---
schema_version: "secwatch.filing_event.v1"
accession: "0001423869-21-000040"
form_type: "8-K"
ticker: "PCB"
cik: "0001423869"
company_name: "PCB BANCORP"
filed_at: "2021-10-28T23:59:59+00:00"
generated_at: "2026-06-28T16:43:07.777108+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# PCB Bancorp reports record Q3 net income of $11.0M, EPS $0.73, declares $0.12 dividend

## Summary
- Net income $11.0M ($0.73 diluted EPS) vs. $3.4M ($0.22) YoY; net interest margin expanded to 3.93% from 3.43%.
- Net interest income $20.2M (+20% YoY); gain on SBA loan sales $4.3M, up from $0.8M YoY.
- Provision reversal for loan losses of $1.1M; adjusted allowance to loans ratio 1.48% (excluding PPP loans).
- Quarterly cash dividend of $0.12 per share declared Oct 28, payable Nov 19 to holders of record Nov 12.
- Disclosed a ransomware incident on Aug 30 impacting customer data; remediation and notifications ongoing.

## SEC filing metadata
- accession: 0001423869-21-000040
- form_type: 8-K
- ticker: PCB
- cik: 0001423869
- company_name: PCB BANCORP
- filed_at: 2021-10-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1423869/000142386921000040/0001423869-21-000040-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1423869/000142386921000040/pcb-20211028.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001423869-21-000040
- JSON: https://secwatch.observer/filing/0001423869-21-000040.json
- Plain text: https://secwatch.observer/filing/0001423869-21-000040.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.