---
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"
generated_at: "2026-05-27T05:14:08.241694+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# PCB Bancorp Q4 EPS $0.46, net income $6.7M; loan growth 6.6% seq., dividend $0.20

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001423869-25-000003
- JSON: https://secwatch.observer/filing/0001423869-25-000003.json
- Plain text: https://secwatch.observer/filing/0001423869-25-000003.txt

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