{"schema_version":"secwatch.filing_event.v1","accession":"0001423869-24-000002","form_type":"8-K","ticker":"PCB","cik":"0001423869","company_name":"PCB BANCORP","filed_at":"2024-01-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:24.146089+00:00","generated_at":"2026-06-06T18:13:16.336003+00:00","sec_items":["2.02","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 Q4 net income down 32% YoY to $5.9M; NIM compresses to 3.40%","bullets":["Diluted EPS $0.41 vs $0.49 prior quarter and $0.58 year ago; full-year EPS $2.12 vs $2.31.","Net interest margin 3.40% (Q4) vs 3.57% prior quarter and 4.15% year ago; net interest income $21.9M.","Provision for credit losses $1.7M (Q4) vs $751K prior quarter and $1.1M year ago.","Loans held-for-investment $2.32B, up 7.2% QoQ; deposits $2.35B, up 7.3% QoQ.","Quarterly dividend of $0.18/share declared, payable Feb 16, 2024 to holders of record Feb 9."],"urls":{"canonical":"https://secwatch.observer/filing/0001423869-24-000002","json":"https://secwatch.observer/filing/0001423869-24-000002.json","markdown":"https://secwatch.observer/filing/0001423869-24-000002.md","text":"https://secwatch.observer/filing/0001423869-24-000002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1423869/000142386924000002/0001423869-24-000002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1423869/000142386924000002/pcb-20240125.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T18:13:16.336003+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":"1abd4e8bcd5609421304b5d20427d0fd7050a6e4","claim":"PCB BANCORP reported 2023 results: net income $30.7 million, EPS $2.12 per diluted common share.","evidence_excerpt":"For 2023, net income was $30.7 million, or $2.12 per diluted common share, compared with $35.0 million and $2.31 per diluted common share, for the previous year.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1423869/000142386924000002/0001423869-24-000002-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"2023"},{"label":"Net income","value":"$30.7 million"},{"label":"EPS","value":"$2.12 per diluted common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"d6dea28e7f1d67588952d4199777d3246574c654","claim":"PCB BANCORP reported the fourth quarter of 2023 results: net income $5.9 million, EPS $0.41 per diluted common share.","evidence_excerpt":"PCB Bancorp (the “Company”) (NASDAQ: PCB), the holding company of PCB Bank (the “Bank”), today reported net income of $5.9 million, or $0.41 per diluted common share, for the fourth quarter of 2023, compared with $7.0 million, or $0.49 per diluted common share, for the previous quarter and $8.7 million, or $0.58 per diluted common share, for the year-ago quarter.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1423869/000142386924000002/0001423869-24-000002-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter of 2023"},{"label":"Net income","value":"$5.9 million"},{"label":"EPS","value":"$0.41 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"}