{"schema_version":"secwatch.filing_event.v1","accession":"0001423869-25-000003","form_type":"8-K","ticker":"PCB","cik":"0001423869","company_name":"PCB BANCORP","filed_at":"2025-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.595556+00:00","generated_at":"2026-05-27T05:14:08.241694+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"PCB Bancorp Q4 EPS $0.46, net income $6.7M; loan growth 6.6% seq., dividend $0.20","bullets":["Q4 net income $6.7M ($0.46 EPS) vs Q3 $7.5M ($0.52) and Q4 2023 $5.9M ($0.41).","FY 2024 net income $25.0M ($1.74 EPS) down 18.7% from FY 2023 $30.7M ($2.12).","Net interest margin 3.18% (down 7 bps QoQ, 22 bps YoY); provision for credit losses $2.0M in Q4.","Loans held-for-investment $2.63B (+6.6% seq., +13.2% YoY); deposits $2.62B (+6.3% seq., +11.2% YoY).","Declared $0.20 quarterly dividend, payable Feb 21, 2025 to holders of record Feb 14, 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001423869-25-000003","json":"https://secwatch.observer/filing/0001423869-25-000003.json","markdown":"https://secwatch.observer/filing/0001423869-25-000003.md","text":"https://secwatch.observer/filing/0001423869-25-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1423869/000142386925000003/0001423869-25-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1423869/000142386925000003/pcb-20250130.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T05:14:08.241694+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}