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PCB Bancorp (PCB) investor relations material

PCB Bancorp Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary24 Jul, 2025

Executive summary

  • Net income available to common shareholders rose 46.3% year-over-year and 17% sequentially to $9.0 million for Q2 2025, driven by higher net interest income and loan growth.

  • Total assets reached $3.31 billion, up 7.9% since year-end, 3.8% from Q1 2025, and 15.9% from Q2 2024.

  • Loans held-for-investment increased 6.3% since year-end, 2.5% sequentially, and 14.1% year-over-year to $2.80 billion.

  • Deposits grew 7.9% since year-end, 4.0% sequentially, and 17.3% year-over-year to $2.82 billion.

  • Opened a new full-service branch in Suwanee, Georgia as part of expansion strategy.

Financial highlights

  • Net interest income for Q2 2025 was $26.0 million, up 7.0% sequentially and 19.6% year-over-year; net interest margin improved to 3.33%.

  • Noninterest income rose 32.7% year-over-year and 27.8% sequentially, mainly from higher gains on loan sales.

  • Noninterest expense was $14.8 million, down 2.3% year-over-year but up 2.5% sequentially.

  • Provision for credit losses increased to $1.8 million, up 11.8% sequentially and 590% year-over-year.

  • Efficiency ratio improved to 50.63% from 62.65% year-over-year and 53.88% in Q1 2025.

Outlook and guidance

  • Management expects continued loan and deposit growth, disciplined expense management, and focus on credit quality and capital adequacy.

  • Economic forecasts used in credit loss modeling reflect a more cautious outlook, with higher unemployment and lower GDP growth expected.

  • The company is working to remediate a material weakness in internal controls and expects ongoing expenses related to this effort.

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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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