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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.Executive summary
Achieved record net income of $11.3 million ($0.78 per diluted share) in Q3 2025, up 26% sequentially and 52% year-over-year, driven by higher net interest income and gains on SBA loan sales.
Net interest income rose to $27.0 million, up 3.8% from Q2 and 18.7% from Q3 2024, with a net interest margin of 3.28%.
Total assets reached $3.36 billion, up 1.8% from Q2 and 16.4% year-over-year; total deposits grew 3.2% sequentially and 18.5% year-over-year.
Financial highlights
Net income available to common shareholders was $11.3 million, with EPS of $0.78, up from $0.62 in Q2 and $0.52 in Q3 2024.
Provision for credit losses was a reversal of $381 thousand, compared to a $1.8 million provision in Q2.
Gain on sale of loans was $1.6 million, up 10% sequentially and 116% year-over-year.
Noninterest income increased 3.5% sequentially and 30% year-over-year; noninterest expense was stable at $14.9 million.
Efficiency ratio improved to 48.9% from 50.6% in Q2 and 57.6% in Q3 2024.
Outlook and guidance
Management remains cautiously optimistic for Q4 2025 and 2026, citing stable loan pipeline and strong capital levels despite macroeconomic uncertainties.
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