Welcome to our dedicated page for Pcb Bancorp SEC filings (Ticker: PCB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
PCB Bancorp filings document the bank holding company's financial results, shareholder returns, governance, and capital structure. Recent 8-K reports include results of operations, Regulation FD investor presentations, quarterly common-stock dividends, and stock repurchase program disclosures. Proxy materials cover board matters, executive compensation, equity awards, pay-versus-performance data, and shareholder voting items. The filings frame PCB Bank's earnings drivers through banking metrics such as net interest income, credit-loss provisions, allowance levels, deposits, loans, SBA loan sale activity, noninterest expense, and capital actions.
PCB Bancorp reported the results of its annual shareholder meeting held on May 27, 2026. As of the March 31, 2026 record date, 14,231,423 common shares were outstanding, and 10,029,076 shares were represented, equal to 70.47% of shares entitled to vote.
Shareholders elected eight directors, with each nominee receiving more votes for than withheld and significant broker non-votes recorded on the director slate. An advisory vote on executive compensation passed, with 8,493,476 votes for versus 138,194 against and 10,060 abstentions.
Shareholders also ratified the appointment of Crowe LLP as independent registered public accounting firm for the fiscal year ending December 31, 2026, with 10,015,747 votes for, 12,926 against, and 403 abstentions, and no broker non-votes recorded on this item.
PCB Bancorp reported net income of $10.7 million for the three months ended March 31, 2026, up from $7.7 million a year earlier. Net interest income rose to $26.8 million, supported by loan growth to $2.87 billion and deposits of $2.89 billion.
Provision for credit losses declined to $467,000, while noninterest income increased on higher gains from loan sales and servicing income. Earnings per diluted share improved to $0.74 from $0.53. Return on average assets was 1.30% and return on average shareholders’ equity was 10.95%, with a net interest margin of 3.36%.
Regulatory capital remained strong, with a consolidated tier 1 leverage ratio of 12.05% and common equity tier 1 ratio of 11.48%. The allowance for credit losses on loans was $33.9 million, or 1.18% of loans held-for-investment, reflecting both portfolio growth and qualitative adjustments.
PCB Bancorp reported stronger first-quarter 2026 results with net income available to common shareholders of $10.6 million, or $0.74 per diluted share, up from $9.1 million ($0.64) in the prior quarter and $7.7 million ($0.53) a year earlier.
Net interest income rose to $26.8 million and net interest margin improved to 3.36%, while provision for credit losses fell to $467 thousand. Noninterest income grew 32.6% year over year, led by higher gains on SBA loan sales. Total assets reached $3.40 billion, loans held-for-investment were $2.87 billion, and deposits were $2.89 billion.
Asset quality remained solid, with non-performing assets at $9.3 million, or 0.27% of total assets, and the allowance for credit losses on loans at 1.18% of loans held-for-investment. Capital ratios stayed well above regulatory “well-capitalized” levels and tangible common equity per share was $23.02.
The board declared a $0.22 quarterly cash dividend per common share, payable on or about May 15, 2026, to shareholders of record on May 8, 2026, continuing the company’s pattern of returning capital while growing earnings and balance sheet.
PCB Bancorp reported stronger first-quarter 2026 results with net income available to common shareholders of $10.6 million, or $0.74 per diluted share, up from $9.1 million ($0.64) in the prior quarter and $7.7 million ($0.53) a year earlier.
Net interest income rose to $26.8 million and net interest margin improved to 3.36%, while provision for credit losses fell to $467 thousand. Noninterest income grew 32.6% year over year, led by higher gains on SBA loan sales. Total assets reached $3.40 billion, loans held-for-investment were $2.87 billion, and deposits were $2.89 billion.
Asset quality remained solid, with non-performing assets at $9.3 million, or 0.27% of total assets, and the allowance for credit losses on loans at 1.18% of loans held-for-investment. Capital ratios stayed well above regulatory “well-capitalized” levels and tangible common equity per share was $23.02.
The board declared a $0.22 quarterly cash dividend per common share, payable on or about May 15, 2026, to shareholders of record on May 8, 2026, continuing the company’s pattern of returning capital while growing earnings and balance sheet.
PCB Bancorp is asking shareholders to vote at its May 27, 2026 annual meeting while highlighting a strong 2025. The bank generated $37.5 million in net income, or $2.58 per diluted share, on record net interest income of $104 million.
Total assets reached $3.28 billion, with loans up 7.5% to $2.83 billion and deposits up 6.9% to $2.80 billion. Credit quality remained solid with non-performing assets at 0.24% of total assets and 2025 return on average tangible common equity of 12.07%; tangible book value per share rose to $22.55.
The company raised its quarterly dividend from $0.18 to $0.22 per share over 2025–early 2026 and repurchased about 358,251 shares for $7.1 millionCrowe LLP as auditor, with a majority-independent board overseeing audit, compensation, and governance.
PCB Bancorp files its annual report describing a growing Korean‑American focused community bank operating 15 full‑service branches across California, New York, New Jersey, Texas and Georgia, plus SBA loan originators in Washington. The bank offers a broad mix of commercial real estate, commercial and industrial, and consumer lending.
Loans held‑for‑investment were $2,820,400 thousand at December 31, 2025, up from $2,629,387 thousand, with 67.5% in commercial real estate and 18.0% in commercial and industrial loans. Loans held‑for‑sale totaled $12,077 thousand. As of June 30, 2025, non‑affiliate market value of common stock was about $225.1 million, and 14,225,579 shares were outstanding as of February 28, 2026.
Total deposits were $2.80 billion at December 31, 2025, with core deposits representing 64.6% and wholesale deposits 12.2% of total deposits; the average cost of deposits was 3.33% in 2025. The bank had overnight FHLB advances of $34.0 million and additional FHLB borrowing capacity of $840.6 million, plus unused fed funds capacity of $65.0 million.
Management highlights a conservative credit culture, centralized SBA lending, active interest‑rate and liquidity management, and detailed regulatory capital and risk governance. Commercial real estate loans equaled 307.7% of total risk‑based capital under regulatory definitions, and net interest income is modeled as positively sensitive to rising rates and negatively sensitive to falling rates.
PCB Bancorp director and 10% owner Sang Young Lee, through a family trust, bought additional PCB common stock in open-market transactions. The trust purchased 7,500 shares at $22.25 per share on March 5, 2026 and 1,090 shares at $21.75 on March 6, 2026, increasing indirect holdings to 1,601,551 shares.
PCB Bancorp director and 10% owner Sang Young Lee reported additional insider buying through a family trust. On March 3–4, 2026, the family trust purchased a total of 2,092 shares of PCB Bancorp common stock in open-market transactions at prices of $22.00 and $22.75 per share. Following these purchases, the trust’s indirect holdings reported for Lee increased to 1,592,961 shares of common stock.
PCB Bancorp director and 10% owner Sang Young Lee reported open-market purchases of PCB common stock through a family trust. On 2026-02-27, the trust bought a total of 3,027 shares in four transactions at prices around $22.35–$22.45 per share, modestly increasing Lee’s indirect ownership stake.
PCB Bancorp director and 10% owner Sang Young Lee reported insider purchases of common stock. On February 23, 2026, a family trust associated with Lee bought 5,000 shares in open-market transactions at prices between $22.45 and $22.50 per share, bringing its holdings to 1,587,842 shares.