---
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"
generated_at: "2026-05-17T02:29:10.744697+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# PCB Bancorp Q3 2025 record net income $11.3M, EPS $0.78; declares $0.20 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1423869/000142386925000047/0001423869-25-000047-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1423869/000142386925000047/pcb-20251022.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001423869-25-000047
- JSON: https://secwatch.observer/filing/0001423869-25-000047.json
- Plain text: https://secwatch.observer/filing/0001423869-25-000047.txt

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