USCB FINANCIAL HOLDINGS, INC.
For the period ended Dec 31, 2025. Filed Mar 13, 2026.
View on SEC.govAbout this filing
A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Mar 13, 2026
What changed in Risk Factors?
Read the current filingPrevious report: 10-K
Period ended 2024-12-31; filed 2025-03-14.
0001562762-25-000043
Item 1A. Risk FactorsCurrent report: 10-K
Period ended 2025-12-31; filed 2026-03-13.
0001562762-26-000027
Item 1A. Risk FactorsThe baseline is this issuer’s latest earlier reporting period of the same form that was filed before the current report. A previous 10-Q is a different quarter, not a year-over-year comparison. Amendments are excluded.
Compared 7923 previous paragraphs and 7877 current paragraphs.
6718 unchanged; 61 reworded; 1092 added; 1138 removed; 6 previous and 6 current paragraphs rearranged.
Tables are not compared: 0 previous and 0 current tables excluded. Dates, whitespace, punctuation and numbering changes are ignored; changes to financial figures remain significant.
A changed paragraph is not evidence that risk increased or decreased. An unchanged paragraph does not establish that risk stayed the same.
Added paragraphs (1092)
Current report
that could, in turn, adversely impact our business, results
Current report
Any change in the Bank's ability to gather brokered deposits
Current report
dividends or distributions on our Class A common stock.
Current report
resurgence of economic and political tensions with China, the continuing war in Ukraine and the level of oil and natural gas
Current report
economic conditions and/or other negative developments in the domestic or international credit markets or economies may
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Removed paragraphs (1138)
Previous report
The transition from the use of LIBOR may adversely impact the interest rates paid
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Reworded paragraphs (61)
Previous wording
Our current and future uses of Artificial Intelligence (AI)
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Our current and future uses of artificial intelligence and
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and other emerging technologies may create additional
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other emerging technologies may create additional risks.
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is a significant reduction to the rate of inflation experienced in 2022 and 2023, it is still
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a significant reduction to the rate of inflation experienced in 2023 and 2024,
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push down asset prices, including collateral values, and weaken
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including collateral values, and weaken economic activity.
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defaults, foreclosures and additional charge-offs and
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to be generated, by the property securing the loan and/or
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to be generated, by the property securing the loan
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by the cash flow generated by the business borrower and
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and/or by the cash flow generated by the business borrower and
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buildings, commercial real estate, and construction and
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buildings, commercial real estate, and construction and land loans represented 370% of the Bank’s total risk-based capital.
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of commercial real estate loans we can hold in our portfolio,
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Correspondent banking is an important part of our
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Correspondent banking is an important part of our business,
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business, which creates increased BSA/AML risk.
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and international private banking could result in regulatory
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banking could result in regulatory or other actions being
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or other actions being taken against us, including the imposition
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December 31, 2025, our top 10 depositors held 15.5% of
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are estimated to be FDIC-insured. At such date, our
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the values of these securities in future periods. Any
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growth strategy and could have a material adverse effect
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adverse effect on our business and results of operations.
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attempts to infiltrate the security of their websites or other systems, some involving sophisticated targeted
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attempts to infiltrate the security of their websites or other systems, some involving sophisticated
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to cybersecurity attacks have increased as a result of the related increased reliance on remote working and the increase in
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in the section captioned "Management's Discussion and Analysis of Financial Condition and Results
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in the section captioned "Management's Discussion and Analysis of Financial Condition and Results of Operations"
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operations. If we fail to adequately comply with the requirements of Section 404 of the SOA, we may
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operations. If we fail to adequately comply with the requirements of Section 404 of the SOA,
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company, we are engaged in a process to document and evaluate
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internal control over financial reporting, which is
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our internal control over financial reporting, which
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more material weaknesses, it could result in an adverse reaction in the financial markets
Current wording
weaknesses, it could result in an adverse reaction in
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Rearranged current paragraphs (6)
Current report — wording carried from elsewhere
price of our Class A common stock to decline.
Current report — wording carried from elsewhere
material adverse effect on our business, financial
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results of operations and financial condition.
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materially adversely affect our results of operations.
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on our financial condition and results of operations.
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market price of our Class A common stock to decline.
Rearranged previous paragraphs (6)
Previous report — wording carried elsewhere
our business, financial condition and results
Previous report — wording carried elsewhere
conditions could have a material adverse effect
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land loans represented 366% of the Bank’s
Previous report — wording carried elsewhere
hold in our portfolio, our earnings would
Previous report — wording carried elsewhere
a result of the related increased
Previous report — wording carried elsewhere
could adversely affect our business, results