Results of Operations and Financial Condition. On July 23, 2026, USCB Financial Holdings, Inc. (the “Company”) issued a press release announcing its financial results for the quarter ended June 30, 2026. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K (“Form 8- K”) and is incorporated herein by reference. The information in this Item 2.02, including Exhibit 99.1 hereto, is being furnished and shall not be deemed “filed” for purposes of Section 18 of…

Regulation FD Disclosure. On July 20, 2026, USCB Financial Holdings, Inc. (the “Company”) issued a press release announcing the declaration of the Company’s quarterly cash dividend. The dividend is in the amount of $0.125 per share of Class A common stock and is payable on September 4, 2026 to shareholders of record as of the close of business on August 17, 2026. For additional information, reference is made to the Company’s press release, dated July 20, 2026, which is included as Exhibit 99.…

in the Company’s Current Report on Form 8-K filed with the Securities and Exchange Commission on December 30, 2021 and incorporated by reference herein. The above summary of the Mutual Termination Agreement is qualified in its entirety by reference to the Mutual Termination Agreement, which is attached as Exhibit 4.2 to this Current Report on Form 8-K and incorporated by reference herein.

Termination of a Material Definitive Agreement . On April 29, 2026, USCB Financial Holdings, Inc. (the Company”) and its wholly owned subsidiary, U.S. Century Bank (the “Bank” and collectively with the Company, the “USCB Parties”)) entered into a Mutual Termination Agreement with Patriot Financial Partners II, L.P. (“Patriot Financial”) and Patriot Financial Partners Parallel II, L.P. ("Patriot Financial Parallel” and together with Patriot Financial, “Patriot”), to terminate the rights and ob…

Results of Operations and Financial Condition. On April 23, 2026, USCB Financial Holdings, Inc. (the “Company”) issued a press release announcing its financial results for the quarter ended March 31, 2026. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K (“Form 8-K”) and is incorporated herein by reference. The information in this Item 2.02, including Exhibit 99.1 hereto, is being furnished and shall not be deemed “filed” for purposes of Section 18 o…

Regulation FD Disclosure. On April 20, 2026, USCB Financial Holdings, Inc. (the “Company”) issued a press release announcing the declaration of the Company’s quarterly cash dividend. The dividend is in the amount of $0.125 per share of Class A common stock and is payable on June 5, 2026 to shareholders of record as of the close of business on May 15, 2026. For additional information, reference is made to the Company’s press release, dated April 20, 2026, which is included as Exhibit 99.1 here…

Director — W. Kirk Wycoff: Mr. Wycoff resigned to focus on other business ventures.

Luis de la Aguilera: The amendment to the employment agreement primarily involved changes in insurance and severance benefits.

Robert Anderson: Amendment to the employment agreement providing additional severance conditions.

Results of Operations and Financial Condition. On January 22, 2026, USCB Financial Holdings, Inc. (the “Company”) issued a press release announcing its financial results for the quarter ended December 31, 2025. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K (“Form 8-K”) and is incorporated herein by reference. The information in this Item 2.02, including Exhibit 99.1 hereto, is being furnished and shall not be deemed “filed” for purposes of Section…

Regulation FD Disclosure. On January 20, 2026, USCB Financial Holdings, Inc. (the “Company”) issued a press release announcing the declaration of the Company’s quarterly cash dividend. The dividend is in the amount of $0.125 per share of Class A common stock and is payable on March 5, 2026 to shareholders of record as of the close of business on February 17, 2026. For additional information, reference is made to the Company’s press release, dated January 20, 2026, which is included as Exhibit…

Nicholas Bustle: Amended change in control agreement for Executive Vice President and Chief Lending Officer.

Results of Operations and Financial Condition . On December 5, 2025, USCB Financial Holdings, Inc. (the “Company”) issued a press release regarding a recently undertaken balance sheet restructuring related to its investment securities portfolio. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K (“Form 8-K”) and is incorporated herein by reference. The information in this Item 2.02, including Exhibit 99.1 hereto, is being furnished and shall not be dee…

Results of Operations and Financial Condition. On October 23, 2025, USCB Financial Holdings, Inc. (the “Company”) issued a press release announcing its financial results for the quarter ended September 30, 2025. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K (“Form 8-K”) and is incorporated herein by reference. The information in this Item 2.02, including Exhibit 99.1 hereto, is being furnished and shall not be deemed “filed” for purposes of Sectio…

