Welcome to our dedicated page for Uscb Fincl SEC filings (Ticker: USCB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The USCB Financial Holdings, Inc. (NASDAQ: USCB) SEC filings page provides access to the company’s official regulatory documents as filed with the U.S. Securities and Exchange Commission. USCB Financial Holdings, Inc. is the bank holding company for U.S. Century Bank, a community bank established in 2002 and described as one of the largest community banks headquartered in Miami and in the State of Florida. Through its filings, the company reports detailed information on its commercial banking activities, financial condition, and risk profile.
Key filings for USCB include annual reports on Form 10-K and quarterly reports on Form 10-Q, which present audited or unaudited financial statements, net interest income, non-interest income and expense, allowance for credit losses, and discussions of asset quality, capital ratios, and concentrations in areas such as South Florida commercial real estate. Current reports on Form 8-K disclose material events, including earnings releases, investor presentations, stock repurchase agreements, subordinated note issuances, and other significant corporate actions.
Investors can also review filings that describe capital management and funding, such as the Subordinated Note Purchase Agreement for fixed-to-floating rate subordinated notes due 2035, and stock repurchase agreements with institutional shareholders. These documents outline the terms of the securities, intended use of proceeds, and their treatment for regulatory capital purposes.
On Stock Titan, USCB filings are supplemented with AI-powered summaries that highlight the main points of lengthy documents, helping users quickly understand changes in earnings, capital, liquidity, and risk factors without reading every page. Real-time updates from EDGAR ensure that new 10-K, 10-Q, and 8-K filings appear promptly, while insider transaction reports on Form 4 and proxy-related materials, when filed, can be used to study executive share activity and governance matters. This page is designed to make USCB’s regulatory history easier to navigate and interpret for investors, analysts, and anyone researching the company’s community banking operations.
USCB Financial Holdings EVP and Chief Risk Officer Maricarmen Logrono received a grant of 15,000 shares of Class A Voting Common Stock as restricted stock on January 27, 2026. The award was granted at no cash cost and will vest in equal one-third installments each year starting on January 27, 2027.
After this grant, Logrono directly holds 30,892 shares of Class A Voting Common Stock, including previously granted restricted stock referenced in the footnotes. She also holds options to purchase 15,000 shares of Class A Voting Common Stock at an exercise price of $12.0500 per share, which vested in one-third annual installments beginning on September 27, 2021 and expire on September 27, 2031.
USCB Financial Holdings, Inc., the Miami-based holding company for U.S. Century Bank, reports a relationship-focused community banking model centered on small and mid-sized businesses in South Florida. Through 10 banking centers, it offers commercial and consumer deposits, lending, treasury services, and specialized products.
As of December 31, 2025, the company had $2.8 billion in total consolidated assets. It emphasizes niche lines such as SBA 7(a) and 504 lending, yacht financing, homeowner association banking, private client services, and correspondent banking with select Latin American and Caribbean institutions, supported by conservative credit practices and centralized underwriting.
USCB highlights strong regulatory oversight as a Florida state-chartered bank and Federal Reserve–regulated bank holding company, maintaining a "well-capitalized" status and acknowledging heightened supervision of its commercial real estate concentration, with commercial real estate loans at 370% of total risk-based capital and construction loans at 31% as of year-end 2025. Human capital is a strategic focus, with 205 full-time equivalent employees and programs aimed at diversity, internal promotion, training, and competitive benefits. The company remains an emerging growth company under the JOBS Act through December 31, 2026, allowing scaled disclosure and certain relief from internal control attestation requirements.
USCB Financial Holdings executive vice president and chief risk officer Maricarmen Logrono had 197 shares of Class A Voting Common Stock withheld on March 8, 2026 to cover tax obligations, at a value of $18.45 per share. This was reported as a tax-withholding disposition, not an open-market sale. After this entry, she directly holds 15,892 common shares, including multiple tranches of restricted stock that vest in annual thirds starting in 2025, 2026, and 2027. She also holds options to purchase 15,000 shares of Class A Voting Common Stock at an exercise price of $12.05 per share, expiring on September 27, 2031, which vested in thirds beginning on September 27, 2021.
USCB Financial Holdings EVP Martha Guerra-Kattou reported a disposition of 401 shares of Class A Voting Common Stock on March 8, 2026 to cover tax obligations, using shares rather than cash. After this tax-withholding transaction, she directly holds 40,638 common shares and has options to purchase 40,000 additional shares at $12.05 per share expiring on September 27, 2031.
USCB Financial Holdings EVP Oscar Gomez reported a tax-related share transfer involving 441 shares of Class A Voting Common Stock. These shares, valued at $18.45 each, were disposed of to cover a tax liability by delivering securities, rather than through an open-market sale.
After this transaction, Gomez directly holds 33,168 Class A Voting Common Stock shares. His position also includes vested and unexercised options to purchase 20,000 shares at $12.05 per share expiring on September 27, 2031, and 8,000 shares at $7.50 per share expiring on July 1, 2027.
USCB Financial Holdings executive vice president of operations and IT Andres Collazo exercised options to acquire 8,000 shares of Class A Voting Common Stock at $7.50 per share, then sold 8,000 shares at $18.27 per share. A further 429 shares were disposed of at $18.45 per share to cover tax obligations. After these transactions, he directly holds 32,521 shares and retains options over 30,000 additional shares at an exercise price of $12.05 per share expiring on September 27, 2031.
USCB Financial Holdings EVP and Chief Lending Officer Nicholas Bustle reported a small tax-related share disposition. On 2026-03-08, 497 shares of Class A Voting Common Stock were withheld at $18.45 per share to cover tax obligations, a non-market transaction classified as a tax-withholding disposition.
After this event, Bustle directly holds 46,919 Class A shares, with additional indirect holdings of 9,820 shares by his daughters and 6,250 shares by his spouse. He also retains stock options over 30,000 common shares at an exercise price of $11.35 expiring on 2029-04-17, and 40,000 common shares at $12.05 expiring on 2031-09-27, indicating a substantial remaining equity position.
USCB Financial Holdings EVP and CFO Robert B. Anderson reported a tax-related share transfer under a compensation award. On 2026-03-08, 1,002 shares of Class A Voting Common Stock were disposed of at $18.45 per share to cover tax obligations, leaving him with 122,699 directly held shares.
He also reports option holdings for 30,000 underlying shares at an exercise price of $8.75 expiring on 2030-09-10 and 60,000 underlying shares at $12.05 expiring on 2031-09-27, all held directly. Footnotes indicate multiple restricted stock grants that vest in equal annual installments beginning between 2024 and 2027, reflecting ongoing equity-based compensation.
USCB Financial Holdings President and CEO Luis de la Aguilera reported a tax-withholding disposition of 2,948 shares of Class A Voting Common Stock on March 8, 2026 at $18.45 per share. This reflects shares withheld to cover tax obligations, not an open-market sale.
After this event, he directly holds 242,945 common shares. He also holds stock options covering 40,000 shares at an exercise price of $11.35 expiring on September 23, 2029, and 160,000 shares at $12.05 expiring on September 27, 2031.