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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.
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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