---
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"
generated_at: "2026-05-18T02:11:49.392107+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001423869-25-000040
- JSON: https://secwatch.observer/filing/0001423869-25-000040.json
- Plain text: https://secwatch.observer/filing/0001423869-25-000040.txt

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