USCB updates investors on Q4 2025 results

USCB Financial Holdings, Inc. filed a Form 8-K to furnish materials related to its quarterly results.

Rhea-AI Filing Summary

USCB Financial Holdings, Inc. filed a Form 8-K to furnish materials related to its quarterly results. The company issued a press release announcing its financial results for the quarter ended December 31, 2025, which is attached as Exhibit 99.1, and will host an earnings conference call at 11:00 a.m. ET on January 23, 2026 to discuss its performance for that quarter.

USCB also provided an earnings presentation, attached as Exhibit 99.2 and posted on its investor relations website, to accompany the call. Both the press release and the presentation are being furnished rather than filed, which limits their use for certain legal liability and incorporation-by-reference purposes under the federal securities laws.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did USCB (USCB) disclose in this Form 8-K?

USCB Financial Holdings, Inc. furnished a press release announcing its financial results for the quarter ended December 31, 2025, and an accompanying earnings presentation.

Which exhibits did USCB (USCB) include with this 8-K filing?

The filing includes Exhibit 99.1, a press release dated January 22, 2026, and Exhibit 99.2, an earnings presentation dated January 22, 2026, plus an Inline XBRL cover page file.

When will USCB (USCB) hold its earnings conference call?

USCB Financial Holdings, Inc. plans to hold an earnings conference call at 11:00 a.m. ET on January 23, 2026 to discuss results for the quarter ended December 31, 2025.

Where can investors find the USCB (USCB) earnings presentation?

The earnings presentation is furnished as Exhibit 99.2 and is also posted on the company’s investor relations website at investors.uscenturybank.com.

Are the USCB (USCB) press release and slides considered filed with the SEC?

No. The press release and presentation are being furnished, not filed, so they are not subject to Section 18 liability and are not incorporated into other filings unless specifically referenced.

What period do the latest USCB (USCB) financial results cover?

The press release and earnings discussion relate to USCB Financial Holdings, Inc.’s financial results for the quarter ended December 31, 2025.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 01/22/2026 - 04:06 PM Learn about SEC filing dates

0001901637 False ☐ ☐ ☐ ☐ 0001901637 2026-01-22 2026-01-22

1

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

__________________________

FORM

8-K

__________________________

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported):

January 22, 2026

__________________________

USCB Financial Holdings, Inc.

(Exact name of Registrant as Specified in Its Charter)

__________________________

Florida

001-41196

87-4070846

(State or Other Jurisdiction

of Incorporation)

(Commission File Number)

(IRS Employer

Identification No.)

2301 N.W. 87th Avenue

,

Doral

,

Florida

33172

(Address of Principal Executive Offices)

(Zip Code)

Registrant’s Telephone Number, Including Area Code: (

305

)

715-5200

__________________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under

any of the following provisions:

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a -12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading

Symbol(s)

Name of each exchange on which registered

Class A common stock, $1.00 par value per share

USCB

The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933

(§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b -2 of this chapter).

Emerging growth company

☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for

complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

☐

2

Item 2.02. Results of Operations and Financial Condition.

On January 22, 2026, USCB Financial Holdings, Inc. (the “Company”) issued a press release announcing its financial results

for the quarter ended December 31, 2025. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K

(“Form 8-K”) and is incorporated herein by reference.

The information in this Item 2.02, including Exhibit 99.1 hereto, is being furnished and shall not be deemed “filed” for purposes

of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), or otherwise be subject to the liability of that section, and

shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933 (the “Securities Act”) or the

Exchange Act except as expressly set forth by specific reference in such filing to this Form 8-K.

Item 7.01. Regulation FD Disclosure.

As previously announced, at 11:00 a.m. ET on January 23, 2026, the Company will hold an earnings conference call to discuss

its financial performance for the quarter ended December 31, 2025. A copy of the slides forming the basis of the presentation is being

furnished as Exhibit 99.2 to this Form 8-K and is incorporated herein by reference. A copy of the slides has also been posted to the

Company’s investor relations website, located at investors.uscenturybank.com.

The information in this Item 7.01, including Exhibit 99.2 hereto, is being furnished and shall not be deemed “filed” for purposes

of Section 18 of the Exchange Act, or otherwise be subject to the liability of that section, and shall not be deemed to be incorporated by

reference into any filing under the Securities Act or the Exchange Act except as set forth by specific reference in such filing to this Form

8-K.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No.

Description

99.1

USCB Financial Holdings, Inc. Press Release, dated January 22, 2026

99.2

Earnings Presentation, dated January 22, 2026

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

3

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on

its behalf by the undersigned hereunto duly authorized.

USCB Financial Holdings, Inc.

By:

/s/ Robert Anderson

Name:

Robert Anderson

Title:

Chief Financial Officer

Date: January 22, 2026