{"schema_version":"secwatch.filing_event.v1","accession":"0001423869-25-000040","form_type":"8-K","ticker":"PCB","cik":"0001423869","company_name":"PCB BANCORP","filed_at":"2025-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.956777+00:00","generated_at":"2026-05-18T02:11:49.392107+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"PCB Bancorp Q2 net income $9.0M ($0.62 EPS), up 46% YoY; NIM expands to 3.33%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001423869-25-000040","json":"https://secwatch.observer/filing/0001423869-25-000040.json","markdown":"https://secwatch.observer/filing/0001423869-25-000040.md","text":"https://secwatch.observer/filing/0001423869-25-000040.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1423869/000142386925000040/0001423869-25-000040-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1423869/000142386925000040/pcb-20250723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T02:11:49.392107+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"}