{"schema_version":"secwatch.filing_event.v1","accession":"0001423869-26-000022","form_type":"8-K","ticker":"PCB","cik":"0001423869","company_name":"PCB BANCORP","filed_at":"2026-07-23T20:15:07+00:00","discovered_at":"2026-07-23T20:16:00.328686+00:00","generated_at":"2026-07-23T20:16:28.893107+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"PCB Bancorp Q2 net income $10.4M ($0.73 EPS), loans up 2% QoQ, declares $0.22 dividend","bullets":["Q2 2026 net income available to common shareholders $10.4M ($0.73 diluted EPS), up 16% YoY from $9.0M ($0.62).","Net interest income $27.5M (+5.8% YoY); net interest margin 3.33% (flat YoY).","Provision for credit losses $926K vs $1.8M in Q2 2025; ACL ratio 1.18%.","Loans held-for-investment $2.93B (+2.0% QoQ, +4.9% YoY); total deposits $2.92B (+1.2% QoQ).","Declared quarterly cash dividend of $0.22 per share, payable Aug 14, 2026 to holders of record Aug 7."],"urls":{"canonical":"https://secwatch.observer/filing/0001423869-26-000022","json":"https://secwatch.observer/filing/0001423869-26-000022.json","markdown":"https://secwatch.observer/filing/0001423869-26-000022.md","text":"https://secwatch.observer/filing/0001423869-26-000022.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1423869/000142386926000022/0001423869-26-000022-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1423869/000142386926000022/pcb-20260722.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-23T20:16:28.893107+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"}