Company: USCB
Filing Date: 2025-05-02
Form Type: S-3
Source: 0001193125-25-111625
Chunk: 10

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-05-02
Form: S-3
Chunk 10
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 may add, update or change the terms and conditions of the securities as described in this prospectus. This summary is qualified in its entirety by reference to the applicable provisions
of the Florida Business Corporation Act, as amended (the “FBCA”), our Articles of Incorporation (the “Articles of Incorporation”), and our Amended and Restated Bylaws (the “Bylaws”) and applicable federal law. You are
urged to read those documents carefully. Copies of our Articles of Incorporation and Bylaws are incorporated by reference in this prospectus as exhibits to the registration statement of which this prospectus forms a part. See “Where You Can
Find More Information.”

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Description of the Securities the Selling Securityholders May Offer

In addition to the securities we may offer, the Selling Securityholders and their transferees may use this prospectus to offer and sell in one
or more secondary offerings up to 9,004,218 shares of Class A Common Stock held by the Selling Securityholders, which were received in transactions exempt from the registration requirements of the Securities Act. Pursuant to a Second Amended
and Restated Investment Agreement, dated February 19, 2015, by and between the Selling Securityholders and the Bank (the “Investment Agreement”), the Bank sold to the Selling Securityholders certain Class A common stock and
certain other securities which were subsequently exchanged or converted into Class A common stock of the Bank. Those shares of Class A common stock of the Bank were converted into shares of Class A Common Stock the Company pursuant to
the Reorganization.

The Selling Securityholders received registration rights pursuant to a registration rights agreement, dated
March 17, 2015, by and among the Bank, the Selling Securityholders and certain other shareholders of the Bank (the “Registration Rights Agreement”), as assigned to the Company pursuant to an Assignment and Assumption Agreement, dated
December 30, 2021, by and between the Bank and the Company (the “Assignment and Assumption Agreement”). The Selling Securityholders’ shares have been included in the registration statement of which this prospectus is a part in
satisfaction of registration rights we granted to the Selling Securityholders under the Registration Rights Agreement or as otherwise agreed between the Selling Securityholders and us.

Corporate Information

Our Class A
voting common stock is traded on Nasdaq under the symbol “USCB.” Our executive office is located at 2301 NW 87th Avenue, Doral, Florida 33172, and our