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PBCO Financial Corporation reports banking developments as the holding company of People’s Bank of Commerce, an Oregon-based community bank whose shares trade over the counter under PBCO. Company news centers on earnings releases, loan and deposit trends, net interest margin, investment portfolio activity, regulatory capital measures, and credit quality in the bank’s loan portfolio.
Recurring updates also cover cash dividends, share repurchases tied to completed capital actions, and non-interest income from the Steelhead Finance factoring division. Governance-related announcements include officer transitions at the holding company and bank, while operating commentary often addresses loan prepayments, deposit costs, and the balance between core deposit funding and loan growth.
PBCO Financial Corporation (OTC: PBCO) declared a semi-annual cash dividend of $0.14 per share, equal to approximately 15% of year-to-date net income through June 30, 2026. The dividend will be paid on September 10, 2026 to shareholders of record on August 20, 2026.
As of June 30, 2026, PBCO reported total assets of $776.6 million, total deposits of $610.1 million, and shareholders’ equity of $100.2 million. Year-to-date net income was $4.9 million, or $0.96 earnings per share.
PBCO Financial Corporation (OTCID:PBCO) reported Q2 2026 net income of $2.2 million and diluted EPS of $0.43, down from $2.7 million and $0.52 in Q1 2026. Return on average assets was 1.14% and net interest margin was 4.20%.
Cost of deposits fell to 1.35%, while tangible book value per share rose 2.4% to $19.03. Portfolio loans increased $2.1 million (0.4%), and deposits declined $35.2 million. Noninterest income grew $402 thousand, driven by a 30.5% rise in Steelhead Finance factoring revenue (+$432 thousand). Noninterest expense increased $445 thousand, including a $170 thousand one‑time vendor contract write‑off.
As of June 30, 2026, the Bank’s leverage ratio was 15.40% and tangible common equity was $96.5 million. On July 22, 2026, the Company entered into a definitive agreement to merge with and into Northrim BanCorp.
PBCO Financial Corporation (OTCID: PBCO) reported Q1 2026 net income $2.7M and EPS $0.52, versus $2.5M and $0.48 in Q4 2025. Return on average assets rose to 1.37% and net interest margin to 4.21%. Tangible book value per share was $18.59 (up 1.4%).
Deposits fell $8.6M (1.3%) after a large customer exit; a $10.0M loan prepayment limited loan growth. Non-interest income rose $166k, led by $136k from Steelhead Finance. The company repurchased 50,841 shares at a $18.30 weighted average.
PBCO (OTCID: PBCO) declared a cash dividend of $0.25 per share, payable March 5, 2026, to shareholders of record February 18, 2026. The dividend represents approximately 15% of 2025 net income. As of December 31, 2025, PBCO reported $788.6M total assets, $654.0M deposits, $97.6M shareholders' equity, and $8.6M net income (EPS $1.63) for 2025.
PBCO Financial Corporation (OTCPK: PBCO) reported fourth-quarter 2025 net income of $2.5 million and EPS of $0.48, up from $2.1 million and $0.39 in Q3 2025. For the year, EPS was $1.63 versus $1.52 in 2024. Loans totaled $567.7 million, +1.3% quarter and +3.9% year. Deposits ended at $654.0 million, down 3.4% quarter and 2.9% year. Tangible book value per share was $18.34 (+3.9% qtr). The company repurchased a total of 130,617 shares during the quarter (including ESOP termination). AOCI declined to $7.0 million from $7.8 million.
Summary not available.
PBCO Financial Corporation (OTCPK: PBCO) reported net income of $2.1 million and EPS of $0.39 for Q3 2025, unchanged from Q2 2025. Loans increased by $6.7 million (1.2%) to $560.6 million while deposits declined $3.1 million (0.5%) to $676.9 million. Tangible book value per share rose to $17.65 (+3.5% Q3). The investment portfolio fell to $120.0 million (down 6.6%) and accumulated other comprehensive income decreased to $7.8 million from $8.8 million. The company completed a stock repurchase of 11,065 shares at a weighted average price of $15.59. Leverage ratio was 14.29% and tangible common equity totaled $92.6 million.
PBCO Financial Corporation (OTCPK: PBCO) reported strong Q2 2025 financial results with net income of $2.1 million and earnings per share of $0.39, up from $1.9 million and $0.36 in Q1 2025. The company's performance showed notable improvements with net interest margin increasing to 3.76% from 3.63% in Q1.
Key highlights include a loan portfolio increase to $553.9 million, strong credit quality, and successful execution of a stock repurchase program buying back 39,057 shares at an average price of $14.42. The Bank's leverage ratio strengthened to 14.03%, while tangible common equity grew to $89.7 million from $86.8 million in the previous quarter.
The company demonstrated improved profitability with return on average assets rising to 1.01% from 0.96%, driven by increased net interest income and non-interest income.PBCO Financial reported strong Q1 2025 results with net income of $1.9 million and earnings per share of $0.37, marking a 16.09% increase from Q1 2024. The company demonstrated robust performance with a 7.6% year-over-year increase in total deposits and an improved net interest margin of 3.63%.
Key highlights include:
- Loan portfolio reached $551.0 million, up 0.8% year-over-year
- Loan portfolio yield increased to 6.13% from 5.83% in Q1 2024
- Tangible book value per share grew 16.7% to $16.39
- Investment portfolio decreased 11.2% to $131.9 million
- Cash dividend of $0.229 per share paid, first since 2009
While credit quality remains strong overall, the bank reported an increase in non-performing loans due to a $2.1 million relationship downgrade. The allowance for credit losses remained stable at 1.03%, with a provision expense of $51 thousand for the quarter.
PBCO Financial (OTCPK: PBCO) has announced its Board of Directors' adoption of a $3 million stock repurchase program, marking the company's first buyback initiative since its holding company formation in 2022. The program is set to commence on or after February 18, 2025, and will run through December 31, 2026, unless terminated or extended earlier.
Shares may be repurchased through open market or private transactions, with timing and volume dependent on factors including stock availability, market conditions, trading price, and the company's financial performance. The initiative reflects PBCO's strong capital position and aims to enhance shareholder value while increasing returns and liquidity for shareholders.