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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
   
Washington, D.C. 20549
 
FORM 8-K
 
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
   
 
Date of Report (Date of earliest event reported)
December 5, 2025
 
USCB Financial Holdings, Inc.
(Exact name of registrant as specified in its charter)
 
Florida
001-41196
87-4070846
(State or other jurisdiction
(Commission File Number)
(IRS Employer
of incorporation)
  
Identification No.)
 
2301 N.W. 87th Avenue, Doral, Florida
  
33172
  
(Address of principal executive offices)
  
(Zip Code)
 
Registrant’s telephone number, including area code
(305) 715-5200
 
Not Applicable
(Former name or former address, if changed since last report)
 
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2 below):
 
☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
 
Securities registered pursuant to Section 12(b) of the Act:
 
Title of each Class
Trading
Symbol(s)
Name of each exchange on which
registered
Common Stock
USCB
The Nasdaq Stock Market LLC
 
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☒
 
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.                 ☐
 
 
 
 
Item
 
2.02
  
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 deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, or otherwise be subject to the liability of that section, and shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933 or the Exchange Act except as expressly set forth by specific reference in such filing to this Form 8-K.
 
Item
  
9.01
  
Financial Statements and Exhibits
         
   
(a)
  
Not applicable.
         
   
(b)
  
Not applicable.
         
   
(c)
  
Not applicable.
         
   
(d)
  
Exhibits
 
 
Exhibit No.
  
Description
99.1
  
Press release dated December 5, 2025.
104
  
Cover Page Interactive Data (embedded within the Inline XBRL document)
 
2
 
 
SIGNATURES
 
 
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
 
   
USCB FINANCIAL HOLDINGS, INC.
         
         
   
By:
 /s/ Robert Anderson
   
Name:
Robert Anderson
   
Title:
Executive Vice President and Chief Financial Officer
       
Date: December 5, 2025