COLLAZO ANDRES 4

What Happened Andres Collazo, Executive Vice President, Operations & IT of USCB Financial Holdings (USCB), disposed of 600 shares on January 21, 2026 to satisfy a tax or exercise-related obligation. The shares were recorded at $20.38 per share for a total value of $12,228. The transaction is coded “F” on the Form 4, indicating payment of an exercise price or tax liability (share withholding), not an open-market sale.

Key Details

• Transaction date: January 21, 2026; filing date: January 23, 2026 (Form 4 accession 0001437749-26-001845).
• Shares disposed: 600 at $20.38 each; total value $12,228.
• Transaction code: F — payment of exercise price or tax liability (shares withheld/surrendered).
• Shares owned after transaction: not specified in the provided Form 4.
• Notable footnotes:
  • F1: References multiple restricted stock grants with staggered vesting (includes specific share counts from grants that began vesting in 2024, 2025 and commencing Jan 21, 2026).
  • F2/F3: Notes earlier option grants that vest at one-third per year starting Sept 27, 2022 and Apr 25, 2017, respectively.
• Filing timeliness: Filed two days after the transaction (appears timely based on the Form 4).

Context This was a withholding/surrender to cover taxes or exercise costs (common when restricted stock vests or options are exercised) rather than an open-market sell driven by portfolio rebalancing. Such tax-withholding dispositions don’t necessarily signal the insider’s view of the company’s prospects.