USCB CFO granted 8,878 restricted shares

USCB Financial Holdings Executive VP and CFO Robert B. Anderson received a grant of 8,878 shares of Class A voting common stock on January 27, 2026.

Rhea-AI Filing Summary

USCB Financial Holdings Executive VP and CFO Robert B. Anderson received a grant of 8,878 shares of Class A voting common stock on January 27, 2026. The award is in the form of restricted stock that vests in equal one-third installments starting on January 27, 2027.

Following this grant, Anderson beneficially owns 123,701 shares of Class A voting common stock directly. He also holds options to purchase 30,000 shares of Class A voting common stock exercisable until September 10, 2030, and options on 60,000 shares exercisable until September 27, 2031.

Insider Trade Summary

Grant/Award: 8,878 shares

Grant/Award 3 txns

Insider Anderson Robert B.

Role Executive VP and CFO

Type	Security	Shares	Price	Value
Grant/Award	Class A Voting Common Stock	8,878	$0.00	$0.00
holding	Options to Purchase Class A Voting Common Stock	--	--	--
holding	Options to Purchase Class A Voting	--	--	--

Holdings After Transaction: Class A Voting Common Stock — 123,701 shares (Direct); Options to Purchase Class A Voting Common Stock — 30,000 contracts (Direct); Options to Purchase Class A Voting — 60,000 contracts (Direct)

Footnotes (4)

1. F1. Represents the grant of 8,878 shares of restricted stock which vest at a rate of one-third per year commencing on January 27, 2027.
2. F2. 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, 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.
3. F3. The options vested at a rate of one-third per year commencing on September 10, 2021.
4. F4. The options vested at a rate of one-third per year commencing on September 27, 2022.

FAQ

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

What insider transaction did USCB (USCB) report for Robert B. Anderson?

USCB reported that Executive VP and CFO Robert B. Anderson received a grant of 8,878 shares of Class A voting common stock. The shares are restricted stock that vest over three years, beginning January 27, 2027, aligning his compensation more closely with company performance.

How do the new restricted shares for USCB CFO vest over time?

The 8,878 restricted shares granted to USCB’s CFO vest in three equal installments starting January 27, 2027. Each year, one-third of the grant becomes fully vested, creating a multi‑year incentive tied to continued service and the company’s long‑term performance.

How many USCB (USCB) shares does the CFO own after this Form 4?

After the reported grant, USCB’s CFO beneficially owns 123,701 shares of Class A voting common stock directly. This total includes previously granted restricted stock awards described in the footnotes, which vest on various schedules tied to past grant dates and service periods.

What stock option holdings does the USCB CFO report in this filing?

The CFO reports options to purchase 30,000 shares of Class A voting common stock with an expiration date of September 10, 2030. He also holds options on 60,000 shares expiring September 27, 2031, reflecting long‑term equity incentives granted in earlier years.

Are the USCB CFO’s reported options already vested?

The filing notes that both sets of options vested at a rate of one‑third per year from their respective start dates in 2021 and 2022. This means vesting occurred over three years, and the options are now fully vested but remain subject to their stated expiration dates.

What prior restricted stock awards to the USCB CFO are referenced?

The filing explains that current holdings include restricted stock from four prior grants made in 2024, 2025, and 2026. Each grant vests one‑third per year from its specific commencement date, creating a staggered schedule of future share vesting for the executive.

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

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Accepted by SEC EDGAR 01/28/2026 - 03:40 PM Learn about SEC filing dates

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
Estimated average burden
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^*

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)
01/27/2026

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	01/27/2026		A		8,878(1)	A	$0	123,701(2)	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(3)	09/10/2030	Class A Voting Common Stock	30,000		30,000	D
Options to Purchase Class A Voting	$12.05							09/27/2022(4)	09/27/2031	Class A Voting Common Stock	60,000		60,000	D

Explanation of Responses:

1. Represents the grant of 8,878 shares of restricted stock which vest at a rate of one-third per year commencing on January 27, 2027.

2. 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, 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.

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

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

	/s/ Robert Anderson	01/28/2026
	** 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.
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