PCB Bancorp Q2 net income $9.0M ($0.62 EPS), up 46% YoY; NIM expands to 3.33%

PCB BANCORP

2025-Q2 EPS reported $1.15 revenue$1,388,000

Net income $9.0M ($0.62 diluted EPS) vs $7.7M ($0.53) prior Q and $6.1M ($0.43) year ago; net income up 44% YoY.
Net interest margin 3.33%, up from 3.28% Q1 and 3.16% Q2 2024; net interest income $26.0M (+19.6% YoY).
Loans held-for-investment $2.80B (+2.5% QoQ, +14.1% YoY); deposits $2.82B (+4.0% QoQ, +17.3% YoY).
Provision for credit losses $1.8M vs $259k year ago; ACL ratio to loans 1.20% at June 30, 2025.
Quarterly cash dividend $0.20/share declared (payable Aug 15, record Aug 8); buyback program extended to July 31, 2026 with 428,473 shares remaining.

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