{"schema_version":"secwatch.filing_event.v1","accession":"0001423869-25-000021","form_type":"8-K","ticker":"PCB","cik":"0001423869","company_name":"PCB BANCORP","filed_at":"2025-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.253709+00:00","generated_at":"2026-05-23T06:55:31.970433+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.72,"calibrated_materiality_score":0.72,"confidence":"high","headline":"PCB Bancorp Q1 net income $7.7M ($0.53 EPS), up 65% YoY; NIM 3.28%","bullets":["Net income available to common shareholders $7.7M ($0.53 diluted EPS) vs $4.7M ($0.33) in Q1 2024, up 65% and 61%.","Net interest margin expanded 18 bps YoY to 3.28%; net interest income $24.3M vs $21.0M.","Loans held-for-investment grew 13.7% YoY to $2.73B; deposits up 13.0% to $2.71B.","Board declared $0.20 per share quarterly dividend, payable May 16 to holders of record May 9.","Provision for credit losses $1.6M, down from $2.0M prior quarter; ACL/loans ratio 1.17%."],"urls":{"canonical":"https://secwatch.observer/filing/0001423869-25-000021","json":"https://secwatch.observer/filing/0001423869-25-000021.json","markdown":"https://secwatch.observer/filing/0001423869-25-000021.md","text":"https://secwatch.observer/filing/0001423869-25-000021.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1423869/000142386925000021/0001423869-25-000021-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1423869/000142386925000021/pcb-20250423.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T06:55:31.970433+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"}