USCB Financial (USCB) EVP reports 548-share tax withholding trade

Rhea-AI Filing Summary

USCB Financial Holdings executive William Turner, EVP and Chief Credit Officer, reported a small stock transaction involving company Class A voting common shares. On January 21, 2026, 548 shares were disposed of at $20.38 per share under transaction code "F", which typically reflects shares withheld to cover taxes on equity awards. After this event, Turner beneficially owned 4,993 Class A shares directly. This total includes 3,694 shares of restricted stock from a grant of 5,541 shares that began vesting at a rate of one-third per year starting January 21, 2026.

Insider Trade Summary

Net Seller: 548 shares

Net Sell 1 txn

Insider Turner William

Role EVP and Chief Credit Officer

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Class A Voting Common Stock	548	$20.38	$11K

Holdings After Transaction: Class A Voting Common Stock — 4,993 shares (Direct)

Footnotes (1)

1. F1. 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.

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Form 4 Insider Transactions: What Each Field Means →

Accepted by SEC EDGAR 01/23/2026 - 01:48 PM Learn about SEC filing dates

FAQ

What insider transaction did USCB (USCB) report for William Turner?

On January 21, 2026, EVP and Chief Credit Officer William Turner reported a disposition of 548 shares of USCB Class A voting common stock at $20.38 per share under code "F".

What does transaction code "F" mean in the USCB Form 4 filing?

In this filing, code "F" indicates a share disposition related to tax withholding on equity compensation, rather than an open-market buy or sell order.

How many USCB shares does William Turner own after this Form 4 transaction?

Following the reported transaction, William Turner beneficially owned 4,993 shares of USCB Class A voting common stock directly.

How many restricted USCB shares are included in William Turner’s holdings?

Turner’s reported holdings include 3,694 shares of restricted stock from a grant of 5,541 shares.

What is the vesting schedule for William Turner’s restricted USCB stock grant?

The restricted stock grant of 5,541 shares for William Turner commenced vesting at a rate of one-third per year starting on January 21, 2026.

What is William Turner’s role at USCB Financial Holdings?

William Turner is reported as an officer of USCB Financial Holdings, serving as EVP and Chief Credit Officer.

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^*

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)
01/21/2026

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	01/21/2026		F		548	D	$20.38	4,993(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

Explanation of Responses:

1. 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	01/23/2026
	** 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.