PCB Bancorp (PCB) investor relations material

Executive summary

• Net income available to common shareholders was $9.1 million ($0.64 per diluted share) for 4Q25, with ROAA of 1.11% and ROATCE of 11.40%; full-year net income was $37.2 million ($2.58 per diluted share), up 48.8% from 2024.

• Loans held-for-investment increased 2.5% sequentially to $2.82 billion, and 7.3% year-over-year; deposit balances decreased 4.1% sequentially but increased 6.9% year-over-year.

• Quarterly loan production rose to $158.8 million, up from $136.7 million in 3Q25.

• Net interest margin held steady at 3.28% in 4Q25, despite market rate pressures and deposit competition.

Financial highlights

• Net interest income for 4Q25 was $26.6 million, down 1.3% sequentially but up 14.9% year-over-year; full-year net interest income was $103.9 million, up 17.2%.

• Noninterest income for 4Q25 was $2.5 million, down 25.5% sequentially; full-year noninterest income was $11.8 million, up 6.7%.

• Noninterest expense for 4Q25 was $15.0 million, up 1.1% sequentially; full-year noninterest expense was $59.2 million, down 1.4%.

• Provision for credit losses was $1.0 million in 4Q25, compared to a reversal of $0.4 million in 3Q25; full-year provision was $4.0 million, up 18.4%.

• Efficiency ratio was 51.51% for 4Q25 and 51.2% for the year.

Outlook and guidance

• Forward-looking statements highlight risks from economic conditions, interest rates, real estate markets, regulatory changes, and geopolitical tensions; management expects continued strong loan demand into 2026.