USCB (USCB) EVP Nicholas Bustle logs tax-share withholding and large option stakes

Rhea-AI Filing Summary

USCB Financial Holdings executive Nicholas Bustle, EVP and Chief Lending Officer, reported a Form 4 transaction in Class A voting common stock on January 22, 2026. The filing shows 322 shares of Class A voting common stock disposed of at $20.70 per share under transaction code F, typically used for shares withheld to cover taxes on equity awards. After this transaction, Bustle directly held 40,401 shares of Class A voting common stock, which include several tranches of restricted stock that vest in equal annual installments beginning on dates in 2024, 2025 and 2026. He also indirectly owned 9,820 shares through his daughters and 6,250 shares through his spouse, and held stock options for 30,000 shares exercisable at $11.35 until April 17, 2029 and 40,000 shares at $12.05 until September 27, 2031, each vesting in thirds over three years.

Insider Trade Summary

5 transactions reported

Mixed 5 txns

Insider BUSTLE NICHOLAS

Role EVP and Chief Lending Officer

Type	Security	Shares	Price	Value
Tax Withholding	Class A Voting Common Stock	322	$20.70	$7K
holding	Stock Option (Right to Buy)	--	--	--
holding	Stock Option (Right to Buy)	--	--	--
holding	Class A Voting Common Stock	--	--	--
holding	Class A Voting Common Stock	--	--	--

Holdings After Transaction: Class A Voting Common Stock — 40,401 shares (Direct); Stock Option (Right to Buy) — 30,000 shares (Direct); Class A Voting Common Stock — 9,820 shares (Indirect, By daughters)

Footnotes (1)

1. Includes 4,631 shares of restricted stock from a grant of 6,947 shares which commenced vesting at a rate of one-third per year on January 21, 2026, 1,087 shares of restricted stock from a grant of 3,261 shares which commenced vesting at a rate of one-third per year on January 22, 2025, 2,039 shares of restricted stock from a grant of 6,117 shares which commenced vesting at a rate of one-third per year on March 8, 2024 and 13,333 shares of restricted stock from a grant of 20,000 shares which commenced vesting at a rate of one-third per year on October 28, 2025. The stock options vested at the rate of one-third per year commencing on April 17, 2020. The stock options vest at the rate of one-third per year commencing on September 27, 2022.

Form 4 Insider Transactions: What Each Field Means →

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

OMB APPROVAL

OMB Number:			3235-0287
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hours per response:			0.5

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^*

BUSTLE NICHOLAS

(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 Chief Lending Officer

3. Date of Earliest Transaction (Month/Day/Year)
01/22/2026

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	01/22/2026		F		322	D	$20.7	40,401(1)	D
Class A Voting Common Stock								9,820	I	By daughters
Class A Voting Common Stock								6,250	I	By spouse

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
Stock Option (Right to Buy)	$11.35							04/17/2020(2)	04/17/2029	Common Stock	30,000		30,000	D
Stock Option (Right to Buy)	$12.05							09/27/2022(3)	09/27/2031	Common Stock	40,000		40,000	D

Explanation of Responses:

1. Includes 4,631 shares of restricted stock from a grant of 6,947 shares which commenced vesting at a rate of one-third per year on January 21, 2026, 1,087 shares of restricted stock from a grant of 3,261 shares which commenced vesting at a rate of one-third per year on January 22, 2025, 2,039 shares of restricted stock from a grant of 6,117 shares which commenced vesting at a rate of one-third per year on March 8, 2024 and 13,333 shares of restricted stock from a grant of 20,000 shares which commenced vesting at a rate of one-third per year on October 28, 2025.

2. The stock options vested at the rate of one-third per year commencing on April 17, 2020.

3. The stock options vest at the rate of one-third per year commencing on September 27, 2022.

	/s/ Robert Anderson by P.O.A. for Nicholas Bustle	01/26/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did USCB EVP Nicholas Bustle report on this Form 4 for USCB?

Nicholas Bustle reported the disposition of 322 shares of USCB Class A voting common stock on January 22, 2026 at a price of $20.70 per share, coded as transaction type F.

How many USCB shares does Nicholas Bustle hold directly after the January 22, 2026 transaction?

Following the reported transaction, Nicholas Bustle directly held 40,401 shares of USCB Class A voting common stock, including multiple grants of restricted stock that vest in equal annual installments.

What indirect USCB share ownership is reported for Nicholas Bustle and how is it held?

The filing shows indirect ownership of 9,820 shares of USCB Class A voting common stock held by daughters and 6,250 shares held by spouse, both reported as indirect beneficial ownership.

What USCB stock options does Nicholas Bustle report holding on this Form 4?

He reports a stock option for 30,000 shares of common stock at an exercise price of $11.35 expiring on April 17, 2029, and another for 40,000 shares at $12.05 expiring on September 27, 2031, each vesting one-third per year.

How are Nicholas Bustle’s restricted stock awards in USCB structured?

The explanation notes restricted stock components within the 40,401 direct shares, including grants of 6,947, 3,261, 6,117, and 20,000 shares that commenced vesting at one-third per year on January 21, 2026, January 22, 2025, March 8, 2024, and October 28, 2025, respectively.

What do the vesting terms of Nicholas Bustle’s USCB stock options indicate?

One option grant vests at one-third per year starting April 17, 2020, and the other vests at one-third per year starting September 27, 2022, providing a staggered schedule for when the options become exercisable.