Here are the 10-K annual reports from PCB Bancorp (PCB) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow PCB and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full PCB filings page.
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.