secwatch.observer — SEC 8-K summary
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Issuer:     PCB BANCORP (PCB)
CIK:        0001423869
Form:       8-K
Filed at:   2025-04-24T23:59:59+00:00
Accession:  0001423869-25-000021
Event type: earnings
Sentiment:  positive
Materiality: 0.72
Item codes: 2.02, 7.01, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1423869/000142386925000021/0001423869-25-000021-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1423869/000142386925000021/pcb-20250423.htm
  HTML page:      https://secwatch.observer/filing/0001423869-25-000021

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