# EDGAR Filing Document

**Accession Number:** 0001901637
**File Stem:** 0001562762-26-000027
**Filing Date:** 2026-3
**Character Count:** 57266
**Document Hash:** 526c2312b89caf6d2ee5a62f750a19aa
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001562762-26-000027.hdr.sgml**: 20260313

**ACCESSION NUMBER**: 0001562762-26-000027

**CONFORMED SUBMISSION TYPE**: 10-K

**PUBLIC DOCUMENT COUNT**: 127

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260313

**DATE AS OF CHANGE**: 20260313

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** USCB FINANCIAL HOLDINGS, INC.
- **CENTRAL INDEX KEY:** 0001901637
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 874070846
- **STATE OF INCORPORATION:** FL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 10-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-41196
- **FILM NUMBER:** 26751388

**BUSINESS ADDRESS:**
- **STREET 1:** 2301 NW 87TH AVENUE
- **CITY:** DORAL
- **STATE:** FL
- **ZIP:** 33172
- **BUSINESS PHONE:** (305) 715-5200

**MAIL ADDRESS:**
- **STREET 1:** 2301 NW 87TH AVENUE
- **CITY:** DORAL
- **STATE:** FL
- **ZIP:** 33172

## Exhibit 10.6

#### Exhibit 10.06

#### AMENDED AND RESTATED

#### CHANGE

#### IN

#### CONTROL AGREEMENT
THIS AMENDED AND RESTATED CHANGE IN CONTROL AGREEMENT (the "Agreement") is

made

as of the 10th day of December, 2025

by and between U.S. Century Bank, with Corporate Offices located at

2301 NW 87

th

Ave., Doral, FL 33172 (hereinafter called the "Bank") and Mr. William Turner ("Executive").

#### WHEREAS,
Executive is presently employed as the Executive Vice President/Chief Credit Officer of

the Bank;

the Bank and Executive previously entered into a Change in Control Agreement dated as

of May 2, 2024 (the "Prior Agreement");

upon consideration, the Bank and Executive wish to adopt certain mutually agreed

revisions to the Prior Agreement; and

as consideration for Executive's continued employment with the Bank as Executive Vice

President/Chief Credit Officer the parties hereto, intending to be legally bound, agree as follows:1.

Payment Upon Change in Control. In the event of a Change in Control (as defined herein) during

the term of this Agreement, the Bank agrees to pay Executive a cash payment equal to one times

the Base Annual Salary of Executive received during the one (1) year period prior to the Change

in Control, to be paid within thirty (30) days of the consummation of the Change in Control.

The

Bank's provision of this benefit to Executive is made without regard to whether, or for how

long, Executive remains employed with the surviving company subsequent to the Change in

Control. 2.

Change in Control. "Change in Control" shall mean the occurrence of an event described in (i),

(ii), (iii), or (iv) below: (i)

Any person or group (within the meaning of Sections 13(d) and 14(d) of the Securities

Exchange Act of 1934, as amended (the "Exchange Act"), other than USCB Financial

Holdings, Inc. (the "Company"), an affiliate of the Company or a trustee or other fiduciary

holding securities under an employee benefit plan of the

Company or the

Bank or a

corporation owned directly or indirectly by the stockholders of the

Company

in

substantially the same proportions as their ownership of stock of the Company, becomes

the beneficial owner (within the meaning of Rule 13(d)(3) under the Exchange Act,

directly or indirectly (which shall include securities issuable upon conversion, exchange

or

otherwise) or securities representing 50% or more of the combined voting power of the

Company's or the Bank's then-outstanding securities entitled generally to vote for the

election of directors. (ii)

Consummation of an agreement to merge or consolidate with another entity (other than a

majority-controlled subsidiary of the Company) unless the Company's stockholders

immediately before the merger or consolidation own more than 50% of the combined

voting

power

of the resulting entity's voting securities (giving effect to the conversion or

exchange of securities issued in the merger or consolidation to the other entity that are

convertible or exchangeable for voting securities) entitled generally to vote for the election

of directors. (iii)

Consummation of an agreement (including, without limitation, an agreement of

liquidation) to sell or otherwise dispose of all or substantially all of the business or assets

of the Company or the Bank; or (iv)

Individuals who, as of the date hereof, constitute the Board of Directors of the Company

(the "

Incumbent

Board") cease for any reason during any 12 month period to

constitute at least a majority of the Board, provided that any person becoming a director

subsequent to the date hereof whose election or nomination for election by the

stockholders

of the Company

is approved by a vote of at least a majority of directors then

constituting the

Incumbent Board shall be, for purposes of this Agreement, considered as

though such person were a member of the Incumbent Board.

Notwithstanding the foregoing, no event shall constitute a Change in Control unless such event

shall also constitute a change in control as defined in Section 409A of the Internal Revenue

Code of 1986, as amended. 3.

Severability. Should any provision of this Agreement be declared or determined by any court

of competent jurisdiction to be unenforceable or invalid for any reason, the validity of the

remaining parts, term or provisions of this Agreement shall not be affected thereby and the

invalid or unenforceable part, term or provision shall be deemed not to be a part of this

Agreement. 4.

Applicable Law/Forum. This Agreement has been entered into and shall be governed by and

construed under the internal laws of the State of Florida, without regard to conflicts of laws or

principles. All suits, proceedings and other actions relating to, arising out of or in connection

with this Agreement will be submitted solely to the in personam jurisdiction of the United States

District Court for the Southern District of Florida ("Federal Court") or to the Circuit Court in

Broward County or MiamiDade County. Executive hereby waives any claims against or

objections to such in personam jurisdiction and venue. 5.

