USCB Financial (USCB) EVP has 497 shares withheld to cover taxes

Rhea-AI Filing Summary

USCB Financial Holdings EVP and Chief Lending Officer Nicholas Bustle reported a small tax-related share disposition. On 2026-03-08, 497 shares of Class A Voting Common Stock were withheld at $18.45 per share to cover tax obligations, a non-market transaction classified as a tax-withholding disposition.

After this event, Bustle directly holds 46,919 Class A shares, with additional indirect holdings of 9,820 shares by his daughters and 6,250 shares by his spouse. He also retains stock options over 30,000 common shares at an exercise price of $11.35 expiring on 2029-04-17, and 40,000 common shares at $12.05 expiring on 2031-09-27, indicating a substantial remaining equity position.

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)
03/08/2026

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	03/08/2026		F		497	D	$18.45	46,919(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 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, 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 and 7,015 shares of restricted stock which vest at the rate of one-third per year commencing on January 27, 2027.

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

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

	/s/ Robert Anderson by P.O.A. for Nicholas Bustle	03/10/2026
	** 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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FAQ

What did USCB (USCB) executive Nicholas Bustle report in this Form 4?

Nicholas Bustle reported a tax-related disposition of 497 Class A Voting Common Stock shares. The shares were withheld at $18.45 per share to satisfy tax obligations, while his overall direct and indirect equity position in USCB Financial Holdings remains substantial.

Was the USCB (USCB) Form 4 transaction an open-market sale?

No, the Form 4 shows a tax-withholding disposition of 497 shares, not an open-market sale. The shares were delivered to cover tax liability, a routine administrative event that does not represent a discretionary sale into the market by the executive.

How many USCB Financial (USCB) shares does Nicholas Bustle hold after the transaction?

Following the tax-withholding event, Nicholas Bustle directly holds 46,919 Class A Voting Common Stock shares. He also has indirect holdings of 9,820 shares through his daughters and 6,250 shares through his spouse, reflecting additional family ownership in USCB Financial Holdings.

What stock options does the USCB (USCB) executive still have outstanding?

Nicholas Bustle retains options on 30,000 USCB common shares at $11.35 per share expiring on April 17, 2029, and 40,000 shares at $12.05 per share expiring on September 27, 2031. These options provide potential future share acquisitions at preset prices.

How significant is the 497-share tax withholding for USCB (USCB) insider ownership?

The 497 shares were withheld solely to pay taxes and are small relative to Nicholas Bustle’s remaining equity holdings. He continues to own tens of thousands of shares directly and indirectly, plus substantial outstanding stock options, indicating continued exposure to USCB’s equity.