Form 8-K

8-K — USCB FINANCIAL HOLDINGS, INC.

Accession: 0000927089-26-000129

Filed: 2026-07-20

Period: 2026-07-20

CIK: 0001901637

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — uscbf20260720_8k.htm (Primary)

EX-99.1 — EXHIBIT 99.1 (ex_989964.htm)

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0001901637

2026-07-20

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)

July 20, 2026

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

7.01

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 99.1 hereto and is incorporated herein by reference thereto.

The information in this Item 7.01, 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 (the “Exchange Act”), or otherwise 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 July 20, 2026.

104

Cover Page Interactive Data (embedded within the Inline XBRL document)

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: July 20, 2026

EX-99.1 — EXHIBIT 99.1

EX-99.1

Filename: ex_989964.htm · Sequence: 2

ex_989964.htm

Exhibit 99.1

USCB FINANCIAL HOLDINGS, INC. DECLARES

QUARTERLY CASH DIVIDEND ON COMMON STOCK

Press Release

MIAMI, FL – July 20, 2026 – USCB Financial Holdings, Inc. (the “Company”) (NASDAQ: USCB), the holding company for U.S. Century Bank, announced today that its Board of Directors declared a regular quarterly cash dividend of $0.125 per share of Class A common stock, payable on September 4, 2026, to shareholders of record as of the close of business on August 17, 2026. Future dividend payments are subject to quarterly review and approval by the Board of Directors.

About USCB Financial Holdings, Inc.

USCB Financial Holdings, Inc. is the bank holding company for U.S. Century Bank. Established in 2002, U.S. Century Bank is one of the largest community banks headquartered in Miami, and one of the largest community banks in the State of Florida. U.S. Century Bank is rated 5-Stars by BauerFinancial, the nation’s leading independent bank rating firm. U.S. Century Bank offers customers a wide range of financial products and services and supports numerous community organizations, including the Greater Miami Chamber of Commerce, the South Florida Hispanic Chamber of Commerce, and ChamberSouth. For more information or to find a U.S. Century Bank banking center near you, please call (305) 715-5200 or visit www.uscentury.com.

Contacts:

Investor Relations

InvestorRelations@uscentury.com

Martha Guerra-Kattou

(305) 715-5141

MGuerra@uscentury.com

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