Notice. All notices and other communications hereunder shall be in writing and shall be

deemed to have been given only if and when personally delivered or three (3) business days

after mailing, postage prepaid, registered or certified mail, or when delivered (and receipted

for) by an express delivery service, addressed in each case as follows. As to notices provided

to the Bank, notices shall be sent to the Human Resources Department at the address of the

Bank listed in the introductory paragraph of this Agreement. As to notices to Executive, notices

shall be sent to

the

address provided below in the signature block hereto. Executive and the Bank

may change the address for the giving of notices. 6.

Complete Agreement. This Agreement represents the complete agreement between Executive

and the Bank regarding the subject matter of this Agreement.

All prior agreements between

the Bank and Executive with respect to the specific matters agreed to herein, including without

limitation, the Prior Agreement, are hereby superseded and shall have no force or effect.

This

Agreement is in no way dependent upon the performance of any other contract or agreement

that may have been or may be entered into between Executive and the Bank and remains in

effect during the pendency of this Agreement. As such, the breach or alleged breach of any

other contract or agreement is no defense to enforcement of this Agreement. 7.

Amendments in Writing. No amendment, modification, waiver, or other change to this

Agreement shall in any event be effective unless the same shall be in writing, specifically

identifying this Agreement and the provision intended to be changed and signed by

the

Bank

and Executive, and each such change shall be effective only in the specific instance and for the

specific purpose for which it is given. No provision of this Agreement shall be varied,

contradicted or explained by any oral agreement, course of dealing or performance or any other

matter not set forth in an agreement in writing and signed by Executive and the Bank. 8.

Term of the Agreement.

Subject to the terms hereof, the term of this Agreement shall commence

on the date hereof and terminate on December 31, 2028 (the

"Initial

Term

").

Prior to December

31, 2026 (the

"

Extension Anniversary Date

") and each annual anniversary thereafter of the

Extension Anniversary Date, the Board of Directors of the Bank or the Compensation

Committee thereof shall consider and review (with appropriate corporate documentation

thereof, and after taking into account all relevant factors, including Executive's performance

hereunder) a one-year extension of the term of this Agreement. If the Board of Directors or

the Compensation Committee thereof approve such an extension, then the term of this

Agreement shall be so extended as of the Extension Anniversary Date or any relevant annual

anniversary of such date unless Executive gives written notice to the Bank of Executive's

election not to extend the term, with such written notice to be given not less than thirty (30)

days prior to the Extension Anniversary Date or any relevant annual anniversary of such date.

If the Board of Directors elects not to extend the term, it shall give written notice of such

decision to Executive not less than thirty (30) days prior to the Extension Anniversary Date

or any annual anniversary of such date. If any party gives timely notice that the term will not

be extended as of the Extension Anniversary Date or any annual anniversary of such date,

then this Agreement and the rights and obligations provided herein shall terminate at the

conclusion of its remaining term. References herein to the term of this Agreement shall refer

both to the Initial Term and successive terms as the term of this Agreement is extended in

accordance with the terms hereof.9.

Regulatory Actions

#### .
The following provisions shall be applicable to the parties hereto or any

successor thereto, and shall be controlling in the event of a conflict with any other provision

of this Agreement, including without limitation Section 1 hereof:(i)

If Executive is suspended from office and/or temporarily prohibited from participating in

the conduct of the Bank's affairs pursuant to notice served under Section 8(e)(3) or Section

8(g)(1) of the Federal Deposit Insurance Act ("

FDIA

")(12 U.S.C. §§1818(e)(3) and

1818(g)(1)), the Bank's obligations under this Agreement shall be suspended as of the date

of service, unless stayed by appropriate proceedings. If the charges in the notice are

dismissed, the Bank will: (i) pay Executive all or part of the compensation withheld while

its obligations under this Agreement were suspended, and (ii) reinstate (in whole or in

part) any of its obligations which were suspended. (ii)

If Executive is removed from office and/or permanently prohibited from participating in

the conduct of the Bank's affairs by an order issued under Section 8(e)(4) or Section

8(g)(1) of the FDIA (12 U.S.C. §§1818(e)(4) and (g)(1)), all obligations of the Bank under

this Agreement shall terminate as of the effective date of the order, but vested rights of

Executive and the Bank as of the date of termination shall not be affected. (iii)

If the Bank is in default, as defined in Section 3(x)(1) of the FDIA (12 U.S.C. §1813(x)(1)),

all obligations under this Agreement shall terminate as of the date of default, but vested

rights of Executive and the Bank as of the date of termination shall not be affected. (iv)

Notwithstanding any other provision of this Agreement to the contrary, any payments

made to Executive pursuant to this Agreement, or otherwise, are subject to and conditioned

upon their compliance with Section 18(k) of the FDIA (12 U.S.C. §1828(k)) and 12 C.F.R.

Part 359. 10.

Nature of Obligations.

Nothing contained herein shall be deemed to create other than a

terminable at will employment relationship between the Bank and Executive, and the Bank may

terminate Executive's employment at any time, subject to providing any payments specified

herein in accordance with the terms hereof.11.

Acknowledgment. Executive acknowledges that Executive has read this Agreement in full and

completely understands all of its terms and obligations and enters into this Agreement freely

and voluntarily, and after having the opportunity to consult with representatives of

Executive's

own choosing and that Executive's agreement is freely given.

IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement as of the date first

above mentioned.

