---
schema_version: "secwatch.filing_event.v1"
accession: "0001423869-23-000050"
form_type: "8-K"
ticker: "PCB"
cik: "0001423869"
company_name: "PCB BANCORP"
filed_at: "2023-10-25T23:59:59+00:00"
generated_at: "2026-06-09T10:16:03.898253+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# PCB Bancorp Q3 net income $7.0M ($0.49/diluted); net interest margin improves to 3.57%

## Summary
- Net income of $7.0M, down 6.1% from $7.5M in Q2 2023; EPS $0.49 vs $0.52 prior quarter.
- Net interest income $22.4M, up 3.4% QoQ; net interest margin 3.57% vs 3.55%.
- Loans held-for-investment grew 2.1% to $2.17B; deposits flat at $2.19B.
- Provision for credit losses increased to $751k from $197k in Q2 2023.
- Declared $0.18/common share quarterly dividend, payable Nov 17, 2023 to holders of record Nov 9, 2023.

## SEC filing metadata
- accession: 0001423869-23-000050
- form_type: 8-K
- ticker: PCB
- cik: 0001423869
- company_name: PCB BANCORP
- filed_at: 2023-10-25T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1423869/000142386923000050/0001423869-23-000050-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1423869/000142386923000050/pcb-20231025.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001423869-23-000050
- JSON: https://secwatch.observer/filing/0001423869-23-000050.json
- Plain text: https://secwatch.observer/filing/0001423869-23-000050.txt

## Key facts
- Earnings Releases
  PCB BANCORP reported the third quarter of 2023 results: net income $7.0 million, EPS $0.49 per diluted common share.
  - Period: the third quarter of 2023
  - Net income: $7.0 million
  - EPS: $0.49 per diluted common share
  - Result: reported results
  source text: PCB Bancorp Reports Earnings of $7.0 million for Q3 2023 Los Angeles, California - October 25, 2023 - PCB Bancorp (the “Company”) (NASDAQ: PCB), the holding company of PCB Bank (the “Bank”), today reported net income of $7.0 million, or $0.49 per diluted common share, for the third quarter of 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/1423869/000142386923000050/0001423869-23-000050-index.htm

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