Regulation FD Disclosure. On October 20, 2025, USCB Financial Holdings, Inc. (the “Company”) issued a press release announcing the declaration of the Company’s quarterly cash dividend. The dividend is in the amount of $0.10 per share of Class A common stock and is payable on December 5, 2025 to shareholders of record as of the close of business on November 14, 2025. For additional information, reference is made to the Company’s press release, dated October 20, 2025, which is included as Exhib…

Entry into a Material Definitive Agreement. Commencing on September 2, 2025, USCB Financial Holdings, Inc. (the “Company”) entered into stock repurchase agreements (the “Stock Repurchase Agreements”, and each, a “Stock Repurchase Agreement”) with certain institutional shareholders (collectively, the “Shareholders”), including Patriot Financial Partners II, L.P. and Patriot Financial Partners Parallel II, L.P. The Stock Repurchase Agreements provide for the purchase (the “Repurchase”) by the C…

Cautionary Note Regarding Forward-Looking Statements This Report includes “forward-looking statements” within the meanings of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act, and Section 21E of the Exchange Act, including but not limited to statements about the anticipated use of net proceeds from the offering, the Exchange Offer and other matters. Forward-looking statements are subject to known and unknown risks and uncertainties, many of which may be…

Entry into a Material Definitive Agreement. On August 14, 2025, USCB Financial Holdings, Inc. (the “Company”) entered into a Subordinated Note Purchase Agreement (the “Purchase Agreement”) with certain qualified institutional buyers (the “Purchasers”) pursuant to which the Company sold and issued $40.0 million in aggregate principal amount of its 7.625% Fixed-to-Floating Rate Subordinated Notes due 2035 (the “Notes”). The Notes were issued by the Company to the Purchasers at a price equal to…

Results of Operations and Financial Condition. On July 24, 2025, USCB Financial Holdings, Inc. (the “Company”) issued a press release announcing its financial results for the quarter ended June 30, 2025. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K (“Form 8- K”) and is incorporated herein by reference. The information in this Item 2.02, including Exhibit 99.1 hereto, is being furnished and shall not be deemed “filed” for purposes of Section 18 of…

Regulation FD Disclosure. On July 21, 2025, USCB Financial Holdings, Inc. (the “Company”) issued a press release announcing the declaration of the Company’s quarterly cash dividend. The dividend is in the amount of $0.10 per share of Class A common stock and is payable on September 5, 2025 to shareholders of record as of the close of business on August 15, 2025. For additional information, reference is made to the Company’s press release, dated July 21, 2025, which is included as Exhibit 99.1…

Results of Operations and Financial Condition. On April 24, 2025, USCB Financial Holdings, Inc. (the “Company”) issued a press release announcing its financial results for the quarter ended March 31, 2025. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K (“Form 8-K”) and is incorporated herein by reference. The information in this Item 2.02, including Exhibit 99.1, is being furnished and shall not be deemed “filed” for purposes of Section 18 of the S…

Regulation FD Disclosure. On April 21, 2025, USCB Financial Holdings, Inc. (the “Company”) issued a press release announcing the declaration of the Company’s quarterly cash dividend. The dividend is in the amount of $0.10 per share of Class A common stock and is payable on June 5, 2025 to shareholders of record as of the close of business on May 15, 2025. For additional information, reference is made to the Company’s press release, dated April 21, 2025, which is included as Exhibit 99.1 heret…

Results of Operations and Financial Condition. On January 23, 2025, USCB Financial Holdings, Inc. (the “Company”) issued a press release announcing its financial results for the quarter ended December 31, 2024. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K (“Form 8-K”) and is incorporated herein by reference. The information in this Item 2.02, including Exhibit 99.1, is being furnished and shall not be deemed “filed” for purposes of Section 18 of…

Regulation FD Disclosure On January 21, 2025, USCB Financial Holdings, Inc. (the “Company”) issued a press release announcing the declaration of the Company’s quarterly cash dividend. The dividend is in the amount of $0.10 per share of Class A common stock and is payable on March 5, 2025 to stockholders of record as of the close of business on February 14, 2025. For additional information, reference is made to the Company’s press release, dated January 21, 2025, which is included as Exhibit 9…

Robert Anderson: The severance multiplier in the employment agreement was increased from two times to two and a half times.