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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.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income available to common shareholders rose 51.7% year-over-year to a record $11.3 million ($0.78 per share) for Q3 2025, driven by higher net interest income and gains on loan sales.
Total assets increased to $3.36 billion, up 9.8% since December 2024 and 16.4% year-over-year; deposits grew 11.4% since December and 18.5% year-over-year.
Net interest margin improved to 3.28% from 3.25% year-over-year, reflecting growth in interest-earning assets and lower funding costs.
Financial highlights
Net interest income for Q3 2025 was $27.0 million, up 18.7% year-over-year and 3.8% sequentially; net interest margin was 3.28%.
Provision for credit losses was a reversal of $381 thousand for Q3 2025, compared to a $50 thousand provision in Q3 2024 and a $1.8 million provision in Q2.
Noninterest income rose 30.3% year-over-year to $3.4 million, mainly from a 115.6% increase in gain on sale of loans.
Noninterest expense increased 1.8% year-over-year to $14.9 million, with higher salaries and regulatory assessments; expense was stable sequentially.
Efficiency ratio improved to 48.9% from 57.6% year-over-year and 50.6% in Q2.
Outlook and guidance
Management expects continued loan and deposit growth, with a focus on maintaining strong asset quality and capital ratios, and remains cautiously optimistic for Q4 2025 and 2026 despite macroeconomic uncertainties.
Economic forecasts used in credit loss modeling anticipate modest GDP growth and a slight increase in unemployment.
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Next PCB Bancorp earnings date
Q4 202527 Jan, 2026
Next PCB Bancorp earnings date
Q4 202527 Jan, 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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