#### U.S. Century Bank Executive
By: /s/Jessica Goldberg /s/William Turner

Title: Senior Vice President/Director of Print Name: William Turner

Human Resources

Address: [Redacted]

## Exhibit 10.10

#### Exhibit 10.10

#### CHANGE

#### IN

#### CONTROL AGREEMENT
THIS CHANGE IN CONTROL AGREEMENT (the "Agreement") is made

as of the

nd

day of January 202

by and between U.S. Century Bank, with Corporate Offices located at 2301 NW 87

th

Ave., Doral, FL 33172

(hereinafter called the "Bank") and Mr. Andres Collazo ("Executive").

#### WHEREAS,
as consideration for Executive's continued employment with the Bank as Executive Vice

President/Director of Operations and Information Technology, the parties hereto, intending to be legally bound,

agree as follows: 1.

Payment Upon Change in Control. In the event of a Change in Control (as defined herein) during

the term of this Agreement, the Bank agrees to pay Executive a cash payment equal to one times

the Base Annual Salary of Executive received during the one (1) year period prior to the Change

in Control, to be paid within thirty (30) days of the consummation of the Change in Control.

The Bank's provision of this benefit to Executive is made without regard to whether, or for how

long, Executive remains employed with the surviving company subsequent to the Change in

Control. 2.

Change in Control. "Change in Control" shall mean the occurrence of an event described in (i),

(ii), (iii), or (iv) below: (i)

Any person or group (within the meaning of Sections 13(d) and 14(d) of the Securities

Exchange Act of 1934, as amended (the "Exchange Act"), other than USCB Financial

Holdings, Inc. (the "Company"), an affiliate of the Company or a trustee or other fiduciary

holding securities under an employee benefit plan of the Company or the Bank or a

corporation owned directly or indirectly by the stockholders of the Company in

substantially the same proportions as their ownership of stock of the Company, becomes

the beneficial owner (within the meaning of Rule 13(d)(3) under the Exchange Act,

directly or indirectly (which shall include securities issuable upon conversion, exchange

or otherwise) or securities representing 50% or more of the combined voting power of the

Company's or the Bank's then-outstanding securities entitled generally to vote for the

election of directors. (ii)

Consummation of an agreement to merge or consolidate with another entity (other than a

majority-controlled subsidiary of the Company) unless the Company's stockholders

immediately before the merger or consolidation own more than 50% of the combined

voting power of the resulting entity's voting securities (giving effect to the conversion or

exchange of securities issued in the merger or consolidation to the other entity that are

convertible or exchangeable for voting securities) entitled generally to vote for the election

of directors. (iii)

Consummation of an agreement (including, without limitation, an agreement of

liquidation) to sell or otherwise dispose of all or substantially all of the business or assets

of the Company or the Bank; or (iv)

Individuals who, as of the date hereof, constitute the Board of Directors of the Company

(the "Incumbent Board") cease for any reason during any 12 month period to constitute at

least a majority of the Board, provided that any person becoming a director subsequent to

the date hereof whose election or nomination for election by the stockholders of the

Company is approved by a vote of at least a majority of directors then constituting the

Incumbent Board shall be, for purposes of this Agreement, considered as though such

person were a member of the Incumbent Board.

Notwithstanding the foregoing, no event shall constitute a Change in Control unless such event

shall also constitute a change in control as defined in Section 409A of the Internal Revenue

Code of 1986, as amended.

2 3.

Severability. Should any provision of this Agreement be declared or determined by any court

of competent jurisdiction to be unenforceable or invalid for any reason, the validity of the

remaining parts, term or provisions of this Agreement shall not be affected thereby and the

invalid or unenforceable part, term or provision shall be deemed not to be a part of this

Agreement. 4.

Applicable Law/Forum. This Agreement has been entered into and shall be governed by and

construed under the internal laws of the State of Florida, without regard to conflicts of laws or

principles. All suits, proceedings and other actions relating to, arising out of or in connection

with this Agreement will be submitted solely to the in personam jurisdiction of the United States

District Court for the Southern District of Florida ("Federal Court") or to the Circuit Court in

Broward County or MiamiDade County. Executive hereby waives any claims against or

objections to such in personam jurisdiction and venue. 5.

Notice. All notices and other communications hereunder shall be in writing and shall be

deemed to have been given only if and when personally delivered or three (3) business days

after mailing, postage prepaid, registered or certified mail, or when delivered (and receipted

for) by an express delivery service, addressed in each case as follows. As to notices provided

to the Bank, notices shall be sent to the Human Resources Department at the address of the

Bank listed in the introductory paragraph of this Agreement. As to notices to Executive, notices

shall be sent to

the

address provided below in the signature block hereto. Executive and the Bank

may change the address for the giving of notices. 6.

Complete Agreement. This Agreement represents the complete agreement between Executive

and the Bank regarding the subject matter of this Agreement. All prior agreements between

the Bank and Executive with respect to the specific matters agreed to herein are hereby

superseded and shall have no force or effect. This Agreement is in no way dependent upon the

performance of any other contract or agreement that may have been or may be entered into

between Executive and the Bank and remains in effect during the pendency of this Agreement.

As such, the breach or alleged breach of any other contract or agreement is no defense to

enforcement of this Agreement. 7.

Amendments in Writing. No amendment, modification, waiver, or other change to this

Agreement shall in any event be effective unless the same shall be in writing, specifically

identifying this Agreement and the provision intended to be changed and signed by

the

Bank

and Executive, and each such change shall be effective only in the specific instance and for the

specific purpose for which it is given. No provision of this Agreement shall be varied,

contradicted or explained by any oral agreement, course of dealing or performance or any other

matter not set forth in an agreement in writing and signed by Executive and the Bank. 8.

