USCB Financial Holdings, Inc. (NASDAQ: USCB) (“the company”) is a ~$3 billion bank holding company headquartered in Miami, Florida. Its primary subsidiary, U.S. Century Bank (“the bank”), underwent a $65 million recapitalization in 2015 that brought in the current management team and repositioned the franchise. Publicly traded following its $40 million IPO in July 2021, the bank operates 10 branches primarily within the Miami-Dade MSA and has predominantly pursued organic growth. Ownership remains relatively concentrated with Priam Capital Fund holding 22% of outstanding shares. In August 2025, the company issued $40 million of subordinated debt, with proceeds subsequently used to repurchase 2 million shares of Class A common stock from Patriot Financial Partners for ~$34 million, reducing its ownership to a level that is no longer meaningful.
The $2.3 billion loan portfolio is commercially oriented, with investor CRE (including multi-family) comprising…
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