---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-180879"
form_type: "8-K"
ticker: "USCB"
cik: "0001901637"
company_name: "USCB FINANCIAL HOLDINGS, INC."
filed_at: "2025-08-14T23:59:59+00:00"
generated_at: "2026-05-17T13:30:00.053987+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001193125-25-180879
- form_type: 8-K
- ticker: USCB
- cik: 0001901637
- company_name: USCB FINANCIAL HOLDINGS, INC.
- filed_at: 2025-08-14T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1901637/000119312525180879/0001193125-25-180879-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1901637/000119312525180879/d23435d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-180879
- JSON: https://secwatch.observer/filing/0001193125-25-180879.json
- Plain text: https://secwatch.observer/filing/0001193125-25-180879.txt

## Key facts
- Debt Financings
  USCB FINANCIAL HOLDINGS, INC. incurred senior notes of $40.0 million in aggregate principal amount with qualified institutional buyers (the "Purchasers") at 7.625% Fixed-to-Floating Rate maturing August 15, 2035.
  - Instrument: senior notes
  - Principal: $40.0 million in aggregate principal amount
  - Counterparty: qualified institutional buyers (the "Purchasers")
  - Rate: 7.625% Fixed-to-Floating Rate
  - Maturity: August 15, 2035
  - Event: incurrence
  source text: the Company sold and issued $40.0 million in aggregate principal amount of its 7.625% Fixed-to-Floating Rate Subordinated Notes due 2035
  evidence_url: https://www.sec.gov/Archives/edgar/data/1901637/000119312525180879/0001193125-25-180879-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.