Term of the Agreement. Subject to the terms hereof, the term of this Agreement shall

commence on the date hereof and terminate on December 31, 2028 (the "Initial Term"). Prior

to December 31, 2026 (the "Extension Anniversary Date") and each annual anniversary

thereafter of the Extension Anniversary Date, the Board of Directors of the Bank or the

Compensation Committee thereof shall consider and review (with appropriate corporate

documentation thereof, and after taking into account all relevant factors, including

Executive's performance hereunder) a one-year extension of the term of this Agreement. If

the Board of Directors or the Compensation Committee thereof approve such an extension,

then the term of this Agreement shall be so extended as of the Extension Anniversary Date

or any relevant annual anniversary of such date unless Executive gives written notice to the

Bank of Executive's election not to extend the term, with such written notice to be given not

less than thirty (30) days prior to the Extension Anniversary Date or any relevant annual

anniversary of such date. If the Board of Directors elects not to extend the term, it shall give

written notice of such decision to Executive not less than thirty (30) days prior to the

Extension Anniversary Date or any annual anniversary of such date. If any party gives timely

notice that the term will not be extended as of the Extension Anniversary Date or any annual

anniversary of such date, then this Agreement and the rights and obligations provided herein

shall terminate at the conclusion of its remaining term. References herein to the term of this

Agreement shall refer both to the Initial Term and successive terms as the term of this

Agreement is extended in accordance with the terms hereof. 9.

Regulatory Actions

#### .
The following provisions shall be applicable to the parties hereto or any

successor thereto, and shall be controlling in the event of a conflict with any other provision

of this Agreement, including without limitation Section 1 hereof: (i)

If Executive is suspended from office and/or temporarily prohibited from participating in

the conduct of the Bank's affairs pursuant to notice served under Section 8(e)(3) or Section

8(g)(1) of the Federal Deposit Insurance Act ("FDIA")(12 U.S.C. §§1818(e)(3) and

1818(g)(1)), the Bank's obligations under this Agreement shall be suspended as of the date

of service, unless stayed by appropriate proceedings. If the charges in the notice are

dismissed, the Bank will: (i) pay Executive all or part of the compensation withheld while

its obligations under this Agreement were suspended, and (ii) reinstate (in whole or in

part) any of its obligations which were suspended. (ii)

If Executive is removed from office and/or permanently prohibited from participating in

the conduct of the Bank's affairs by an order issued under Section 8(e)(4) or Section

8(g)(1) of the FDIA (12 U.S.C. §§1818(e)(4) and (g)(1)), all obligations of the Bank under

this Agreement shall terminate as of the effective date of the order, but vested rights of

Executive and the Bank as of the date of termination shall not be affected. (iii)

If the Bank is in default, as defined in Section 3(x)(1) of the FDIA (12 U.S.C. §1813(x)(1)),

all obligations under this Agreement shall terminate as of the date of default, but vested

rights of Executive and the Bank as of the date of termination shall not be affected. (iv)

Notwithstanding any other provision of this Agreement to the contrary, any payments

made to Executive pursuant to this Agreement, or otherwise, are subject to and conditioned

upon their compliance with Section 18(k) of the FDIA (12 U.S.C. §1828(k)) and 12 C.F.R.

Part 359. 10.

Nature of Obligations. Nothing contained herein shall be deemed to create other than a

terminable at will employment relationship between the Bank and Executive, and the Bank may

terminate Executive's employment at any time, subject to providing any payments specified

herein in accordance with the terms hereof. 11.

Acknowledgment. Executive acknowledges that Executive has read this Agreement in full and

completely understands all of its terms and obligations and enters into this Agreement freely

and voluntarily, and after having the opportunity to consult with representatives of Executive's

own choosing and that Executive's agreement is freely given.

IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement as of the date first

above mentioned.

#### U.S. Century Bank Executive
By:

/s/Jessica Goldberg

/s/Andres Collazo

Title:

Senior Vice President/Director of

Print Name: /s/Andres Collazo

Human Resources

Address: [Redacted]

## Exhibit 10.11

#### Exhi

#### bit 10.11

#### CHANGE

#### IN

#### CONTROL AGREEMENT
THIS CHANGE IN CONTROL AGREEMENT (the "Agreement") is made

as of the

th

day of December

5 by and between U.S. Century Bank, with Corporate Offices located at 2301 NW 87

th

Ave., Doral, FL 33172

(hereinafter called the "Bank") and Mr. Oscar Gomez ("Executive").

#### WHEREAS,
as consideration for Executive's continued employment with the Bank as Executive Vice

President/Head of Global Banking Division, the parties hereto, intending to be legally bound, agree as follows: 1.

Payment Upon Change in Control. In the event of a Change in Control (as defined herein) during

the term of this Agreement, the Bank agrees to pay Executive a cash payment equal to one times

the Base Annual Salary of Executive received during the one (1) year period prior to the Change

in Control, to be paid within thirty (30) days of the consummation of the Change in Control.

The Bank's provision of this benefit to Executive is made without regard to whether, or for how

long, Executive remains employed with the surviving company subsequent to the Change in

Control. 2.

