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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 (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.
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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.
PBCO Financial has declared its first cash dividend since 2009, representing 15% of 2024 year-end net income, amounting to $0.229 per share. The dividend will be paid on March 5, 2025, to shareholders of record February 19, 2025.
As of December 31, 2024, the company reported:
- Total assets: $798.6 million
- Total deposits: $673.8 million
- Shareholder's equity: $87.6 million
- Net income: $8.1 million
- Earnings per share: $1.52
The company maintains strong capitalization according to regulatory standards.
PBCO Financial reported strong financial results for Q4 2024, with net income of $2.7 million and earnings per share of $0.51, up from $1.9 million and $0.36 in Q3 2024. The company's annual earnings per share significantly improved to $1.52 in 2024 from $0.19 in 2023.
Key performance indicators showed positive trends with net interest margin increasing to 3.67%, a 16 basis points rise from the previous quarter. Total deposits grew by 7.0% year-over-year, while the loan portfolio increased by 5.8%. The bank's loan yield improved to 6.06% in Q4 2024 compared to 5.68% in Q4 2023.
The company's tangible book value per share increased to $15.84 from $13.86 at the prior year-end, while maintaining a strong leverage ratio of 13.92%. However, due to higher market rates, the company's AOCI book loss increased to $12.3 million in Q4 from $10.0 million in Q3 2024.