secwatch.observer — SEC 8-K summary
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Issuer:     PCB BANCORP (PCB)
CIK:        0001423869
Form:       8-K
Filed at:   2025-10-23T23:59:59+00:00
Accession:  0001423869-25-000047
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 Q3 2025 record net income $11.3M, EPS $0.78; declares $0.20 dividend
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1423869/000142386925000047/0001423869-25-000047-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1423869/000142386925000047/pcb-20251022.htm
  HTML page:      https://secwatch.observer/filing/0001423869-25-000047

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