Change in Control. "Change in Control" shall mean the occurrence of an event described in (i),

(ii), (iii), or (iv) below: (i)

Any person or group (within the meaning of Sections 13(d) and 14(d) of the Securities

Exchange Act of 1934, as amended (the "Exchange Act"), other than USCB Financial

Holdings, Inc. (the "Company"), an affiliate of the Company or a trustee or other fiduciary

holding securities under an employee benefit plan of the Company or the Bank or a

corporation owned directly or indirectly by the stockholders of the Company in

substantially the same proportions as their ownership of stock of the Company, becomes

the beneficial owner (within the meaning of Rule 13(d)(3) under the Exchange Act,

directly or indirectly (which shall include securities issuable upon conversion, exchange

or otherwise) or securities representing 50% or more of the combined voting power of the

Company's or the Bank's then-outstanding securities entitled generally to vote for the

election of directors. (ii)

Consummation of an agreement to merge or consolidate with another entity (other than a

majority-controlled subsidiary of the Company) unless the Company's stockholders

immediately before the merger or consolidation own more than 50% of the combined

voting power of the resulting entity's voting securities (giving effect to the conversion or

exchange of securities issued in the merger or consolidation to the other entity that are

convertible or exchangeable for voting securities) entitled generally to vote for the election

of directors. (iii)

Consummation of an agreement (including, without limitation, an agreement of

liquidation) to sell or otherwise dispose of all or substantially all of the business or assets

of the Company or the Bank; or (iv)

Individuals who, as of the date hereof, constitute the Board of Directors of the Company

(the "Incumbent Board") cease for any reason during any 12 month period to constitute at

least a majority of the Board, provided that any person becoming a director subsequent to

the date hereof whose election or nomination for election by the stockholders of the

Company is approved by a vote of at least a majority of directors then constituting the

Incumbent Board shall be, for purposes of this Agreement, considered as though such

person were a member of the Incumbent Board.

Notwithstanding the foregoing, no event shall constitute a Change in Control unless such event

shall also constitute a change in control as defined in Section 409A of the Internal Revenue

Code of 1986, as amended.

2 3.

Severability. Should any provision of this Agreement be declared or determined by any court

of competent jurisdiction to be unenforceable or invalid for any reason, the validity of the

remaining parts, term or provisions of this Agreement shall not be affected thereby and the

invalid or unenforceable part, term or provision shall be deemed not to be a part of this

Agreement. 4.

Applicable Law/Forum. This Agreement has been entered into and shall be governed by and

construed under the internal laws of the State of Florida, without regard to conflicts of laws or

principles. All suits, proceedings and other actions relating to, arising out of or in connection

with this Agreement will be submitted solely to the in personam jurisdiction of the United States

District Court for the Southern District of Florida ("Federal Court") or to the Circuit Court in

Broward County or MiamiDade County. Executive hereby waives any claims against or

objections to such in personam jurisdiction and venue. 5.

Notice. All notices and other communications hereunder shall be in writing and shall be

deemed to have been given only if and when personally delivered or three (3) business days

after mailing, postage prepaid, registered or certified mail, or when delivered (and receipted

for) by an express delivery service, addressed in each case as follows. As to notices provided

to the Bank, notices shall be sent to the Human Resources Department at the address of the

Bank listed in the introductory paragraph of this Agreement. As to notices to Executive, notices

shall be sent to

the

address provided below in the signature block hereto. Executive and the Bank

may change the address for the giving of notices. 6.

Complete Agreement. This Agreement represents the complete agreement between Executive

and the Bank regarding the subject matter of this Agreement. All prior agreements between

the Bank and Executive with respect to the specific matters agreed to herein are hereby

superseded and shall have no force or effect. This Agreement is in no way dependent upon the

performance of any other contract or agreement that may have been or may be entered into

between Executive and the Bank and remains in effect during the pendency of this Agreement.

As such, the breach or alleged breach of any other contract or agreement is no defense to

enforcement of this Agreement. 7.

Amendments in Writing. No amendment, modification, waiver, or other change to this

Agreement shall in any event be effective unless the same shall be in writing, specifically

identifying this Agreement and the provision intended to be changed and signed by

the

Bank

and Executive, and each such change shall be effective only in the specific instance and for the

specific purpose for which it is given. No provision of this Agreement shall be varied,

contradicted or explained by any oral agreement, course of dealing or performance or any other

matter not set forth in an agreement in writing and signed by Executive and the Bank. 8.

Term of the Agreement. Subject to the terms hereof, the term of this Agreement shall

commence on the date hereof and terminate on December 31, 2028 (the "Initial Term"). Prior

to December 31, 2026 (the "Extension Anniversary Date") and each annual anniversary

thereafter of the Extension Anniversary Date, the Board of Directors of the Bank or the

Compensation Committee thereof shall consider and review (with appropriate corporate

documentation thereof, and after taking into account all relevant factors, including

Executive's performance hereunder) a one-year extension of the term of this Agreement. If

the Board of Directors or the Compensation Committee thereof approve such an extension,

then the term of this Agreement shall be so extended as of the Extension Anniversary Date

or any relevant annual anniversary of such date unless Executive gives written notice to the

Bank of Executive's election not to extend the term, with such written notice to be given not

less than thirty (30) days prior to the Extension Anniversary Date or any relevant annual

anniversary of such date. If the Board of Directors elects not to extend the term, it shall give

written notice of such decision to Executive not less than thirty (30) days prior to the

Extension Anniversary Date or any annual anniversary of such date. If any party gives timely

notice that the term will not be extended as of the Extension Anniversary Date or any annual

anniversary of such date, then this Agreement and the rights and obligations provided herein

shall terminate at the conclusion of its remaining term. References herein to the term of this

Agreement shall refer both to the Initial Term and successive terms as the term of this

Agreement is extended in accordance with the terms hereof. 9.

