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PCB Bancorp
PCB Bancorp (PCB) investor relations material
PCB Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Net income available to common shareholders was $9.1M ($0.64/diluted share) for Q4 2025, down 19.2% sequentially but up 36.9% year-over-year; full-year net income was $37.2M ($2.58/diluted share), up 48.8% from 2024.
Loan growth remained strong, with loans held-for-investment rising 2.5% sequentially and 7.3% year-over-year; deposit balances decreased 4.1% sequentially but increased 6.9% year-over-year.
Net interest margin held steady at 3.28% in Q4 2025, despite market rate pressures and deposit competition.
Financial highlights
Net interest income for Q4 2025 was $26.6M, down 1.3% sequentially but up 14.9% year-over-year; full-year net interest income was $103.9M, up 17.2%.
Provision for credit losses was $1.0M in Q4 2025, compared to a reversal of $381K in Q3 and $2.0M in Q4 2024; full-year provision was $4.0M, up 18.4%.
Noninterest income for Q4 2025 was $2.5M, down 25.5% sequentially; full-year noninterest income was $11.8M, up 6.7%.
Noninterest expense for Q4 2025 was $15.0M, up 1.1% sequentially; full-year noninterest expense was $59.2M, down 1.4%.
Return on average assets (ROAA) was 1.11% for Q4 2025 and 1.15% for the year; return on average equity (ROAE) was 9.45% for Q4 and 9.93% for the year.
Outlook and guidance
Management expects continued strong loan demand into 2026, despite ongoing geopolitical and domestic uncertainties.
How will deposit strategy impact NIM in 2026
What caused the sharp drop in gain on loan sales?
Future loan yield trends given portfolio mix shift
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Next PCB Bancorp earnings date
Q1 202622 Apr, 2026
PCB Bancorp
Next PCB Bancorp earnings date
Q1 202622 Apr, 2026
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Frequently asked questions
PCB Bancorp is a bank holding company. It operates primarily through its subsidiary, PCB Bank, which provides a range of commercial and consumer banking services. Initially founded as Pacific City Bank in 2003, the bank focuses on serving small to medium-sized businesses and individuals, particularly within the Korean-American community in the Los Angeles area. PCB Bancorp's services include deposit accounts, loans, and digital banking tools. The company is headquartered in Los Angeles, California, and its shares are listed on the NASDAQ.
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