---
schema_version: "secwatch.filing_event.v1"
accession: "0001423869-26-000003"
form_type: "8-K"
ticker: "PCB"
cik: "0001423869"
company_name: "PCB BANCORP"
filed_at: "2026-01-29T23:59:59+00:00"
generated_at: "2026-05-16T06:22:36.093594+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# PCB Bancorp Q4 net income $9.1M ($0.64 EPS), full-year EPS $2.58; dividend raised to $0.22

## Summary
- Q4 2025 net income available to common shareholders $9.1M, diluted EPS $0.64, up from $6.7M/$0.46 a year ago.
- Full-year 2025 net income $37.2M, EPS $2.58, a 48.8% increase from $25.0M/$1.74 in 2024.
- Net interest margin held at 3.28% in Q4; loans held-for-investment grew 2.5% QoQ to $2.82B.
- Deposits declined $118M QoQ to $2.80B, driven by a $100M reduction in brokered deposits.
- Board declared $0.22 quarterly dividend (10% increase from $0.20), payable Feb 20 to record Feb 13.

## SEC filing metadata
- accession: 0001423869-26-000003
- form_type: 8-K
- ticker: PCB
- cik: 0001423869
- company_name: PCB BANCORP
- filed_at: 2026-01-29T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1423869/000142386926000003/0001423869-26-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1423869/000142386926000003/pcb-20260128.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001423869-26-000003
- JSON: https://secwatch.observer/filing/0001423869-26-000003.json
- Plain text: https://secwatch.observer/filing/0001423869-26-000003.txt

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