Regulatory Actions

#### .
The following provisions shall be applicable to the parties hereto or any

successor thereto, and shall be controlling in the event of a conflict with any other provision

of this Agreement, including without limitation Section 1 hereof: (i)

If Executive is suspended from office and/or temporarily prohibited from participating in

the conduct of the Bank's affairs pursuant to notice served under Section 8(e)(3) or Section

8(g)(1) of the Federal Deposit Insurance Act ("FDIA")(12 U.S.C. §§1818(e)(3) and

1818(g)(1)), the Bank's obligations under this Agreement shall be suspended as of the date

of service, unless stayed by appropriate proceedings. If the charges in the notice are

dismissed, the Bank will: (i) pay Executive all or part of the compensation withheld while

its obligations under this Agreement were suspended, and (ii) reinstate (in whole or in

part) any of its obligations which were suspended. (ii)

If Executive is removed from office and/or permanently prohibited from participating in

the conduct of the Bank's affairs by an order issued under Section 8(e)(4) or Section

8(g)(1) of the FDIA (12 U.S.C. §§1818(e)(4) and (g)(1)), all obligations of the Bank under

this Agreement shall terminate as of the effective date of the order, but vested rights of

Executive and the Bank as of the date of termination shall not be affected. (iii)

If the Bank is in default, as defined in Section 3(x)(1) of the FDIA (12 U.S.C. §1813(x)(1)),

all obligations under this Agreement shall terminate as of the date of default, but vested

rights of Executive and the Bank as of the date of termination shall not be affected. (iv)

Notwithstanding any other provision of this Agreement to the contrary, any payments

made to Executive pursuant to this Agreement, or otherwise, are subject to and conditioned

upon their compliance with Section 18(k) of the FDIA (12 U.S.C. §1828(k)) and 12 C.F.R.

Part 359. 10.

Nature of Obligations. Nothing contained herein shall be deemed to create other than a

terminable at will employment relationship between the Bank and Executive, and the Bank may

terminate Executive's employment at any time, subject to providing any payments specified

herein in accordance with the terms hereof. 11.

Acknowledgment. Executive acknowledges that Executive has read this Agreement in full and

completely understands all of its terms and obligations and enters into this Agreement freely

and voluntarily, and after having the opportunity to consult with representatives of Executive's

own choosing and that Executive's agreement is freely given.

IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement as of the date first

above mentioned.

#### U.S. Century Bank Executive
By:

/s/Jessica Goldberg

/s/Oscar Gomez

Title:

Senior Vice President/Director of

Print Name: Oscar Gomez

Human Resources

Address: [Redacted]

## Exhibit 10.12

#### Exhibit 10.12

#### CHANGE

#### IN

#### CONTROL AGREEMENT
THIS CHANGE IN CONTROL AGREEMENT (the "Agreement") is made

as of the 29th day of December

5 by and between U.S. Century Bank, with Corporate Offices located at 2301 NW 87

th

Ave., Doral, FL 33172

(hereinafter called the "Bank") and Ms. Martha Guerra-Kattou ("Executive").

#### WHEREAS,
as consideration for Executive's continued employment with the Bank as Executive Vice

President/Director of Sales and Marketing, the parties hereto, intending to be legally bound, agree as follows: 1.

Payment Upon Change in Control. In the event of a Change in Control (as defined herein) during

the term of this Agreement, the Bank agrees to pay Executive a cash payment equal to one times

the Base Annual Salary of Executive received during the one (1) year period prior to the Change

in Control, to be paid within thirty (30) days of the consummation of the Change in Control.

The Bank's provision of this benefit to Executive is made without regard to whether, or for how

long, Executive remains employed with the surviving company subsequent to the Change in

Control. 2.

Change in Control. "Change in Control" shall mean the occurrence of an event described in (i),

(ii), (iii), or (iv) below: (i)

Any person or group (within the meaning of Sections 13(d) and 14(d) of the Securities

Exchange Act of 1934, as amended (the "Exchange Act"), other than USCB Financial

Holdings, Inc. (the "Company"), an affiliate of the Company or a trustee or other fiduciary

holding securities under an employee benefit plan of the Company or the Bank or a

corporation owned directly or indirectly by the stockholders of the Company in

substantially the same proportions as their ownership of stock of the Company, becomes

the beneficial owner (within the meaning of Rule 13(d)(3) under the Exchange Act,

directly or indirectly (which shall include securities issuable upon conversion, exchange

or otherwise) or securities representing 50% or more of the combined voting power of the

Company's or the Bank's then-outstanding securities entitled generally to vote for the

election of directors. (ii)

Consummation of an agreement to merge or consolidate with another entity (other than a

majority-controlled subsidiary of the Company) unless the Company's stockholders

immediately before the merger or consolidation own more than 50% of the combined

voting power of the resulting entity's voting securities (giving effect to the conversion or

exchange of securities issued in the merger or consolidation to the other entity that are

convertible or exchangeable for voting securities) entitled generally to vote for the election

of directors. (iii)

Consummation of an agreement (including, without limitation, an agreement of

liquidation) to sell or otherwise dispose of all or substantially all of the business or assets

of the Company or the Bank; or (iv)

Individuals who, as of the date hereof, constitute the Board of Directors of the Company

(the "Incumbent Board") cease for any reason during any 12 month period to constitute at

least a majority of the Board, provided that any person becoming a director subsequent to

the date hereof whose election or nomination for election by the stockholders of the

Company is approved by a vote of at least a majority of directors then constituting the

Incumbent Board shall be, for purposes of this Agreement, considered as though such

person were a member of the Incumbent Board.

Notwithstanding the foregoing, no event shall constitute a Change in Control unless such event

shall also constitute a change in control as defined in Section 409A of the Internal Revenue

Code of 1986, as amended.

2 3.

Severability. Should any provision of this Agreement be declared or determined by any court

of competent jurisdiction to be unenforceable or invalid for any reason, the validity of the

remaining parts, term or provisions of this Agreement shall not be affected thereby and the

invalid or unenforceable part, term or provision shall be deemed not to be a part of this

Agreement. 4.

