PCB BANCORP

For the period ended Dec 31, 2025. Filed Mar 16, 2026.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Mar 16, 2026

PCB$30.39+0.1%Stored close · as of Nov 10, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Consolidated Balance Sheets as of December 31, 202 and

	December 31,
	2025	2024
Assets
Cash and due from banks	$25,319	$27,100
Interest-bearing deposits in other financial institutions	181,823	171,692
Total cash and cash equivalents	207,142	198,792
Securities available-for-sale, at fair value (amortized cost of $167,053 and $159,742, respectively, and allowance for credit losses of $0 and $0, respectively, at December 31, 2025 and 2024)	160,009	146,349
Loans held-for-sale	12,077	6,292
Loans held-for-investment, net of deferred loan costs (fees)	2,820,400	2,629,387
Allowance for credit losses on loans	(33,381)	(30,628)
Net loans held-for-investment	2,787,019	2,598,759
Premises and equipment, net	8,194	8,280
Federal Home Loan Bank and other restricted stock, at cost	14,978	14,042
Bank-owned life insurance	32,796	31,766
Deferred tax assets, net	9,210	7,249
Servicing assets	5,627	5,837
Operating lease assets	17,158	17,254
Accrued interest receivable	10,669	10,466
Other assets	16,892	18,885
Total assets	$3,281,771	$3,063,971
Liabilities and Shareholders’ Equity
Deposits:
Noninterest-bearing demand	$555,645	$547,853
Savings, NOW and money market accounts	676,075	466,887
Time deposits of $250,000 or less	855,059	935,927
Time deposits of more than $250,000	708,633	665,124
Total deposits	2,795,412	2,615,791
Other short-term borrowings	—	15,000
Federal Home Loan Bank advances	34,000	—
Operating lease liabilities	18,996	18,671
Accrued interest payable and other liabilities	43,337	50,695
Total liabilities	2,891,745	2,700,157
Commitments and contingent liabilities
Preferred stock, 10,000,000 shares authorized, no par value:
Series C, senior non-cumulative perpetual, $1,000 per share liquidation preference, 69,141 and 69,141 shares issued and outstanding at December 31, 2025 and 2024, respectively	69,141	69,141
Common stock, 60,000,000 shares authorized, no par value; issued and outstanding 14,230,428 and 14,380,651 shares, respectively, and included 90,850 and 119,100 shares of unvested restricted stock, respectively, at December 31, 2025 and 2024	139,256	143,195
Retained earnings	186,485	160,797
Accumulated other comprehensive loss, net	(4,856)	(9,319)
Total shareholders’ equity	390,026	363,814
Total liabilities and shareholders’ equity	$3,281,771	$3,063,971

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.