USCB EVP granted 7,015 restricted shares

USCB Financial Holdings, Inc. executive Nicholas Bustle, EVP and Chief Lending Officer, received a grant of 7,015 shares of Class A voting common stock on January 27, 2026.

Rhea-AI Filing Summary

USCB Financial Holdings, Inc. executive Nicholas Bustle, EVP and Chief Lending Officer, received a grant of 7,015 shares of Class A voting common stock on January 27, 2026. The shares are restricted stock that vest in equal one-third installments each year starting on January 27, 2027.

After this grant, Bustle beneficially owns 47,416 shares of Class A voting common stock directly, along with additional indirect holdings of 9,820 shares held by his daughters and 6,250 shares held by his spouse. He also holds stock options for 30,000 shares exercisable until April 17, 2029 and 40,000 shares exercisable until September 27, 2031.

Insider Trade Summary

Grant/Award: 7,015 shares

Grant/Award 5 txns

Insider BUSTLE NICHOLAS

Role EVP and Chief Lending Officer

Type	Security	Shares	Price	Value
Grant/Award	Class A Voting Common Stock	7,015	$0.00	$0.00
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 — 47,416 shares (Direct); Stock Option (Right to Buy) — 70,000 contracts (Direct); Class A Voting Common Stock — 9,820 shares (Indirect, By daughters); Class A Voting Common Stock — 6,250 shares (Indirect, By spouse)

Footnotes (4)

1. F1. Represents the grant of 7,015 shares of restricted stock which vest at a rate of one-third per year commencing on January 27, 2027.
2. F2. 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.
3. F3. The stock options vested at the rate of one-third per year commencing on April 17, 2020.
4. F4. The stock options vest at the 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 did USCB (USCB) executive Nicholas Bustle report in this Form 4?

Nicholas Bustle reported receiving 7,015 restricted shares of Class A voting common stock. The award was granted on January 27, 2026 and increases his directly held beneficial ownership to 47,416 shares, excluding additional indirect holdings through his daughters and spouse.

How do the 7,015 restricted shares granted to USCB EVP Nicholas Bustle vest?

The 7,015 restricted shares vest in three equal annual installments. Vesting begins on January 27, 2027, with one-third of the award vesting each year thereafter, aligning the executive’s compensation with multi‑year performance and continued service at USCB Financial Holdings, Inc.

How many USCB Class A shares does Nicholas Bustle beneficially own after this transaction?

After the grant, Nicholas Bustle directly beneficially owns 47,416 Class A voting common shares. He also has indirect beneficial ownership of 9,820 shares held by his daughters and 6,250 shares held by his spouse, in addition to separate stock option holdings.

What stock options related to USCB shares does Nicholas Bustle hold?

Nicholas Bustle holds stock options for 30,000 USCB common shares at an exercise price of $11.35, expiring April 17, 2029, and 40,000 shares at $12.05, expiring September 27, 2031. These options follow three-year, one‑third‑per‑year vesting schedules noted in the footnotes.

Are the 7,015 USCB shares granted to Nicholas Bustle restricted stock?

Yes, the 7,015 shares are restricted stock that vest over time. They vest at a rate of one‑third per year beginning January 27, 2027, meaning the shares are subject to forfeiture conditions until fully vested across three years.

What indirect USCB share holdings are reported for Nicholas Bustle?

The filing shows indirect beneficial ownership of 9,820 Class A voting common shares held by his daughters and 6,250 shares held by his spouse. These indirect positions are reported separately from his 47,416 directly owned shares, reflecting family-related holdings.

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

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Accepted by SEC EDGAR 01/28/2026 - 03:42 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^*

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)
01/27/2026

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		7,015(1)	A	$0	47,416(2)	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(3)	04/17/2029	Common Stock	30,000		30,000	D
Stock Option (Right to Buy)	$12.05							09/27/2022(4)	09/27/2031	Common Stock	40,000		40,000	D

Explanation of Responses:

1. Represents the grant of 7,015 shares of restricted stock which vest at a rate of one-third per year commencing on January 27, 2027.

2. 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.

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

4. 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	01/28/2026
	** 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).
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