PCB BANCORP

Listed Company

PCBCIK 0001423869NasdaqAcceleratedSmaller ReportingState Commercial BanksFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$37.45M

Total Assets

$3.28B

Equity

$390.03M

Shares Out

14.23M

Op. Cash Flow

$26.59M

PCB$28.88+31.69% · past yearDBEQ Basic

Daily closing prices

Business

PCB Bancorp is a bank holding company for PCB Bank, a California state-chartered commercial bank serving small and middle-market businesses and individuals. The bank offers commercial real estate loans, commercial and industrial loans, consumer loans, deposits, and treasury management services through nine branches in California, three on the East Coast, two in Texas, one in Georgia, and loan originators in Washington. The company operates as a single segment focused on relationship banking in its primary lending areas.

Summary from 10-K filed 2026-03-16

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans, including fees	180	164	136	95	79
Tax-exempt investment securities	87,000	102,000	126,000	140,000	146,000
Taxable investment securities	6	5	5	3	1
Other interest-earning assets	11	11	10	4	704,000
Total interest income	198	181	151	102	81
Deposits	92	90	62	12	4
Other borrowings	1	2	508,000	135,000	292,000
Total interest expense	94	92	63	12	—
Net interest income	104	89	89	90	77
Provision (reversal) for credit losses	4	3	−132,000	4	−5
Net interest income after provision (reversal) for credit losses	100	85	89	86	82
Service charges and fees on deposits	2	2	1	1	—
Loan servicing income	3	3	3	3	3
Bank-owned life insurance income	1	949,000	753,000	706,000	108,000
Gain on sale of loans	5	4	4	8	13
Other income	2	1	2	2	1
Total noninterest income	12	11	11	14	18
Salaries and employee benefits	37	36	35	33	28
Occupancy and equipment	9	9	8	6	6
Professional fees	3	3	3	2	2
Marketing and business promotion	2	2	2	2	2
Data processing	1	1	2	2	2
Director fees and expenses	898,000	906,000	756,000	706,000	594,000
Regulatory assessments	1	1	1	597,000	537,000
Other expenses	5	6	5	4	3
Total noninterest expense	59	60	56	51	43
Income before income taxes	52	36	43	49	57
Income tax expense	15	10	13	14	17
Net income	37	26	31	35	40
Preferred stock dividends	300,000	834,000	0	0	—
Net income available to common shareholders	37	25	31	35	—
Earnings per common share, basic (in dollars per share)	2.59	1.75	2.14	2.35	2.66
Earnings per common share, diluted (in dollars per share)	2.58	1.74	2.12	2.31	2.62
Weighted-average common shares outstanding, basic (in shares)	14	14	14	15	15
Weighted-average common shares outstanding, diluted (in shares)	14	14	14	15	15

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from banks	25	27	27	23	15
Interest-bearing deposits in other financial institutions	182	172	216	124	188
Total cash and cash equivalents	207	199	242	147	203
Securities available-for-sale, at fair value (amortized cost of $167,053 and $159,742, respectively, and allowance for credit losses of $0 and $0, respectively, at December 31, 2025 and 2024)	160	146	143	142	123
Loans held-for-sale	12	6	5	23	37
Loans held-for-investment, net of deferred loan costs (fees)	2,820	2,629	2,323	2,046	1,732
Allowance for credit losses on loans	−33	−31	−28	−25	−22
Net loans held-for-investment	2,787	2,599	2,296	2,021	1,710
Premises and equipment, net	8	8	6	7	3
Federal Home Loan Bank and other restricted stock, at cost	15	14	13	10	9
Bank-owned life insurance	33	32	31	30	29
Deferred tax assets, net	9	7	0	3	11
Servicing assets	6	6	7	7	7
Operating lease assets	17	17	19	6	7
Accrued interest receivable	11	10	9	7	5
Other assets	17	19	16	16	5
Total assets	3,282	3,064	2,790	2,420	2,150
Noninterest-bearing demand	556	548	595	735	830
Savings, NOW and money market accounts	676	467	421	515	423
Time deposits of $250,000 or less	855	936	760	382	342
Time deposits of more than $250,000	709	665	576	414	272
Total deposits	2,800	2,620	2,350	2,050	1,870
Other short-term borrowings	0	15	0	—	—
Federal Home Loan Bank advances	34	0	39	20	10
Operating lease liabilities	19	19	20	7	7
Accrued interest payable and other liabilities	43	51	29	12	9
Total liabilities	2,892	2,700	2,441	2,085	1,893
Commitments and contingent liabilities	—	—	—	—	—
Series C, senior non-cumulative perpetual, $1,000 per share liquidation preference, 69,141 and 69,141 shares issued and outstanding at December 31, 2025 and 2024, respectively	69	69	69	69	0
Common stock, 60,000,000 shares authorized, no par value; issued and outstanding 14,230,428 and 14,380,651 shares, respectively, and included 90,850 and 119,100 shares of unvested restricted stock, respectively, at December 31, 2025 and 2024	139	143	143	150	155
Retained earnings	186	161	146	127	101
Accumulated other comprehensive loss, net	−5	−9	−9	−11	154,000
Total shareholders equity	390	364	349	335	256
Total liabilities and shareholders equity	3,282	3,064	2,790	2,420	2,150

