[Form 4] USCB FINANCIAL HOLDINGS, INC. Insider Trading Activity

Rhea-AI Filing Summary

USCB Financial Holdings (USCB) reported an insider transaction by its EVP and Chief Lending Officer. On 10/28/2025, the reporting person disposed of 1,623 shares of Class A voting common stock at $17.6 under code “F,” which reflects shares withheld to cover taxes.

After this transaction, the insider beneficially owned 41,459 shares directly. Additional indirect holdings include 9,820 shares held by daughters and 6,250 shares held by spouse.

Derivative holdings disclosed include stock options to purchase 30,000 shares at $11.35 expiring on 04/17/2029, and options to purchase 40,000 shares at $12.05 expiring on 09/27/2031. The filing also notes restricted stock components within the direct holdings that vest in equal annual installments beginning on specified dates, including grants commencing on January 21, 2026; January 22, 2025; March 8, 2024; and October 28, 2025.

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^*

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)
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		1,623	D	$17.6	41,459(1)	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(2)	04/17/2029	Common Stock	30,000		30,000	D
Stock Option (Right to Buy)	$12.05							09/27/2022(3)	09/27/2031	Common Stock	40,000		40,000	D

Explanation of Responses:

1. Includes 6,947 shares of restricted stock which vest at a rate of one-third per year commencing on January 21, 2026, 2,174 shares of restricted stock of 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 of 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 of a grant of 20,000 shares which commenced vesting at a rate of one-third per year commencing on October 28, 2025.

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

3. 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	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).
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FAQ

What did USCB (USCB) report in this Form 4?

An insider executed a tax withholding transaction, disposing of 1,623 shares at $17.6 on 10/28/2025 under code “F.”

Who is the reporting person and their role at USCB?

The reporting person is the company’s EVP and Chief Lending Officer; the signature block references Nicholas Bustle via P.O.A.

How many USCB shares does the insider hold after the transaction?

Direct beneficial ownership is 41,459 shares; indirect holdings are 9,820 by daughters and 6,250 by spouse.

What do the transaction code and price indicate?

Code F indicates shares withheld to cover taxes; the transaction price was $17.6 per share.

What derivative securities are reported?

Stock options for 30,000 shares at $11.35 expiring 04/17/2029, and 40,000 shares at $12.05 expiring 09/27/2031.

Are there restricted stock awards and how do they vest?

Yes. Awards vest one-third annually from dates including 01/21/2026, 01/22/2025, 03/08/2024, and 10/28/2025.