USCB FINANCIAL HOLDINGS, INC.

The information required

herein is incorporated

by reference from

the sections captioned

“Information with Respect

to

Nominees for Director

and Information About

Executive Officers”

and “Beneficial Ownership

of Common Stock

by Certain

Beneficial Owners and Management

– Delinquent Section 16(a) Reports”

in the Company’s Definitive

Proxy Statement for

the Annual Meeting

of Shareholders

currently expected

to be held

on May 26,

2026, is expected

to be

filed with the

SEC

within 120 days of December 31, 2025 (“2026 Definitive

Proxy Statement”).

The Company has

adopted a code

of ethics and

business conduct policy,

which applies to

all of its

directors, officers,

including its principal executive officer, principal financial officer, principal accounting officer,

and employees generally. The

Company will

provide a

copy

of its

code

of ethics

to any

person, free

of charge,

upon request.

Any requests

for a

copy

should

be

made

to

the

Corporate

Secretary,

USCB

Holdings,

Inc.,

N.W.

87th

Avenue,

Doral,

In

addition, a

copy

of the

Code of

Ethics is

available at

website

at www.uscentury.com

under

the “Investor

Relations” tab.

There

have

been

no

changes

to

the

by

which

may

recommend

nominees

to

the

Company’s Board.