USCB Financial issues $40M subordinated notes at 7.625%, due 2035 for Tier 2 capital

USCB FINANCIAL HOLDINGS, INC.

Issued $40.0M aggregate principal amount of 7.625% Fixed-to-Floating Rate Subordinated Notes due August 15, 2035.
Interest fixed at 7.625% to August 15, 2030, then resets quarterly at 3-month SOFR plus 422 bps.
Notes are unsecured, subordinated Tier 2 capital obligations; redeemable at par on/after August 15, 2030.
Net proceeds will be used for general corporate purposes, including balance sheet and capital optimization.
Issued in a private placement under Section 4(a)(2) and Rule 506(b); exchange registration rights granted.

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