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USCB Financial Holdings executive vice president of Sales and Marketing Martha Guerra-Kattou reported a disposition coded “F” of 584 shares of Class A voting common stock on January 21, 2026 at $20.38 per share. After this transaction, she beneficially owns 35,132 shares of Class A voting common stock directly.
The reported common share balance includes multiple restricted stock grants that each vest at a rate of one-third per year, with vesting schedules beginning on January 22, 2025, March 8, 2024, October 28, 2025, and January 21, 2026. She also holds options to purchase 40,000 shares of Class A voting common stock at an exercise price of $12.05 per share, which vested one-third per year commencing on January 22, 2022 and expire on September 27, 2031.
USCB Financial Holdings, Inc. President and CEO Luis de la Aguilera reported a disposition of 3,194 shares of Class A Voting Common Stock on January 21, 2026 at $20.38 per share. After this transaction, he beneficially owned 219,772 shares, including restricted stock from multiple grants that vest in equal annual installments.
He also holds stock options to purchase 40,000 shares at an exercise price of $11.35 per share expiring on September 23, 2029, 160,000 shares at $12.05 per share expiring on September 27, 2031, and 10,000 shares at $7.50 per share expiring on April 1, 2026, all reported as directly owned.
USCB Financial Holdings, Inc. executive Maricarmen Logrono reported a small insider share transaction and updated equity holdings. As EVP and Chief Risk Officer, Logrono recorded a disposition coded “F” of 581 shares of Class A Voting Common Stock on January 21, 2026 at $20.38 per share, leaving 10,132 shares beneficially owned directly.
The filing also shows options to purchase 15,000 shares of Class A Voting Common Stock at an exercise price of $12.05 per share, expiring on September 27, 2031. Footnotes explain that the 10,132 common shares include multiple restricted stock grants that each vest in one-third annual installments, and that the options vest in one-third annual installments beginning on the first anniversary of the September 27, 2021 grant date.
USCB Financial Holdings executive Andres Collazo, Executive VP of Operations & IT, reported a disposition of Class A Voting Common Stock. On January 21, 2026, he had a transaction in which 600 shares of Class A Voting Common Stock were disposed of at $20.38 per share, leaving 27,144 shares beneficially owned directly.
The reported holdings include restricted stock from several grants that vest at a rate of one-third per year starting on January 22, 2025, March 8, 2024, October 28, 2025, and January 21, 2026. Collazo also directly holds derivative securities in the form of stock options: options to purchase 30,000 shares of Class A Voting Common Stock at an exercise price of $12.05 per share, expiring on September 27, 2031, and options to purchase 8,000 shares at $7.50 per share, expiring on April 25, 2026.
USCB Financial Holdings, Inc. Executive VP, Global Banking Oscar Gomez reported a Form 4 transaction dated January 21, 2026. He disposed of 605 shares of Class A Voting Common Stock in a transaction coded "F" at a price of $20.38 per share, and now beneficially owns 27,752 shares, which include multiple restricted stock grants that vest over three-year schedules.
Gomez also reports derivative holdings of stock options. He holds 20,000 options to purchase Class A Voting Common Stock at an exercise price of $12.05 per share, which vested one-third per year commencing on September 27, 2022 and expire on September 27, 2031. He also holds 8,000 options at an exercise price of $7.5 per share, which vested one-third per year commencing on July 1, 2018 and expire on July 1, 2027. All reported holdings are listed as directly owned.
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.