Applicable Law/Forum. This Agreement has been entered into and shall be governed by and

construed under the internal laws of the State of Florida, without regard to conflicts of laws or

principles. All suits, proceedings and other actions relating to, arising out of or in connection

with this Agreement will be submitted solely to the in personam jurisdiction of the United States

District Court for the Southern District of Florida ("Federal Court") or to the Circuit Court in

Broward County or MiamiDade County. Executive hereby waives any claims against or

objections to such in personam jurisdiction and venue. 5.

Notice. All notices and other communications hereunder shall be in writing and shall be

deemed to have been given only if and when personally delivered or three (3) business days

after mailing, postage prepaid, registered or certified mail, or when delivered (and receipted

for) by an express delivery service, addressed in each case as follows. As to notices provided

to the Bank, notices shall be sent to the Human Resources Department at the address of the

Bank listed in the introductory paragraph of this Agreement. As to notices to Executive, notices

shall be sent to

the

address provided below in the signature block hereto. Executive and the Bank

may change the address for the giving of notices. 6.

Complete Agreement. This Agreement represents the complete agreement between Executive

and the Bank regarding the subject matter of this Agreement. All prior agreements between

the Bank and Executive with respect to the specific matters agreed to herein are hereby

superseded and shall have no force or effect. This Agreement is in no way dependent upon the

performance of any other contract or agreement that may have been or may be entered into

between Executive and the Bank and remains in effect during the pendency of this Agreement.

As such, the breach or alleged breach of any other contract or agreement is no defense to

enforcement of this Agreement. 7.

Amendments in Writing. No amendment, modification, waiver, or other change to this

Agreement shall in any event be effective unless the same shall be in writing, specifically

identifying this Agreement and the provision intended to be changed and signed by

the

Bank

and Executive, and each such change shall be effective only in the specific instance and for the

specific purpose for which it is given. No provision of this Agreement shall be varied,

contradicted or explained by any oral agreement, course of dealing or performance or any other

matter not set forth in an agreement in writing and signed by Executive and the Bank. 8.

Term of the Agreement. Subject to the terms hereof, the term of this Agreement shall

commence on the date hereof and terminate on December 31, 2028 (the "Initial Term"). Prior

to December 31, 2026 (the "Extension Anniversary Date") and each annual anniversary

thereafter of the Extension Anniversary Date, the Board of Directors of the Bank or the

Compensation Committee thereof shall consider and review (with appropriate corporate

documentation thereof, and after taking into account all relevant factors, including

Executive's performance hereunder) a one-year extension of the term of this Agreement. If

the Board of Directors or the Compensation Committee thereof approve such an extension,

then the term of this Agreement shall be so extended as of the Extension Anniversary Date

or any relevant annual anniversary of such date unless Executive gives written notice to the

Bank of Executive's election not to extend the term, with such written notice to be given not

less than thirty (30) days prior to the Extension Anniversary Date or any relevant annual

anniversary of such date. If the Board of Directors elects not to extend the term, it shall give

written notice of such decision to Executive not less than thirty (30) days prior to the

Extension Anniversary Date or any annual anniversary of such date. If any party gives timely

notice that the term will not be extended as of the Extension Anniversary Date or any annual

anniversary of such date, then this Agreement and the rights and obligations provided herein

shall terminate at the conclusion of its remaining term. References herein to the term of this

Agreement shall refer both to the Initial Term and successive terms as the term of this

Agreement is extended in accordance with the terms hereof. 9.

Regulatory Actions

#### .
The following provisions shall be applicable to the parties hereto or any

successor thereto, and shall be controlling in the event of a conflict with any other provision

of this Agreement, including without limitation Section 1 hereof: (i)

If Executive is suspended from office and/or temporarily prohibited from participating in

the conduct of the Bank's affairs pursuant to notice served under Section 8(e)(3) or Section

8(g)(1) of the Federal Deposit Insurance Act ("FDIA")(12 U.S.C. §§1818(e)(3) and

1818(g)(1)), the Bank's obligations under this Agreement shall be suspended as of the date

of service, unless stayed by appropriate proceedings. If the charges in the notice are

dismissed, the Bank will: (i) pay Executive all or part of the compensation withheld while

its obligations under this Agreement were suspended, and (ii) reinstate (in whole or in

part) any of its obligations which were suspended. (ii)

If Executive is removed from office and/or permanently prohibited from participating in

the conduct of the Bank's affairs by an order issued under Section 8(e)(4) or Section

8(g)(1) of the FDIA (12 U.S.C. §§1818(e)(4) and (g)(1)), all obligations of the Bank under

this Agreement shall terminate as of the effective date of the order, but vested rights of

Executive and the Bank as of the date of termination shall not be affected. (iii)

If the Bank is in default, as defined in Section 3(x)(1) of the FDIA (12 U.S.C. §1813(x)(1)),

all obligations under this Agreement shall terminate as of the date of default, but vested

rights of Executive and the Bank as of the date of termination shall not be affected. (iv)

Notwithstanding any other provision of this Agreement to the contrary, any payments

made to Executive pursuant to this Agreement, or otherwise, are subject to and conditioned

upon their compliance with Section 18(k) of the FDIA (12 U.S.C. §1828(k)) and 12 C.F.R.

Part 359. 10.

Nature of Obligations. Nothing contained herein shall be deemed to create other than a

terminable at will employment relationship between the Bank and Executive, and the Bank may

terminate Executive's employment at any time, subject to providing any payments specified

herein in accordance with the terms hereof. 11.

