Uscb Fincl SEC Filings

USCB Financial Holdings insider report: The Form 4 shows that on 09/02/2025 reporting persons affiliated with Patriot Financial Partners sold a total of 1,200,000 shares of Class A Voting Common Stock at $17.19 per share, reducing the combined beneficial holdings reported on this filing to 3,285,909 shares. The filing states that Patriot Fund II sold 1,074,616 shares and Patriot Parallel Fund II sold 125,384 shares to the issuer. It also discloses that W. Kirk Wycoff holds outstanding options exercisable for 7,500 and 4,000 shares at exercise prices of $7.50 and $11.35, respectively, subject to standard director option terms.

Priam Capital and affiliated parties report holding a significant stake in USCB Financial Holdings, Inc.'s Class A common stock. The filing shows Priam Capital Fund II, LP beneficially owns 4,018,309 shares, equal to 20.0% of Class A stock based on 20,078,385 shares outstanding as of July 31, 2025. Howard Feinglass, as managing member, is reported to beneficially own 4,036,123 shares or 20.1% (assuming exercise of certain options).

The amendment notes a distribution on September 2, 2025 of 500,000 Class A shares from the Fund to two unaffiliated limited partners for no consideration. Voting and dispositive power is largely reported as shared rather than sole.

Patriot Financial Group II and related persons report beneficial ownership of 3,297,409 shares of USCB Financial Holdings, Inc. Class A common stock, representing 16.4% of the outstanding Class A shares (based on 20,078,385 shares outstanding as of July 31, 2025). The filing amends a prior Schedule 13D and discloses shared voting and dispositive power over 3,285,909 shares for certain Patriot entities and individuals; W. Kirk Wycoff also holds 11,500 shares of sole voting and dispositive power representing director options.

The amendment also discloses that on September 2, 2025 Patriot Financial Partners II, L.P. agreed to sell 1,074,616 shares to the company and Patriot Financial Partners Parallel II, L.P. agreed to sell 125,384 shares to the company at $17.19 per share, and that a Stock Repurchase Agreement dated September 2, 2025 is filed as an exhibit.

Howard P. Feinglass, a director and reported 10% owner of USCB Financial Holdings, disposed of 500,000 Class A Voting Common Stock shares on 09/02/2025. The filing states Priam Capital Fund II, L.P. distributed those shares to unaffiliated limited partners for no consideration. After the reported transaction, the filing shows beneficial ownership positions of 4,018,309 shares indirectly (held by Priam Capital Fund II) and 6,314 shares directly for the reporting persons. The report also lists outstanding director-granted options exercisable for 7,500 and 4,000 Class A shares with exercise prices of $7.50 and $11.35 respectively, and standard post-employment exercisability limitations. The signatures show the Form was executed on 09/04/2025 by Robert Anderson as P.O.A. for Mr. Feinglass.

USCB Financial Holdings, Inc. filed a Form D notice reporting a Regulation D exempt offering for a total offering amount of $40,000,000, which the filing shows as fully sold with $40,000,000 received and $0 remaining. The issuer is a Florida corporation formed in 2021 with principal offices in Doral, Florida. The offering relied on Rule 506(b) and was a debt offering with a minimum external investor subscription of $100,000. The filing lists 19 investors to date, estimated sales commissions of $400,000, and Piper Sandler & Co. identified in the broker/dealer section. The issuer certified that no proceeds are proposed to be used for payments to named officers, directors or promoters ($0 reported).

USCB Financial Holdings (USCB) Q2-25 10-Q snapshot:

Net income rose 31% YoY to $8.1 m, lifting diluted EPS to $0.40. Net interest income jumped 22% to $21.0 m as interest expense was essentially flat, expanding margin despite an 8% larger funding base. Six-month profit reached $15.8 m (+46% YoY) and YTD dividends doubled to $0.20 per share.

Loans grew 7% year-to-date to $2.11 bn, deposits 7% to $2.34 bn, while FHLB advances fell 34% to $108 m. Total assets stand at $2.72 bn (+5%), and tangible book value climbed 8% to $231.6 m (~$11.54/sh). Operating costs increased 9%, but revenue growth pushed the efficiency ratio near 55%.

Credit quality remains stable: allowance coverage is 1.18% of loans after a $1.7 m YTD provision and $0.7 m charge-offs (20 bp annualized). CRE exposure is still high at 57% of the loan book.

Market-value pressures persist: unrealized losses total $47.2 m on AFS and $16.5 m on HTM securities, keeping AOCI at –$41.8 m. Cash balances declined to $54.8 m as excess funds were redeployed into loans and securities.

Outlook: Rising loan volume and disciplined deposit pricing support further earnings momentum, but rate volatility and CRE concentration remain key watch-points.