not savings or deposit accounts or other obligations of any bank and are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency.

The date of this prospectus is , 2025.

TABLE OF CONTENTS

| ABOUT THIS PROSPECTUS                                    |     |    i |
| WHERE YOU CAN FIND MORE INFORMATION                      |     |   ii |
| INFORMATION INCORPORATED BY REFERENCE                    |     |   ii |
| SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS        |     |   iv |
| SUMMARY                                                  |     |    1 |
| RISK FACTORS                                             |     |    9 |
| USE OF PROCEEDS                                          |     |   19 |
| THE EXCHANGE OFFER                                       |     |   20 |
| DESCRIPTION OF THE NOTES                                 |     |   30 |
| MATERIAL UNITED STATES FEDERAL INCOME TAX CONSIDERATIONS |     |   48 |
| PLAN OF DISTRIBUTION                                     |     |   49 |
| LEGAL MATTERS                                            |     |   50 |
| EXPERTS                                                  |     |   50 |
| INFORMATION NOT REQUIRED IN PROSPECTUS                   |