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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON,

D.C. 20549

__________________________

FORM

8-K

__________________________

CURRENT REPORT

Pursuant to Section

13 or15(d) ofthe Securities ExchangeAct of1934

Date of

Report (Dateof earliestevent reported):

October 22, 2026

__________________________

USCB Financial Holdings, Inc.

(Exact name

of Registrantas Specifiedin 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

PrincipalExecutiveOffices)

(Zip Code)

Registrant’s

TelephoneNumber,Including AreaCode: (

305

)

715-5200

__________________________

Check the

appropriatebox below if the Form 8-K filingis intended to simultaneouslysatisfy thefiling obligationof the registrantunder

any

of thefollowing provisions:

☐

Written

communicationspursuantto Rule 425under theSecurities Act (17 CFR 230.425)

☐

Soliciting material

pursuantto Rule 14a-12 underthe ExchangeAct (17 CFR 240.14a-12)

☐

Pre-commencement

communicationspursuantto Rule 14d-2(b) under theExchangeAct (17 CFR 240.14d-2(b))

☐

Pre-commencement

communicationspursuantto Rule 13e-4(c) under theExchangeAct (17 CFR 240.13e-4(c))

Securities

registeredpursuantto Section12(b) ofthe 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 checkmarkwhethertheregistrantis anemerginggrowthcompanyas definedin Rule405 oftheSecuritiesAct of1933

(§ 230.405

of this chapter)or Rule 12b-2 ofthe Securities ExchangeAct of 1934(§ 240.12b-2 of this chapter).

Emerging

growth company

☒

anemerginggrowthcompany,indicatebycheckmarkiftheregistranthaselectednottousetheextendedtransitionperiodfor

complying with

anynew or revised financialaccountingstandardsprovidedpursuantto Section13(a) ofthe ExchangeAct.

☐

Item 2.02.

Results ofOperations andFinancialCondition.

On October

22,2026, USCBFinancialHoldings,Inc. (the“Company”)issued a pressrelease announcingits financialresults

for the

quarter endedSeptember30, 2026.A copyof the pressreleaseis furnishedas Exhibit99.1 tothis CurrentReporton Form 8-

(“Form

8-K”) andis incorporatedherein by reference.

The information

inthis Item 2.02, including Exhibit99.1 hereto, is being furnished andshall not be deemed “filed” for purposes

of Section

18 ofthe SecuritiesExchangeAct of 1934(the“ExchangeAct”), orotherwise besubjectto the liabilityof thatsection,and

shall

notbedeemedtobeincorporatedbyreferenceintoanyfilingundertheSecuritiesActof1933(the“SecuritiesAct”)orthe

Exchange

Act exceptas expresslyset forthby specific referencein such filing to thisForm 8-K.

Item 7.01.

RegulationFD Disclosure.

As previously announced,

at 11:00 a.m.ET onOctober 23,2026, the Companywillhold an earningsconferencecall to discuss

its financial

performancefor thequarterendedSeptember30, 2026.A copy ofthe slides forming thebasis ofthe presentationis being

furnished

as Exhibit99.2 tothis Form8-Kandis incorporatedhereinby reference.Acopyofthe slideshasalsobeen postedtothe

Company’s

investor relationswebsite, locatedatinvestors.uscenturybank.com.

The information

inthis Item 7.01, including Exhibit99.2 hereto, is being furnished andshall not be deemed “filed” for purposes

of Section

18 of the ExchangeAct, or otherwisebe subjectto the liabilityof that section, andshall notbe deemed tobe incorporated by

reference

into any filing under the SecuritiesAct or the ExchangeAct except as set forth by specificreferencein such filing to this Form

8-K.

Item 9.01.

FinancialStatementsand Exhibits.

(d) Exhibits.

Exhibit

No.

Description

99.1

USCB Financial Holdings, Inc. 新闻稿，日期为 2026 年 10 月 22 日

99.2

业绩演示文稿，日期为 2026 年 10 月 22 日

104

封面

交互式数据文件（嵌入 Inline XBRL 文档中）

签名

根据

1934 年《证券交易法》的要求，注册人已正式促使本报告由下列经正式授权的签署人代表其签署

代表其

由下列经正式授权的签署人签署。

USCB Financial

Holdings, Inc.

签署：

/s/ Robert

Anderson

姓名：

Robert

Anderson

职务：

首席财务

官

日期：

2026 年 10 月 22 日

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