---
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"
generated_at: "2026-05-23T06:55:31.970433+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.72
calibrated_materiality_score: 0.72
confidence: "high"
source: SEC EDGAR
---

# PCB Bancorp Q1 net income $7.7M ($0.53 EPS), up 65% YoY; NIM 3.28%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.72
- calibrated_materiality_score: 0.72
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001423869-25-000021
- JSON: https://secwatch.observer/filing/0001423869-25-000021.json
- Plain text: https://secwatch.observer/filing/0001423869-25-000021.txt

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