Acknowledgment. Executive acknowledges that Executive has read this Agreement in full and

completely understands all of its terms and obligations and enters into this Agreement freely

and voluntarily, and after having the opportunity to consult with representatives of Executive's

own choosing and that Executive's agreement is freely given.

IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement as of the date first

above mentioned.

#### U.S. Century Bank Executive
By:

/s/Jessica Goldber

g /s/Martha Guerra-Kattou

Title:

Senior Vice President/Director of

Print Name: Martha Guerra-Kattou

Human Resources

Address: [Redacted]

## Exhibit 21.1

#### Exhibit 21.1

#### SUBSIDIARY LIST
Subsidiary of USCB Financial Holdings, Inc.:

U.S. Century Bank, a Florida chartered banking corporation.

Subsidiary of U.S. Century Bank:

Florida Peninsula Title LLC

## Exhibit 23.1

#### Exhibit 23.1

#### CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
We consent to the incorporation by reference in the registration statement on Form S-8 (333-265498), Form S-3 (No 333-

286940), and From -4 (No 333-291367) of USCB Financial Holdings, Inc. of our report dated March 13, 2026, related to

the consolidated financial statements appearing in this Annual Report on Form 10-K of USCB Financial Holdings, Inc. for

the year ended December 31, 2025.

/s/ Crowe LLP

Fort Lauderdale, Florida

March 13, 2026

## Exhibit 31.1

#### Exhibit 31.1

#### Certification of Chief Executive Officer

#### Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
I, Luis de la Aguilera, certify that:

1. I have reviewed this Annual Report on Form 10-K of USCB Financial Holdings, Inc.;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact

necessary to make the statements made, in light of the circumstances under which such statements were made, not

misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all

material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods

presented in this report;

4. The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and

procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as

defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a)

designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be

designed under our supervision, to ensure that material information relating to the registrant, including its

consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which

this report is being prepared;

b)

designed such internal control over financial reporting, or caused such internal control over financial reporting to be

designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and

the preparation of financial statements for external purposes in accordance with generally accepted accounting

principles;

c)

evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our

conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered

by this report based on such evaluation; and

d)

disclosed in this report any change in the registrant's internal control over financial reporting that occurred during

the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an Annual Report) that

has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial

reporting; and

5. The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over

financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons

performing the equivalent functions):

a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial

reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and

report financial information; and

b)

Any fraud, whether or not material, that involves management or other employees who have a significant role in the

registrant's internal control over financial reporting.

/s/ Luis de la Aguilera

Luis de la Aguilera

Chairman, President, and Chief Executive Officer

Date: 3/13/2026

## Exhibit 31.2

#### Exhibit 31.2

#### Certification of Chief Financial Officer

#### Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
I, Robert Anderson, certify that:

1. I have reviewed this Annual Report on Form 10-K of USCB Financial Holdings, Inc.;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact

necessary to make the statements made, in light of the circumstances under which such statements were made, not

misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all

material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods

presented in this report;

4. The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and

procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as

defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a)

designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be

designed under our supervision, to ensure that material information relating to the registrant, including its

consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which

this report is being prepared;

b)

designed such internal control over financial reporting, or caused such internal control over financial reporting to be

designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and

the preparation of financial statements for external purposes in accordance with generally accepted accounting

principles;

c)

evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our

conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered

by this report based on such evaluation; and

d)

disclosed in this report any change in the registrant's internal control over financial reporting that occurred during

the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an Annual Report) that

has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial

reporting; and

5. The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over

financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons

performing the equivalent functions):

a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial

reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and

report financial information; and

b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the

registrant's internal control over financial reporting.

/s/ Robert Anderson

Robert Anderson

Chief Financial Officer

Date: 3/13/2026

## Exhibit 32.1

#### Exhibit 32.1

#### Certification of Chief Executive Officer Pursuant to 18 U.S.C. Section 1350

#### as Adopted Pursuant to Section 906 of the Sarbanes -Oxley Act of 2002
In connection with the Annual Report of USCB Financial Holdings, Inc. (the "Company") on Form 10-K for the year

ended December 31, 2025 (the "Report"), as filed with the Securities and Exchange Commission on the date hereof (the

"Report"), I, Luis de la Aguilera, as President and Chief Executive Officer of the Company, certify, to the best of my

knowledge, pursuant to 18 U.S.C. §1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

1) The Report fully complies with the requirements of Section 13(a) or 15(d), as applicable, of the Securities

Exchange Act of 1934; and

2) The information contained in the Report fairly presents, in all material respects, the financial condition and

results of operations of the Company.

/s/ Luis de la Aguilera

Luis de la Aguilera

Chairman, President, and Chief Executive Officer

Date: 3/13/2026

## Exhibit 32.2

#### Exhibit 32.2

#### Certification of Chief Financial Officer Pursuant to 18 U.S.C. Section 1350

#### as Adopted Pursuant to Section 906 of the Sarbanes -Oxley Act of 2002
In connection with the Annual Report of USCB Financial Holdings, Inc. (the "Company") on Form 10-K for the year

ended December 31, 2025 (the "Report"), as filed with the Securities and Exchange Commission on the date hereof (the

"Report"), I, Robert Anderson, as Chief Financial Officer of the Company, certify, to the best of my knowledge, pursuant to

18 U.S.C. §1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

1) The Report fully complies with the requirements of Section 13(a) or 15(d), as applicable, of the Securities

Exchange Act of 1934; and

2) The information contained in the Report fairly presents, in all material respects, the financial condition and

results of operations of the Company.

/s/ Robert Anderson

Robert Anderson

Chief Financial Officer

Date: 3/13/2026