secwatch.observer — SEC 8-K summary
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Issuer:     PCB BANCORP (PCB)
CIK:        0001423869
Form:       8-K
Filed at:   2025-01-30T23:59:59+00:00
Accession:  0001423869-25-000003
Event type: earnings
Sentiment:  neutral
Materiality: 0.65
Item codes: 2.02, 7.01, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1423869/000142386925000003/0001423869-25-000003-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1423869/000142386925000003/pcb-20250130.htm
  HTML page:      https://secwatch.observer/filing/0001423869-25-000003

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer