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, Inc. (USCB) filed a Form 144 to report a proposed sale of securities. The filing notifies a brokered sale of 6,000 shares of Class A Voting Common Stock on Nasdaq with an aggregate market value of $101,100.00. The shares represent part of an option exercise acquired and paid for on 09/08/2025, with payment described as cash withholding. The filer reports no other securities sold in the past three months. Total shares outstanding listed in the filing are 20,078,385, and the proposed sale date is 09/08/2025. The filer certifies they are not aware of undisclosed material adverse information about the issuer.
Martha Guerra-Kattou, EVP Sales and Marketing of USCB Financial Holdings (USCB), reported insider option exercise and sale activity on 09/08/2025. She exercised 6,000 options with a $7.50 exercise price and received 6,000 Class A voting common shares, then sold those 6,000 shares at $16.85 each the same day. Her reported beneficial ownership fell from 43,339 shares to 37,339 shares following the transactions. The filing also discloses outstanding derivative holdings: no remaining shares from the $7.50 option after exercise and 40,000 options outstanding with a $12.05 strike expiring 09/27/2031. Several restricted stock grants are described with staggered vesting schedules (grants that include 1,770; 1,644; 20,000; and 5,907 restricted shares with various vesting commencement dates).
USCB Financial Holdings, Inc. entered into stock repurchase agreements with certain institutional shareholders, including Patriot Financial Partners II, L.P. and Patriot Financial Partners Parallel II, L.P. The company plans to repurchase an aggregate of 2 million shares of its Class A common stock in privately negotiated transactions at a price of $17.19 per share, which reflects a 1% discount to the 10-day volume weighted average price on September 2, 2025. The transactions are expected to be completed on or about September 5, 2025 and were approved by the disinterested members of the board of directors. These repurchases are supplemental to existing stock repurchase programs, under which 528,309 shares remained available for repurchase as of June 30, 2025.
USCB Financial Holdings insider report: The Form 4 shows that on 09/02/2025 reporting persons affiliated with Patriot Financial Partners sold a total of 1,200,000 shares of Class A Voting Common Stock at $17.19 per share, reducing the combined beneficial holdings reported on this filing to 3,285,909 shares. The filing states that Patriot Fund II sold 1,074,616 shares and Patriot Parallel Fund II sold 125,384 shares to the issuer. It also discloses that W. Kirk Wycoff holds outstanding options exercisable for 7,500 and 4,000 shares at exercise prices of $7.50 and $11.35, respectively, subject to standard director option terms.
Priam Capital and affiliated parties report holding a significant stake in USCB Financial Holdings, Inc.'s Class A common stock. The filing shows Priam Capital Fund II, LP beneficially owns 4,018,309 shares, equal to 20.0% of Class A stock based on 20,078,385 shares outstanding as of July 31, 2025. Howard Feinglass, as managing member, is reported to beneficially own 4,036,123 shares or 20.1% (assuming exercise of certain options).
The amendment notes a distribution on September 2, 2025 of 500,000 Class A shares from the Fund to two unaffiliated limited partners for no consideration. Voting and dispositive power is largely reported as shared rather than sole.
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.