BUSTLE NICHOLAS 4

What Happened
Nicholas Bustle, EVP and Chief Lending Officer of USCB Financial Holdings, was granted 7,015 shares of restricted common stock on 2026-01-27. The grant is reported at $0 (typical for restricted stock awards on Form 4) and will vest at a rate of one-third per year beginning January 27, 2027. This is a compensation award rather than an open-market purchase or sale.

Key Details

• Transaction date: 2026-01-27; reported on Form 4 filed 2026-01-28 (timely filing).
• Transaction type/code: A — Award/Grant of restricted stock.
• Shares granted: 7,015; price reported: $0; total reported value: $0.
• Vesting: One-third per year commencing Jan 27, 2027 (see footnote F1).
• Shares owned after transaction: Not specified in the supplied summary of the filing.
• Related footnotes: F2 summarizes previously granted restricted shares from multiple prior grants that are in various vesting schedules; F3 and F4 note option vesting rates from earlier grants.
• No 10b5-1 plan, tax-withholding sale, or cashless exercise is indicated in this transaction.

Context
Restricted stock awards are common executive compensation and are subject to vesting conditions; they do not represent an immediate sale or open-market purchase. Because the shares vest over time, this grant is a retention/compensation action rather than a direct signal to buy or sell stock. The filing also references earlier grants and option grants with staggered vesting schedules (see footnotes), which affect the insider’s future taxable events and potential share availability as vesting occurs.