USCB (USCB) CFO reports 1,002-share tax-withholding transfer and large option holdings

Rhea-AI Filing Summary

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.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Anderson Robert B.

(Last) (First) (Middle)

C/O USCB FINANCIAL HOLDINGS, INC.

2301 N.W. 87TH AVENUE

(Street)

DORAL FL 33172

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
USCB FINANCIAL HOLDINGS, INC. [ USCB ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP and CFO

3. Date of Earliest Transaction (Month/Day/Year)
03/08/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Class A Voting Common Stock	03/08/2026		F		1,002	D	$18.45	122,699(1)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Options to Purchase Class A Voting Common Stock	$8.75							09/10/2021(2)	09/10/2030	Class A Voting Common Stock	30,000		30,000	D
Options to Purchase Class A Voting	$12.05							09/27/2022(3)	09/27/2031	Class A Voting Common Stock	60,000		60,000	D

Explanation of Responses:

1. Includes 5,861 shares of restricted stock from a grant of 8,792 shares which commenced vesting at a rate of one-third per year on January 21, 2026, 1,375 shares of restricted stock from a grant of 4,127 shares which commenced vesting at a rate of one-third per year on January 22, 2025, 8,333 shares of restricted stock from a grant of 25,000 shares which commenced vesting at a rate of one-third per year on December 31, 2024 and 8,878 shares of restricted stock which vest at a rate of one-third per year commencing on January 27, 2027.

2. The options vested at a rate of one-third per year commencing on September 10, 2021.

3. The options vested at a rate of one-third per year commencing on September 27, 2022.

	/s/ Robert Anderson	03/10/2026
	** Signature of Reporting Person	Date
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FAQ

What insider transaction did USCB EVP and CFO Robert Anderson report?

Robert Anderson reported a tax-related disposition of 1,002 shares of USCB Class A Voting Common Stock at $18.45 per share. The shares were delivered to satisfy tax obligations tied to equity compensation rather than sold in an open-market trade.

How many USCB shares does Robert Anderson hold after this Form 4 filing?

After the tax-withholding transaction, Robert Anderson holds 122,699 shares of USCB Class A Voting Common Stock directly. This balance reflects his remaining equity stake following delivery of 1,002 shares to cover tax liabilities associated with his compensation.

What stock options does USCB CFO Robert Anderson currently have outstanding?

Robert Anderson holds options tied to 30,000 USCB shares at $8.75 expiring 2030-09-10 and 60,000 shares at $12.05 expiring 2031-09-27. These option awards provide potential future share ownership if exercised before expiration.

Were Robert Anderson’s USCB transactions open-market buys or sales?

The reported 1,002-share transaction is a tax-withholding disposition, not an open-market buy or sale. Shares were delivered to satisfy tax obligations on equity compensation, which is typically considered a routine, non-discretionary administrative transaction for insiders.

What restricted stock awards are included in Robert Anderson’s USCB holdings?

His holdings include restricted stock from several grants, vesting one-third per year from 2024, 2025, 2026, and commencing again in 2027. These time-based vesting schedules align compensation with ongoing service and create staggered future share deliveries.

Does this USCB Form 4 show any new option exercises by Robert Anderson?

The filing does not report new option exercises; it lists existing option holdings and one tax-withholding disposition of common stock. The derivative section confirms outstanding options with exercise prices of $8.75 and $12.05 and future expiration dates.