USCB FINANCIAL HOLDINGS, INC.

Market

for

Registrant’s

Common

Equity,

Related

Stockholder

Matters

and

Issuer

Purchases

of

Equity

(a)

Market Information

In July

2021, the Bank’s

stock began trading

on the

Nasdaq Stock Market

under ticker

symbol “USCB”.

Effective December

30, 2021,

acquired all

outstanding shares

of Class

stock of

the

Bank

in

with

the

bank

holding

company

reorganization.

Each

of

the

shares

of

the

Bank’s

common

stock

formerly

held

by

its

was

into

and

exchanged

for

one

newly

issued

share

of

the

Company’s Class A common stock. The Company’s

Class A common stock is also listed on the Nasdaq Stock

Market and

uses the same ticker symbol.

The listing of our Class

A common stock on the

Nasdaq Stock Market has

resulted in a more active

trading market for

our Class A common

stock. However, we cannot assure investors that

a liquid trading market

for our Class A

will be sustained.

Prior

to

our

listing

on

the

Nasdaq

Stock

Market

there

was

not

an

public

trading

market

for

the

Class

A

common shares.

As of December 31, 2025, our

Class B common stock is

not listed or traded

on any stock exchange and

no shares were

issued and outstanding at such date.

Holders

As of

February

28,

2026,

the

Class

shares

were held

by

550 shareholders

of

record,

not including

the number

of persons

or entities

whose stock

is held

in nominee

or “street”

name through

various

brokerage firms and banks.

As a bank holding company, the Company’s ability to declare and pay dividends depends on various federal regulatory

considerations, including

the guidelines

Reserve regarding

capital adequacy

and dividends.

has agreed to provide notice to the Federal Reserve prior to paying

any cash dividends on its Class A common stock.

Because we are

a bank holding

company and currently do

not engage directly in

business activities of a

material nature,

our ability to pay dividends

to our shareholders depends,

in large part, upon

our receipt of dividends

from the Bank, which

is also subject to

numerous limitations on

the payment of dividends

under federal and state

banking laws, regulations

and

policies. The Bank cannot

declare and pay and

cash dividends to

the Company without receiving

the prior approval of

the

FDIC.

The principal

source of

revenue with

which to

pay dividends

on common

shares are

dividends the

Bank may

declare

and

pay

out

of

funds

legally

for

payment

of

dividends.

As

a

Florida

corporation,

we

are

only

to

pay

dividends to shareholders if, after giving effect to the dividend, (i) the Company is able to pay its debts as they become due

in the ordinary course

of business and

(ii) the Company’s

assets exceeds the

sum of Company’s

(a) liabilities plus

(b) the

amount that

would be

needed for

to satisfy

the preferential

rights

upon dissolution

of shareholders

whose

preferential rights are superior to those receiving the dividend,

if any.

Securities Authorized for Issuance Under Equity Compensation

Plans

See Note 10 ”Equity Based

and Other Compensation Plans” to

the Consolidated Financial Statements

included in this

Annual Report Form on 10-K for additional information

required.