---
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"
generated_at: "2026-07-23T20:16:28.893107+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# PCB Bancorp Q2 net income $10.4M ($0.73 EPS), loans up 2% QoQ, declares $0.22 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001423869-26-000022
- JSON: https://secwatch.observer/filing/0001423869-26-000022.json
- Plain text: https://secwatch.observer/filing/0001423869-26-000022.txt

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