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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON,D.C. 20549

__________________________

FORM

__________________________

CURRENT REPORT

Pursuant to Section13 or15(d) ofthe Securities ExchangeAct of1934

Date ofReport (Dateof earliestevent reported):

__________________________

(Exact nameof Registrantas Specifiedin Its Charter)

__________________________

(State orOther Jurisdiction

of Incorporation)

(CommissionFile Number)

(IRS Employer

IdentificationNo.)

,

,

(Address ofPrincipalExecutiveOffices)

(Zip Code)

Registrant’sTelephoneNumber,Including AreaCode: (

)

__________________________

Check theappropriatebox below if the Form 8-K filingis intended to simultaneouslysatisfy thefiling obligationof the registrantunder

anyof thefollowing provisions:

☐

Writtencommunicationspursuantto Rule 425under theSecurities Act (17 CFR 230.425)

☐

Soliciting materialpursuantto Rule 14a-12 underthe ExchangeAct (17 CFR 240.14a-12)

☐

Pre-commencementcommunicationspursuantto Rule 14d-2(b) under theExchangeAct (17 CFR 240.14d-2(b))

☐

Pre-commencementcommunicationspursuantto Rule 13e-4(c) under theExchangeAct (17 CFR 240.13e-4(c))

Securitiesregisteredpursuantto Section12(b) ofthe Act:

Title ofeach class

Trading

Symbol(s)

Name of each exchange on whichregistered

Indicateby checkmarkwhethertheregistrantis anemerginggrowthcompanyas definedin Rule405 oftheSecuritiesAct of1933

(§ 230.405of this chapter)or Rule 12b-2 ofthe Securities ExchangeAct of 1934(§ 240.12b-2 of this chapter).

Emerginggrowth company

Ifanemerginggrowthcompany,indicatebycheckmarkiftheregistranthaselectednottousetheextendedtransitionperiodfor

complying withanynew or revised financialaccountingstandardsprovidedpursuantto Section13(a) ofthe ExchangeAct.

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Item 2.02.Results ofOperations andFinancialCondition.

On October22,2026, USCBFinancialHoldings,Inc. (the“Company”)issued a pressrelease announcingits financialresults

for thequarter endedSeptember30, 2026.A copyof the pressreleaseis furnishedas Exhibit99.1 tothis CurrentReporton Form 8-

K

(“Form8-K”) andis incorporatedherein by reference.

The informationinthis Item 2.02, including Exhibit99.1 hereto, is being furnished andshall not be deemed “filed” for purposes

of Section18 ofthe SecuritiesExchangeAct of 1934(the“ExchangeAct”), orotherwise besubjectto the liabilityof thatsection,and

shallnotbedeemedtobeincorporatedbyreferenceintoanyfilingundertheSecuritiesActof1933(the“SecuritiesAct”)orthe

ExchangeAct exceptas expresslyset forthby specific referencein such filing to thisForm 8-K.

Item 7.01.RegulationFD Disclosure.

As previously announced,at 11:00 a.m.ET onOctober 23,2026, the Companywillhold an earningsconferencecall to discuss

its financialperformancefor thequarterendedSeptember30, 2026.A copy ofthe slides forming thebasis ofthe presentationis being

furnishedas Exhibit99.2 tothis Form8-Kandis incorporatedhereinby reference.Acopyofthe slideshasalsobeen postedtothe

Company’sinvestor relationswebsite, locatedatinvestors.uscenturybank.com.

The informationinthis Item 7.01, including Exhibit99.2 hereto, is being furnished andshall not be deemed “filed” for purposes

of Section18 of the ExchangeAct, or otherwisebe subjectto the liabilityof that section, andshall notbe deemed tobe incorporated by

referenceinto any filing under the SecuritiesAct or the ExchangeAct except as set forth by specificreferencein such filing to this Form

8-K.

Item 9.01.FinancialStatementsand Exhibits.

(d) Exhibits.

ExhibitNo.

Description

99.1

99.2

104

Cover PageInteractiveDataFile(embeddedwithin the Inline XBRL document)

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SIGNATURE

Pursuant tothe requirementsof the SecuritiesExchangeAct of 1934,the registranthas duly causedthis report to besignedon

its behalfby theundersigned hereuntoduly authorized.

USCB FinancialHoldings, Inc.

By:

/s/ RobertAnderson

Name:

RobertAnderson

Title:

Chief FinancialOfficer

Date:October 22,2026