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PCB Bancorp (PCB) investor relations material

PCB Bancorp Q3 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q3 2025 earnings summary23 Oct, 2025

Executive summary

  • Achieved record net income of $11.3 million ($0.78 per diluted share) in Q3 2025, up 26% sequentially and 52% year-over-year, driven by higher net interest income and gains on SBA loan sales.

  • Net interest income rose to $27.0 million, up 3.8% from Q2 and 18.7% from Q3 2024, with a net interest margin of 3.28%.

  • Total assets reached $3.36 billion, up 1.8% from Q2 and 16.4% year-over-year; total deposits grew 3.2% sequentially and 18.5% year-over-year.

Financial highlights

  • Net income available to common shareholders was $11.3 million, with EPS of $0.78, up from $0.62 in Q2 and $0.52 in Q3 2024.

  • Provision for credit losses was a reversal of $381 thousand, compared to a $1.8 million provision in Q2.

  • Gain on sale of loans was $1.6 million, up 10% sequentially and 116% year-over-year.

  • Noninterest income increased 3.5% sequentially and 30% year-over-year; noninterest expense was stable at $14.9 million.

  • Efficiency ratio improved to 48.9% from 50.6% in Q2 and 57.6% in Q3 2024.

Outlook and guidance

  • Management remains cautiously optimistic for Q4 2025 and 2026, citing stable loan pipeline and strong capital levels despite macroeconomic uncertainties.

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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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