Welcome to our dedicated page for USCB FINANCIAL HOLDINGS SEC filings (Ticker: USCB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
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Patriot Financial Group II and related persons report beneficial ownership of 3,297,409 shares of USCB Financial Holdings, Inc. Class A common stock, representing 16.4% of the outstanding Class A shares (based on 20,078,385 shares outstanding as of July 31, 2025). The filing amends a prior Schedule 13D and discloses shared voting and dispositive power over 3,285,909 shares for certain Patriot entities and individuals; W. Kirk Wycoff also holds 11,500 shares of sole voting and dispositive power representing director options.
The amendment also discloses that on September 2, 2025 Patriot Financial Partners II, L.P. agreed to sell 1,074,616 shares to the company and Patriot Financial Partners Parallel II, L.P. agreed to sell 125,384 shares to the company at $17.19 per share, and that a Stock Repurchase Agreement dated September 2, 2025 is filed as an exhibit.
Howard P. Feinglass, a director and reported 10% owner of USCB Financial Holdings, disposed of 500,000 Class A Voting Common Stock shares on 09/02/2025. The filing states Priam Capital Fund II, L.P. distributed those shares to unaffiliated limited partners for no consideration. After the reported transaction, the filing shows beneficial ownership positions of 4,018,309 shares indirectly (held by Priam Capital Fund II) and 6,314 shares directly for the reporting persons. The report also lists outstanding director-granted options exercisable for 7,500 and 4,000 Class A shares with exercise prices of $7.50 and $11.35 respectively, and standard post-employment exercisability limitations. The signatures show the Form was executed on 09/04/2025 by Robert Anderson as P.O.A. for Mr. Feinglass.
USCB Financial Holdings, Inc. filed a Form D notice reporting a Regulation D exempt offering for a total offering amount of $40,000,000, which the filing shows as fully sold with $40,000,000 received and $0 remaining. The issuer is a Florida corporation formed in 2021 with principal offices in Doral, Florida. The offering relied on Rule 506(b) and was a debt offering with a minimum external investor subscription of $100,000. The filing lists 19 investors to date, estimated sales commissions of $400,000, and Piper Sandler & Co. identified in the broker/dealer section. The issuer certified that no proceeds are proposed to be used for payments to named officers, directors or promoters ($0 reported).
USCB Financial Holdings, Inc. disclosed a material financing event: an Indenture dated August 14, 2025 between USCB and Wilmington Trust, National Association as trustee that establishes forms for 7.625% Fixed-to-Floating Rate Subordinated Notes due 2035. The filing includes the Form of Subordinated Note Purchase Agreement and the Form of Registration Rights Agreement dated August 14, 2025, and identifies the note documentation as exhibits to the 8-K. The disclosure is presented as a material event report and is signed on behalf of the company by Robert Anderson, Chief Financial Officer. The filing does not include offering size, proceeds, or detailed use-of-proceeds information within the provided text.
USCB Financial Holdings (USCB) Q2-25 10-Q snapshot:
Net income rose 31% YoY to $8.1 m, lifting diluted EPS to $0.40. Net interest income jumped 22% to $21.0 m as interest expense was essentially flat, expanding margin despite an 8% larger funding base. Six-month profit reached $15.8 m (+46% YoY) and YTD dividends doubled to $0.20 per share.
Loans grew 7% year-to-date to $2.11 bn, deposits 7% to $2.34 bn, while FHLB advances fell 34% to $108 m. Total assets stand at $2.72 bn (+5%), and tangible book value climbed 8% to $231.6 m (~$11.54/sh). Operating costs increased 9%, but revenue growth pushed the efficiency ratio near 55%.
Credit quality remains stable: allowance coverage is 1.18% of loans after a $1.7 m YTD provision and $0.7 m charge-offs (20 bp annualized). CRE exposure is still high at 57% of the loan book.
Market-value pressures persist: unrealized losses total $47.2 m on AFS and $16.5 m on HTM securities, keeping AOCI at –$41.8 m. Cash balances declined to $54.8 m as excess funds were redeployed into loans and securities.
Outlook: Rising loan volume and disciplined deposit pricing support further earnings momentum, but rate volatility and CRE concentration remain key watch-points.