PCB Bancorp reported fourth‐quarter 2025 earnings of $0.64 per diluted common share, surpassing the consensus estimate of $0.61 and up from $0.46 in the year‐ago period. Net income available to common shareholders totaled $9.1 million, compared with $6.7 million a year earlier. Net interest income held steady at $26.6 million despite a slight reduction from $27.0 million in the prior quarter, while net interest margin remained unchanged at 3.28%. The provision for credit losses was $1.0 million, compared with a reversal of $0.38 million in Q3 2025 and $2.0 million in Q4 2024, reflecting conservative provisioning amid stable asset quality.

For the full year 2025, PCB Bancorp delivered net income available to common shareholders of $37.2 million, or $2.58 per diluted share, a 48.8% increase from $25.0 million, or $1.74 per share, in 2024. Net interest income rose by 17.2% to $103.9 million, with the annual net interest margin up modestly to 3.29% from 3.17%. Loans held-for-investment grew 7.3% year-over-year to $2.82 billion, driving annual loan growth of approximately $191 million, while total deposits increased 6.9% to $2.80 billion. The allowance for credit losses ratio remained well-covered at 1.18% of loans, compared with 1.16% in December 2024.

On January 28, 2026, the Board of Directors approved a 10% increase in the quarterly cash dividend to $0.22 per common share, up from $0.20. The dividend will be paid on or about February 20, 2026, to shareholders of record as of February 13, 2026. This marks the third consecutive increase in the quarterly payout and underscores the company’s commitment to returning capital to shareholders while supporting organic growth in its core Southern California markets.