Welcome to our dedicated page for Uscb Fincl 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.
The USCB Financial Holdings, Inc. (NASDAQ: USCB) SEC filings page provides access to the company’s official regulatory documents as filed with the U.S. Securities and Exchange Commission. USCB Financial Holdings, Inc. is the bank holding company for U.S. Century Bank, a community bank established in 2002 and described as one of the largest community banks headquartered in Miami and in the State of Florida. Through its filings, the company reports detailed information on its commercial banking activities, financial condition, and risk profile.
Key filings for USCB include annual reports on Form 10-K and quarterly reports on Form 10-Q, which present audited or unaudited financial statements, net interest income, non-interest income and expense, allowance for credit losses, and discussions of asset quality, capital ratios, and concentrations in areas such as South Florida commercial real estate. Current reports on Form 8-K disclose material events, including earnings releases, investor presentations, stock repurchase agreements, subordinated note issuances, and other significant corporate actions.
Investors can also review filings that describe capital management and funding, such as the Subordinated Note Purchase Agreement for fixed-to-floating rate subordinated notes due 2035, and stock repurchase agreements with institutional shareholders. These documents outline the terms of the securities, intended use of proceeds, and their treatment for regulatory capital purposes.
On Stock Titan, USCB filings are supplemented with AI-powered summaries that highlight the main points of lengthy documents, helping users quickly understand changes in earnings, capital, liquidity, and risk factors without reading every page. Real-time updates from EDGAR ensure that new 10-K, 10-Q, and 8-K filings appear promptly, while insider transaction reports on Form 4 and proxy-related materials, when filed, can be used to study executive share activity and governance matters. This page is designed to make USCB’s regulatory history easier to navigate and interpret for investors, analysts, and anyone researching the company’s community banking operations.
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.
USCB Financial Holdings, Inc. filed a Form 8-K to furnish materials related to its quarterly results. The company issued a press release announcing its financial results for the quarter ended December 31, 2025, which is attached as Exhibit 99.1, and will host an earnings conference call at 11:00 a.m. ET on January 23, 2026 to discuss its performance for that quarter.
USCB also provided an earnings presentation, attached as Exhibit 99.2 and posted on its investor relations website, to accompany the call. Both the press release and the presentation are being furnished rather than filed, which limits their use for certain legal liability and incorporation-by-reference purposes under the federal securities laws.
USCB Financial Holdings, Inc. filed a current report to share that its board has declared a regular quarterly cash dividend on its Class A common stock. The dividend is set at $0.125 per share and will be paid on March 5, 2026 to shareholders who are on record as of the close of business on February 17, 2026. Additional details are provided in a company press release attached as an exhibit.
USCB Financial Holdings, Inc. has filed an S-4 amendment for an exchange offer covering up to $40,000,000 aggregate principal amount of its 7.625% Fixed-to-Floating Rate Subordinated Notes due 2035. The company is offering SEC-registered New Notes in exchange for any and all matching unregistered notes issued in a private placement on August 14, 2025, to satisfy a prior registration rights agreement.
USCB will not receive cash from the exchange and its total indebtedness will not increase; each Old Note tendered is swapped for an equal principal amount of New Notes. The New Notes have the same core terms as the Old Notes but are registered, generally easier to transfer, and no longer carry registration rights or additional interest features. The notes are unsecured, subordinated obligations of the holding company, structurally subordinated to subsidiary liabilities, pay 7.625% interest to August 15, 2030, then float at a benchmark rate expected to be Three-Month Term SOFR plus 422 basis points until maturity on August 15, 2035.
USCB Financial Holdings, Inc. insiders, including Patriot Financial Partners II funds and affiliated reporting persons, reported selling 39,000 shares of Class A Voting Common Stock on December 11, 2025 at a weighted average price of $18.68 per share.
After these sales, Patriot Financial Partners II, L.P. holds 1,662,420 shares and Patriot Financial Partners Parallel II, L.P. holds 193,866 shares, for a total of 1,856,286 shares reported as beneficially owned. The reporting group is identified as directors and 10% owners, and W. Kirk Wycoff also holds options to purchase 7,500 and 4,000 Class A shares at exercise prices of $7.50 and $11.35, respectively.
USCB Financial Holdings, Inc. reported that investment funds affiliated with Patriot Financial Partners sold 82,043 shares of Class A Voting Common Stock on December 10, 2025 at a weighted average price of $18.56, with sale prices ranging from $18.50 to $18.91.
After this sale, Patriot Financial Partners II, L.P. holds 1,697,325 shares of common stock and Patriot Financial Partners Parallel II, L.P. holds 197,961 shares, for a total of 1,895,286 shares beneficially owned by the funds. The reporting persons are identified as directors and/or 10% owners of USCB.
The filing also notes previously granted options held by W. Kirk Wycoff to purchase 7,500 and 4,000 shares of Class A Voting Common Stock at exercise prices of $7.50 and $11.35, which remain exercisable for up to ten years from grant or three months after he ceases to serve as a non-employee of the company.
USCB Financial Holdings, Inc. (USCB) received a Form 4 filing from a group of large shareholders and directors reporting a stock sale. On 11/25/2025, they sold 22,558 shares of Class A Voting Common Stock in open-market transactions at a weighted average price of $18.06 per share, with individual trades ranging from $18.00 to $18.21. The filing notes that Patriot Financial Partners II, L.P. sold 20,189 shares and Patriot Financial Partners Parallel II, L.P. sold 2,369 shares. After these sales, Patriot Fund II holds 1,783,905 shares and Patriot Parallel Fund II holds 208,119 shares of common stock. The form also lists previously granted director stock options for W. Kirk Wycoff to purchase 7,500 shares at $7.50 and 4,000 shares at $11.35, which remain exercisable under their original terms.
USCB Financial Holdings, Inc. insiders jointly reported an open-market sale of 21,327 shares of Class A voting common stock on 11/24/2025. The sale, coded "S" for sale, was executed at a weighted average price of $18.02 per share, with individual trades occurring between $17.99 and $18.18.
The filing is made jointly by Patriot Financial Partners II and related entities and individuals. After the sale, Patriot Fund II holds 1,804,094 shares of common stock and Patriot Parallel Fund II holds 210,488 shares, for an aggregate 2,014,582 shares beneficially owned. In addition, W. Kirk Wycoff, a director and 10% owner, holds director stock options to purchase 7,500 shares at $7.50 (granted 03/01/2016) and 4,000 shares at $11.35 (granted 09/23/2019), all reported as directly owned.
USCB Financial Holdings, Inc. reported stronger Q3 2025 results. Net income rose to $8.9M from $6.9M a year ago, with diluted EPS of $0.45 versus $0.35. Net interest income increased to $21.3M from $18.1M as loan interest and securities income improved, while the provision for credit losses decreased to $0.1M from $0.9M. The company declared a quarterly cash dividend of $0.10 per share.
Balance sheet growth was broad-based. Total assets reached $2.77B (from $2.58B at December 31, 2024), driven by loans held for investment of $2.11B and available-for-sale securities of $324.2M. Total deposits increased to $2.46B from $2.17B, while Federal Home Loan Bank advances fell to $11.0M from $163.0M. USCB issued $39.3M in subordinated notes and repurchased 2.0M shares in Q3, ending with 18,107,385 Class A shares outstanding. Nonperforming loans declined to $1.31M, and the allowance for credit losses stood at $25.0M.
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.