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation of premises and equipment	2	2	2	2	1
Net amortization of premiums on securities	146,000	159,000	209,000	367,000	1
Net accretion of discounts on loans	−3	−3	−2	−4	−4
Net accretion of deferred loan fees	−1	−1	−1	−2	−6
Amortization of servicing assets	2	2	2	2	2
Deferred tax expense (benefit)	−4	−8	4	12	−2
Share-based compensation	973,000	504,000	488,000	539,000	453,000
Originations of loans held-for-sale	−92	−74	−69	−106	−172
Proceeds from sales of and principal collected on loans held-for-sale	91	78	87	133	150
Change in accrued interest receivable and other assets	2	−4	−934,000	−13	3
Change in accrued interest payable and other liabilities	−8	22	14	2	2
Net cash provided by operating activities	27	39	63	57	−2
Purchase of securities available-for-sale	−32	−23	−17	−57	−47
Proceeds from maturities, calls, and paydowns of securities available-for-sale	24	20	18	23	41
Proceeds from sales of and principal collected on loans held-for-sale previously classified as held-for-investment	0	676,000	5	458,000	9
Net increase in loans held-for-investment	−190	−305	−261	−317	−149
Purchase of loans held-for-investment	0	0	−16	0	−2
Purchase of Federal Home Loan Bank and other restricted stock	−936,000	−1	−3	−2	−130,000
Proceeds from sale of other real estate owned	0	3	0	1	3
Purchases of premises and equipment	−2	−4	−1	−5	−430,000
Investment in private equity	0	1	0	0	—
Net cash used in investing activities	−200	−312	−275	−357	−175
Net increase in deposits	180	264	306	179	272
Net change in short-term Federal Home Loan Bank advances and other borrowings	19	15	−20	20	0
Proceeds from long-term Federal Home Loan Bank advances	0	50	39	0	0
Repayment of long-term Federal Home Loan Bank advances	0	−89	0	−10	−70
Stock options exercised	2	353,000	1	840,000	1
Restricted stock surrendered due to employee tax liability	−81,000	−3,000	−2,000	−8,000	−4,000
Stock repurchase excise tax	−8,000	−62,000	0	0	—
Repurchase of common stock	−7	−222,000	−9	−7	−11
Cash dividends paid on preferred stock	−346,000	−772,000	0	0	—
Cash dividends paid on common stock	−11	−10	−10	−9	−7
Net cash provided by financing activities	182	229	307	243	186
Net increase (decrease) in cash and cash equivalents	8	−44	95	−56	9
Interest paid	93	86	48	10	6
Income taxes paid	23	6	4	14	15
Loans transferred to loans held-for-sale	0	676,000	0	4	9
Loans transferred to other real estate owned	0	94,000	593,000	151,000	905,000
Right-of-use assets obtained in exchange for lease obligations	3	973,000	15	2	1

Filings

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Frequently asked questions

What is PCB BANCORP's CIK number?

PCB BANCORP's SEC CIK number is 0001423869 (1423869). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find PCB BANCORP's SEC filings?

All of PCB BANCORP's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did PCB BANCORP last report earnings?

PCB BANCORP (PCB) most recently filed an earnings 8-K with the SEC on Apr 23, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001423869-26-000015). This is PCB BANCORP's most recent earnings filing of record — not a forecast of its next earnings date.

What is PCB BANCORP's most recent earnings 8-K?

PCB BANCORP's latest earnings 8-K (Item 2.02) was filed Apr 23, 2026 under accession 0001423869-26-000015. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

View PCB BANCORP's latest earnings 8-K →
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