secwatch.observer — SEC 8-K summary
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Issuer:     PCB BANCORP (PCB)
CIK:        0001423869
Form:       8-K
Filed at:   2024-01-25T23:59:59+00:00
Accession:  0001423869-24-000002
Event type: earnings
Sentiment:  negative
Materiality: 0.75
Item codes: 2.02, 7.01, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1423869/000142386924000002/0001423869-24-000002-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1423869/000142386924000002/pcb-20240125.htm
  HTML page:      https://secwatch.observer/filing/0001423869-24-000002

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