USCB officer reports code F trade and option holdings update

Rhea-AI Filing Summary

USCB Financial Holdings (USCB) reported an insider transaction by an officer (Executive VP, Operations & IT). On 10/28/2025, the officer reported a Form 4 code F transaction involving 1,218 shares of Class A Voting Common Stock at $17.6. Following the transaction, the officer reported 27,744 shares beneficially owned in direct form.

The filing also lists derivative holdings: options to purchase Class A Voting Common Stock at an exercise price of $12.05 covering 30,000 shares (exercisable beginning 09/27/2022, expiring 09/27/2031) and options at $7.5 covering 8,000 shares (exercisable beginning 04/25/2017, expiring 04/25/2026).

The ownership detail includes restricted stock components and future vesting dates, including tranches vesting on January 22, 2026, January 22, 2027, and commencing on October 28, 2025 and 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

OMB APPROVAL

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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^*

COLLAZO ANDRES

(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, Operations & IT

3. Date of Earliest Transaction (Month/Day/Year)
10/28/2025

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	10/28/2025		F		1,218	D	$17.6	27,744(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 Stock	$12.05							09/27/2022(2)	09/27/2031	Class A Voting Common Stock	30,000		30,000	D
Options to Purchase Class A Voting Stock	$7.5							04/25/2017(3)	04/25/2026	Class A Voting Common Stock	8,000		8,000	D

Explanation of Responses:

1. Includes 1,897 shares of restricted stock of which 949 shares vest on January 22, 2026 and 948 shares vest on January 22, 2027, 1,763 shares of restricted stock of a grant of 5,289 shares which commenced vesting at a rate of one-third per year on March 8, 2024, 10,000 shares of restricted stock of a grant of 15,000 shares which commenced vesting at a rate of one-third per year commencing on October 28, 2025 and 6,064 shares of restricted stock which vest at a rate of one-third per year commencing on January 21, 2026.

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

3. The options vested at a rate of one-third per year commencing on April 25, 2017.

	/s/ Robert Anderson by P.O.A. for Andres Collazo	10/30/2025
	** 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 did USCB (USCB) disclose in this Form 4?

An officer reported a code F transaction on 10/28/2025 for 1,218 shares at $17.6 and updated beneficial ownership to 27,744 shares (direct).

How many USCB shares does the reporting person now own?

Following the reported transaction, the filing shows 27,744 shares of Class A Voting Common Stock held directly.

What stock options are reported for the USCB officer?

Options at $12.05 for 30,000 shares (expiring 09/27/2031) and options at $7.5 for 8,000 shares (expiring 04/25/2026).

What restricted stock vesting is noted for USCB?

The footnotes state restricted shares with tranches vesting on January 22, 2026, January 22, 2027, and commencing on October 28, 2025 and January 21, 2026.

What is the officer’s role at USCB?

The reporting person is an Officer, titled Executive VP, Operations & IT.

What security class was involved in the transaction?

The transaction and holdings involve Class A Voting Common Stock of USCB Financial Holdings, Inc.