USCB Financial Holdings, Inc., the parent company of U.S. Century Bank, has announced the appointment of Sergio E. Garrido as the new Senior Vice President and Chief Credit Officer, effective July 6, 2026. Garrido succeeds William 'Bill' Turner, who will retire on July 3, 2026, after a notable career in banking that has spanned over four decades. Luis de la Aguilera, Chairman and CEO, expressed gratitude for Turner's leadership and contributions to the bank. Garrido brings over 15 years of experience in commercial credit and credit risk management, with more than 11 years at U.S. Century Bank. His previous role as Director of Credit Underwriting involved significant collaboration with various stakeholders to enhance the bank's credit portfolio. The appointment reflects a strategic transition aimed at preserving the bank's disciplined credit culture while fostering internal leadership development. Garrido holds an MBA from the University of Florida and a bachelor's degree from Florida International University.