{"schema_version":"secwatch.filing_event.v1","accession":"0001423869-24-000027","form_type":"8-K","ticker":"PCB","cik":"0001423869","company_name":"PCB BANCORP","filed_at":"2024-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:18.354408+00:00","generated_at":"2026-06-03T07:47:20.800568+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 Q1 net income $4.7M ($0.33), down 54.5% YoY; NIM compresses to 3.10%","bullets":["Net income $4.7M, EPS $0.33 vs $0.70 YoY; revenue (NII) $21.0M down 6.3% YoY.","Net interest margin 3.10% vs 3.79% YoY; cost of total funding rose to 3.76% from 2.33%.","Non-recurring expenses: $1.0M core conversion charge and $815K SBA recovery demand.","Loans held-for-investment $2.40B (+14.6% YoY); deposits $2.40B (+12.2% YoY).","Declares $0.18/share dividend payable May 17; ECIP preferred dividend to start Q2 2024 at 2% annual rate."],"urls":{"canonical":"https://secwatch.observer/filing/0001423869-24-000027","json":"https://secwatch.observer/filing/0001423869-24-000027.json","markdown":"https://secwatch.observer/filing/0001423869-24-000027.md","text":"https://secwatch.observer/filing/0001423869-24-000027.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1423869/000142386924000027/0001423869-24-000027-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1423869/000142386924000027/pcb-20240425.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T07:47:20.800568+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":"b4c5df1b2f76f11312813f801fc0135898cf8cc0","claim":"PCB BANCORP reported first quarter of 2024 results: net income $4.7 million, EPS $0.33 per diluted common share.","evidence_excerpt":"PCB Bancorp Reports Earnings of $4.7 million for Q1 2024","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1423869/000142386924000027/0001423869-24-000027-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter of 2024"},{"label":"Net income","value":"$4.7 million"},{"label":"EPS","value":"$0.33 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"}