Private Bancorp director reports 313-share holding

Q: What insider position did PBAM director Kathy Lonowski report?

Kathy Lonowski reported beneficial ownership of 313 shares of Private Bancorp of America, Inc. common stock, held directly. This is an initial ownership disclosure without any new buy or sell transaction indicated.

Q: Does the PBAM Form 3 for Kathy Lonowski show any stock transactions?

No transactions are shown. The filing reports holdings only, listing 313 common shares owned directly, with no associated purchase, sale, exercise, or other transaction activity disclosed in this statement.

Q: How many PBAM common shares does Kathy Lonowski directly own?

The filing states that Kathy Lonowski directly owns 313 shares of Private Bancorp of America, Inc. common stock following the reported position, reflecting her current direct beneficial ownership.

Q: What type of security does the PBAM director’s Form 3 cover?

The reported holdings relate to Common Stock of Private Bancorp of America, Inc. The statement indicates 313 shares of this security class are owned directly by director Kathy Lonowski.

Q: Is there a power of attorney included with the PBAM director’s filing?

Yes. The remarks reference Exhibit 24 - Power of Attorney, indicating that a power-of-attorney document authorizing certain filing-related actions is included with this ownership statement.

Private Bancorp of America, Inc. director Kathy Lonowski reported her initial ownership position in the company’s Common Stock.

Filing Impact

(Moderate)

Filing Sentiment

(Neutral)How Sentiment works

Sentiment and the balance of points

Rhea-AI Sentiment reads the wording of the document, how positive or negative its language is on a 1 to 5 scale. The balance of points shown with the takes weighs what the document actually discloses, so the two can disagree, for example when a trial that missed its main goal is described in upbeat language.

How Sentiment works How the balance works

Form Type

Rhea-AI Filing Summary

Private Bancorp of America, Inc. director Kathy Lonowski reported her initial ownership position in the company’s Common Stock. The filing lists beneficial ownership of 313 shares held directly, with no purchase, sale, or option exercise transactions reported in connection with this statement. An accompanying exhibit provides a power of attorney authorizing future filing actions.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Lonowski Kathy

Role Director

Type	Security	Shares	Price	Value
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 313 shares (Direct)

Key Figures

Common shares beneficially owned: 313 shares

1 metrics

Common shares beneficially owned 313 shares Direct ownership reported as of 2026-07-29 on initial insider statement

Key Terms

Common Stock, beneficial ownership, Power of Attorney

3 terms

Common Stock financial

"security_title: "Common Stock""

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

beneficial ownership financial

"The filing lists beneficial ownership of 313 shares held directly"

Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.

Power of Attorney regulatory

"remarks: "Exhibit 24 - Power of Attorney""

A power of attorney is a legal document that allows one person to make decisions and act on behalf of another person, often in financial or legal matters. It’s like giving someone a trusted helper or agent the authority to handle important tasks if you are unable to do so yourself. This matters to investors because it can impact how their assets are managed or transferred if they become unable to oversee their affairs.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider position did PBAM director Kathy Lonowski report?

Kathy Lonowski reported beneficial ownership of 313 shares of Private Bancorp of America, Inc. common stock, held directly. This is an initial ownership disclosure without any new buy or sell transaction indicated.

Does the PBAM Form 3 for Kathy Lonowski show any stock transactions?

No transactions are shown. The filing reports holdings only, listing 313 common shares owned directly, with no associated purchase, sale, exercise, or other transaction activity disclosed in this statement.

How many PBAM common shares does Kathy Lonowski directly own?

The filing states that Kathy Lonowski directly owns 313 shares of Private Bancorp of America, Inc. common stock following the reported position, reflecting her current direct beneficial ownership.

What type of security does the PBAM director’s Form 3 cover?

The reported holdings relate to Common Stock of Private Bancorp of America, Inc. The statement indicates 313 shares of this security class are owned directly by director Kathy Lonowski.

Is there a power of attorney included with the PBAM director’s filing?

Yes. The remarks reference Exhibit 24 - Power of Attorney, indicating that a power-of-attorney document authorizing certain filing-related actions is included with this ownership statement.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 07/29/2026 - 04:55 PM EDT

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

Lonowski Kathy

(Last)

(First)

(Middle)

9404 GENESEE AVE.

SUITE 100

(Street)

LA JOLLA

CALIFORNIA

92037

(City)

(State)

(Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
07/29/2026

3. Issuer Name and Ticker or Trading Symbol
Private Bancorp of America, Inc. [ PBAM ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director	10% Owner
	Officer (give title below)	Other (specify below)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	313	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
1. Title of Derivative Security (Instr. 4)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)

Explanation of Responses:

Remarks:

Exhibit 24 - Power of Attorney

	/s/ Kathy Lonowski	07/29/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)

Source: View Original Filing on SEC EDGAR