PCB Bancorp reported net income available to common shareholders of USD 9.1 million, or USD 0.64 per diluted share, for the fourth quarter (Q4) of 2025. For the full year (FY) 2025, net income available to common shareholders was USD 37.2 million, or USD 2.58 per diluted share. During Q4 2025, PCB Bancorp maintained a net interest margin of 3.28%. Total loan growth for the quarter was USD 70 million, representing an annualized increase of 10%. Deposits declined by USD 118 million for the quarter, primarily due to a reduction of USD 100 million in brokered deposits and a decrease of USD 18 million in retail deposits. As of December 31, 2025, PCB Bancorp’s common tier 1 capital ratio stood at 11.46 percent, total capital ratio at 15.13 percent, tier 1 capital ratio at 13.89 percent, and tier 1 capital to average assets ratio at 11.89 percent.

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