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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 $9.1 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.
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 202624 Apr, 2026
PCB Bancorp
Next PCB Bancorp earnings date
Q1 202624 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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