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    <element name="ConversionOfStockSharesIssuedConvertedFrom" id="uscb_ConversionOfStockSharesIssuedConvertedFrom" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="PercentOfTotalLoans" id="uscb_PercentOfTotalLoans" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" />
    <element name="CaresActModificationsMember" id="uscb_CaresActModificationsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="FinancialAssetNonAccrualMember" id="uscb_FinancialAssetNonAccrualMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="TdrLoansMember" id="uscb_TdrLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
</schema>
