USCB Financial (USCB) CFO Anderson reports disposition of 514 shares

Rhea-AI Filing Summary

USCB Financial Holdings, Inc. Executive VP and CFO Robert B. Anderson reported a disposition of Class A Voting Common Stock. On January 22, 2026, he disposed of 514 shares in a transaction coded “F” at a price of $20.70 per share. Following this transaction, he beneficially owned 114,823 shares of Class A Voting Common Stock directly.

In addition to common stock, Anderson directly holds derivative awards in the form of stock options. These include 30,000 options to purchase Class A Voting Common Stock at an exercise price of $8.75 per share, expiring on September 10, 2030, and 60,000 options at an exercise price of $12.05 per share, expiring on September 27, 2031. Some of his common stock holdings include restricted shares from multiple grants that vest over several years.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider Anderson Robert B.

Role Executive VP and CFO

Type	Security	Shares	Price	Value
Tax Withholding	Class A Voting Common Stock	514	$20.70	$11K
holding	Options to Purchase Class A Voting Common Stock	--	--	--
holding	Options to Purchase Class A Voting	--	--	--

Holdings After Transaction: Class A Voting Common Stock — 114,823 shares (Direct); Options to Purchase Class A Voting Common Stock — 30,000 shares (Direct); Options to Purchase Class A Voting — 60,000 shares (Direct)

Footnotes (1)

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

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)
01/22/2026

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		514	D	$20.7	114,823(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, 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	01/26/2026
	** 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.
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FAQ

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

On January 22, 2026, Executive VP and CFO Robert B. Anderson reported a transaction in which 514 shares of USCB Class A Voting Common Stock were disposed of in a transaction coded “F” at $20.70 per share.

How many USCB shares does CFO Robert B. Anderson own after this Form 4?

After the reported transaction, Robert B. Anderson beneficially owned 114,823 shares of USCB Class A Voting Common Stock directly, including various restricted stock awards that vest over multiple years.

What stock options does Robert B. Anderson hold in USCB Financial Holdings, Inc.?

Robert B. Anderson holds 30,000 stock options to purchase Class A Voting Common Stock at $8.75 per share expiring on September 10, 2030, and 60,000 stock options at $12.05 per share expiring on September 27, 2031.

What does transaction code "F" mean in Robert B. Anderson’s USCB Form 4?

The Form 4 lists the January 22, 2026 transaction as code “F” involving the disposition of 514 shares of Class A Voting Common Stock at $20.70 per share. The filing does not further describe the nature of the code beyond this designation.

Does the USCB CFO hold restricted stock as part of his ownership?

Yes. The beneficial ownership total of 114,823 shares includes restricted stock from several grants, such as 5,861 shares from an 8,792-share grant vesting in thirds from January 21, 2026, and other grants vesting annually beginning in 2024 and 2025.

Is Robert B. Anderson’s ownership in USCB direct or indirect?

The Form 4 indicates that Robert B. Anderson’s reported holdings, including the 114,823 shares of common stock and the stock options, are held with direct (D) ownership.