secwatch.observer — SEC 8-K summary
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Issuer:     PCB BANCORP (PCB)
CIK:        0001423869
Form:       8-K
Filed at:   2025-07-24T23:59:59+00:00
Accession:  0001423869-25-000040
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1423869/000142386925000040/0001423869-25-000040-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1423869/000142386925000040/pcb-20250723.htm
  HTML page:      https://secwatch.observer/filing/0001423869-25-000040

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer