uscb-202610228K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON,

D.C. 20549

__________________________

FORM

8-K

__________________________

CURRENT REPORT

Pursuant to Section

13 or

15(d) of

the Securities Exchange

Act of

1934

Date of

Report (Date

of earliest

event reported):

October 22, 2026

__________________________

USCB Financial Holdings, Inc.

(Exact name

of Registrant

as Specified

in Its Charter)

__________________________

Florida

001-41196

87-4070846

(State or

Other Jurisdiction

of Incorporation)

(Commission

File Number)

(IRS Employer

Identification

No.)

2301 N.W. 87th Avenue

Doral

Florida

33172

(Address of

Principal

Executive

Offices)

(Zip Code)

Registrant’s

Telephone

Number,

Including Area

Code: (

305

)

715-5200

__________________________

Check the

appropriate

box below if the Form 8-K filing

is intended to simultaneously

satisfy the

filing obligation

of the registrant

under

any

of the

following provisions:

☐

Written

communications

pursuant

to Rule 425

under the

Securities Act (17 CFR 230.425)

☐

Soliciting material

pursuant

to Rule 14a

-12 under

the Exchange

Act (17 CFR 240.14a

-12)

☐

Pre-commencement

communications

pursuant

to Rule 14d

-2(b) under the

Exchange

Act (17 CFR 240.14d

-2(b))

☐

Pre-commencement

communications

pursuant

to Rule 13e

-4(c) under the

Exchange

Act (17 CFR 240.13e

-4(c))

Securities

registered

pursuant

to Section

12(b) of

the Act:

Title of

each class

Trading

Symbol(s)

Name of each exchange on which

registered

Class A common stock, $1.00 par value per share

USCB

The Nasdaq Stock Market LLC

Indicate

by check

mark

whether

the

registrant

is an

emerging

growth

company

as defined

in Rule

405 of

the

Securities

Act of

1933

(§ 230.405

of this chapter)

or Rule 12b-2 of

the Securities Exchange

Act of 1934

(§ 240.12b

-2 of this chapter).

Emerging

growth company

☒

emerging

growth

company,

indicate

check

mark

the

registrant

has

elected

not

use

the

extended

transition

period

for

complying with

any

new or revised financial

accounting

standards

provided

pursuant

to Section

13(a) of

the Exchange

Act.

☐

Item 2.02.

Results of

Operations and

Financial

Condition.

On October

22,

2026, USCB

Financial

Holdings,

Inc. (the

“Company”)

issued a press

release announcing

its financial

results

for the

quarter ended

September

30, 2026

A copy

of the press

release

is furnished

as Exhibit

99.1 to

this Current

Report

on Form 8-

(“Form

8-K”) and

is incorporated

herein by reference.

The information

this Item 2.02, including Exhibit

99.1 hereto, is being furnished and

shall not be deemed “filed” for purposes

of Section

18 of

the Securities

Exchange

Act of 1934

(the

“Exchange

Act”), or

otherwise be

subject

to the liability

of that

section,

and

shall

not

deemed

incorporated

reference

into

any

filing

under

the

Securities

Act

1933

(the

“Securities

Act”)

the

Exchange

Act except

as expressly

set forth

by specific reference

in such filing to this

Form 8-K.

Item 7.01.

Regulation

FD Disclosure.

As previously announced,

at 11:00 a.m.

ET on

October 23,

2026, the Company

will

hold an earnings

conference

call to discuss

its financial

performance

for the

quarter

ended

September

30, 2026.

A copy of

the slides forming the

basis of

the presentation

is being

furnished

as Exhibit

99.2 to

this Form

8-K

and

is incorporated

herein

by reference.

copy

the slides

has

also

been posted

the

Company’s

investor relations

website, located

investors.uscenturybank.com.

The information

this Item 7.01, including Exhibit

99.2 hereto, is being furnished and

shall not be deemed “filed” for purposes

of Section

18 of the Exchange

Act, or otherwise

be subject

to the liability

of that section, and

shall not

be deemed to

be incorporated by

reference

into any filing under the Securities

Act or the Exchange

Act except as set forth by specific

reference

in such filing to this Form

8-K.

Item 9.01.

Financial

Statements

and Exhibits.

(d) Exhibits.

Exhibit

No.

Description

99.1

USCB Financial Holdings, Inc. Press Release, dated October 22, 2026

99.2

Earnings Presentation, dated October 22, 2026

104

Cover Page

Interactive

Data

File

(embedded

within the Inline XBRL document)

SIGNATURE

Pursuant to

the requirements

of the Securities

Exchange

Act of 1934,

the registrant

has duly caused

this report to be

signed

its behalf

by the

undersigned hereunto

duly authorized.

USCB Financial

Holdings, Inc.

By:

/s/ Robert

Anderson

Name:

Robert

Anderson

Title:

Chief Financial

Officer

Date:

October 22,

2026