COLLAZO ANDRES 4

What Happened
Andres Collazo, Executive Vice President of Operations & IT at USCB Financial Holdings (USCB), had 281 shares disposed on January 22, 2026 to satisfy tax withholding obligations related to equity awards. The shares were valued at $20.70 each, for a total of $5,817. This was a tax-withholding disposition (code F), not an open-market sale or a purchase.

Key Details

• Transaction date and price: January 22, 2026 — 281 shares at $20.70 ($5,817 total).
• Transaction code: F (payment of exercise price or tax liability / tax withholding).
• Shares owned after transaction: not specified in this Form 4 filing.
• Filing date: January 26, 2026 — filed within the SEC’s two-business-day window (timely).
• Footnotes of the filing (summary):
  • F1 lists multiple restricted stock grants with staggered vesting (includes 948 of 2,846; 1,763 of 5,289; 10,000 of 15,000; and 4,042 of 6,064 shares associated with different vesting start dates).
  • F2 and F3 describe option grants that vest one-third per year (commencing Sept 27, 2022 and April 25, 2017, respectively).

Context
Code F typically reflects shares withheld to cover taxes when restricted stock vests (a routine administrative action). These transactions are generally not interpreted as a directional bet on the stock by the insider. The filing’s footnotes indicate multiple ongoing restricted-stock and option vesting schedules underlying the withholding.