USCB Financial Holdings (USCB) CFO logs 1,094-share insider trade

Rhea-AI Filing Summary

USCB Financial Holdings Executive VP and CFO Robert B. Anderson reported a disposition of 1,094 shares of Class A voting common stock on January 21, 2026 in a transaction coded "F" at a price of $20.38 per share. Following this transaction, he beneficially owned 115,337 shares of Class A voting common stock directly.

He also held options for 30,000 shares of Class A voting common stock at an exercise price of $8.75, expiring on September 10, 2030, and options for 60,000 shares at an exercise price of $12.05, expiring on September 27, 2031. The beneficially owned common shares include multiple restricted stock grants that vest in one-third annual installments beginning on various dates in 2024, 2025, and 2026.

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)
	Executive VP and CFO

3. Date of Earliest Transaction (Month/Day/Year)
01/21/2026

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	01/21/2026		F		1,094	D	$20.38	115,337(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 5,661 shares of restricted stock from a grant of 8,761 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, 2,683 shares of restricted stock from a grant of 8,051 shares which commenced vesting at a rate of one-third per year on March 8, 2024, and 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.

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	01/23/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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FAQ

What insider transaction did USCB (USCB) report for January 21, 2026?

On January 21, 2026, Executive VP and CFO Robert B. Anderson reported a disposition of 1,094 shares of USCB Financial Holdings Class A voting common stock at $20.38 per share in a transaction coded "F."

How many USCB Financial Holdings (USCB) shares does the CFO own after the Form 4 transaction?

After the reported transaction, Executive VP and CFO Robert B. Anderson beneficially owned 115,337 shares of USCB Financial Holdings Class A voting common stock directly.

What stock options does the USCB (USCB) CFO hold according to this Form 4?

The CFO held options for 30,000 shares of Class A voting common stock at an exercise price of $8.75 expiring on September 10, 2030, and options for 60,000 shares at an exercise price of $12.05 expiring on September 27, 2031, all directly owned.

How are restricted stock awards structured for the USCB (USCB) CFO?

The beneficially owned common shares include restricted stock from several grants: 5,661 shares from an 8,761-share grant vesting one-third per year starting January 21, 2026, 1,375 shares from a 4,127-share grant vesting from January 22, 2025, 2,683 shares from an 8,051-share grant vesting from March 8, 2024, and 8,333 shares from a 25,000-share grant vesting from December 31, 2024.

What does the ownership form indicate in the USCB (USCB) Form 4 filing?

The filing shows the CFO’s 115,337 common shares and stock options as held with direct (D) ownership, with no indirect ownership or separate holding entities noted in the footnotes.