{"schema_version":"secwatch.filing_event.v1","accession":"0001423869-25-000047","form_type":"8-K","ticker":"PCB","cik":"0001423869","company_name":"PCB BANCORP","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.377923+00:00","generated_at":"2026-05-17T02:29:10.744697+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 Q3 2025 record net income $11.3M, EPS $0.78; declares $0.20 dividend","bullets":["Record net income available to common shareholders of $11.3M ($0.78 diluted EPS), up 26% QoQ and 52% YoY.","Net interest margin 3.28% vs 3.33% prior Q; provision for credit losses reversed $381K vs $1.8M provision prior Q.","Total deposits $2.91B, up 3.2% from $2.82B at June 30, 2025.","Quarterly cash dividend of $0.20 per share declared, payable Nov 14, 2025 to holders of record Nov 7, 2025.","Noninterest expense well-controlled at $14.9M; efficiency ratio improved to 48.92% from 50.63% prior Q."],"urls":{"canonical":"https://secwatch.observer/filing/0001423869-25-000047","json":"https://secwatch.observer/filing/0001423869-25-000047.json","markdown":"https://secwatch.observer/filing/0001423869-25-000047.md","text":"https://secwatch.observer/filing/0001423869-25-000047.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1423869/000142386925000047/0001423869-25-000047-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1423869/000142386925000047/pcb-20251022.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:29:10.744697+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"}