---
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"
generated_at: "2026-06-06T18:13:16.336003+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# PCB Bancorp Q4 net income down 32% YoY to $5.9M; NIM compresses to 3.40%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001423869-24-000002
- JSON: https://secwatch.observer/filing/0001423869-24-000002.json
- Plain text: https://secwatch.observer/filing/0001423869-24-000002.txt

## Key facts
- Earnings Releases
  PCB BANCORP reported 2023 results: net income $30.7 million, EPS $2.12 per diluted common share.
  - Period: 2023
  - Net income: $30.7 million
  - EPS: $2.12 per diluted common share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1423869/000142386924000002/0001423869-24-000002-index.htm
- Earnings Releases
  PCB BANCORP reported the fourth quarter of 2023 results: net income $5.9 million, EPS $0.41 per diluted common share.
  - Period: the fourth quarter of 2023
  - Net income: $5.9 million
  - EPS: $0.41 per diluted common share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1423869/000142386924000002/0001423869-24-000002-index.htm

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