{"schema_version":"secwatch.filing_event.v1","accession":"0001423869-23-000040","form_type":"8-K","ticker":"PCB","cik":"0001423869","company_name":"PCB BANCORP","filed_at":"2023-07-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:33.882679+00:00","generated_at":"2026-06-13T00:15:38.761525+00:00","sec_items":["2.02","5.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"PCB Bancorp Q2 net income $7.5M ($0.52/sh) down 27% QoQ; net interest margin compresses to 3.55%","bullets":["Net income $7.5M ($0.52 diluted EPS) vs $10.3M ($0.70) prior Q and $9.1M ($0.60) year ago.","Net interest margin 3.55% down from 3.79% prior Q and 4.01% year ago; net interest income $21.7M.","Provision for credit losses $197K vs reversal of $2.8M prior Q; ACL on loans ratio 1.17%.","Quarterly cash dividend of $0.18 per share declared, payable Aug 18 to record Aug 11.","Total assets $2.56B; deposits $2.19B; established $268.9M additional borrowing capacity via Fed program."],"urls":{"canonical":"https://secwatch.observer/filing/0001423869-23-000040","json":"https://secwatch.observer/filing/0001423869-23-000040.json","markdown":"https://secwatch.observer/filing/0001423869-23-000040.md","text":"https://secwatch.observer/filing/0001423869-23-000040.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1423869/000142386923000040/0001423869-23-000040-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1423869/000142386923000040/pcb-20230727.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T00:15:38.761525+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"715e5eaf531516c5a9fe0f3476b200a44ec3cf51","claim":"PCB BANCORP reported the second quarter of 2023 results: net income $7.5 million, EPS $0.52 per diluted common share.","evidence_excerpt":"PCB Bancorp Reports Earnings of $7.5 million for Q2 2023 Los Angeles, California - July 27, 2023 - PCB Bancorp (the “Company”) (NASDAQ: PCB), the holding company of PCB Bank (the “Bank”), today reported net income of $7.5 million, or $0.52 per diluted common share, for the second quarter of 2023,","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1423869/000142386923000040/0001423869-23-000040-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the second quarter of 2023"},{"label":"Net income","value":"$7.5 million"},{"label":"EPS","value":"$0.52 per diluted common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}