USCB Financial (USCB) awards EVP 5,699 restricted shares vesting from 2027

Rhea-AI Filing Summary

USCB Financial Holdings EVP and Chief Credit Officer William Turner received a grant of 5,699 shares of Class A voting common stock as restricted stock. The award was made on January 27, 2026, at a price of $0 per share.

The restricted shares vest in three equal annual installments starting January 27, 2027. After this grant, Turner beneficially owns 10,692 shares directly, including 3,694 restricted shares from a prior 5,541-share grant that began vesting on January 21, 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^*

Turner William

(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 Credit Officer

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		5,699(1)	A	$0	10,692(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

Explanation of Responses:

1. Represents the grant of 5,699 shares of restricted stock which vest at a rate of one-third per year commencing on January 27, 2027.

2. Includes 3,694 shares of restricted stock from a grant of 5,541 shares which commenced vesting at a rate of one-third per year on January 21, 2026.

	/s/ Robert Anderson by P.O.A. for William Turner	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.
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 (USCB) report for William Turner?

USCB reported that EVP and Chief Credit Officer William Turner received a grant of 5,699 restricted shares of Class A voting common stock. The grant was dated January 27, 2026, and was recorded at a price of $0 per share as an equity compensation award.

How many USCB shares does William Turner own after the latest grant?

After the January 27, 2026 grant, William Turner beneficially owns 10,692 shares of USCB Class A voting common stock directly. This total includes both previously granted restricted shares and the newly awarded 5,699 restricted shares reported in the Form 4 filing.

How do the newly granted USCB restricted shares vest for William Turner?

The 5,699 newly granted restricted USCB shares vest in three equal annual installments. Vesting begins on January 27, 2027, with one-third of the shares vesting each year thereafter, reflecting a time-based vesting schedule tied to continued service with the company.

What prior USCB restricted stock grant is mentioned for William Turner?

The filing notes a prior grant of 5,541 restricted USCB shares to William Turner. Of this grant, 3,694 restricted shares remain, with vesting that commenced at a rate of one-third per year on January 21, 2026, under a similar time-based vesting structure.

Is William Turner considered an officer or director of USCB?

William Turner is identified as an officer of USCB, serving as Executive Vice President and Chief Credit Officer. He is not marked as a director or 10% owner in the filing, and the Form 4 is filed for him as a single reporting person.

What type of security was granted to William Turner by USCB?

William Turner received Class A voting common stock of USCB as restricted stock. The award consists of 5,699 shares subject to vesting conditions, reflecting equity-based compensation rather than a cash transaction, with ownership reported as held directly by Turner.