PCB Bancorp reported net income available to common shareholders of $9.1 million for the quarter ended December 31, 2025, translating to diluted earnings per share of $0.64. This result topped the Zacks Consensus Estimate of $0.61 and represented a 39% increase from $0.46 per share in the year-ago period. Net interest income held steady at $26.6 million, up 14.9% year-over-year, while net interest margin was maintained at 3.28%, matching the prior quarter. Provision for credit losses was $1.0 million, compared with a reversal of $0.38 million in Q3 2025 and $2.0 million booked in Q4 2024. Noninterest income of $2.5 million declined 16.4% from last year, driven by lower gains on loan sales, but operating efficiency improved with a 1.1% rise in noninterest expense to $15.0 million and an efficiency ratio of 51.5%.

For full-year 2025, PCB Bancorp generated net income of $37.2 million, or $2.58 per diluted share, up 48.8% from $1.74 per share in 2024. Net interest income grew 17.2% to $103.9 million, with net interest margin rising to 3.29% from 3.17%. Total loans held-for-investment expanded 7.3% year-over-year to $2.82 billion, reflecting strong demand in the bank’s core Southern California market. Total deposits increased 6.9% to $2.80 billion despite a seasonal reduction of $118 million in the fourth quarter, driven by a $100 million decline in brokered deposits. The allowance for credit losses ratio was a healthy 1.18% of loans at year-end, and the bank maintained a tier 1 leverage ratio of 11.89%, underscoring continued balance sheet strength.

On January 28, 2026, PCB Bancorp’s Board approved a 10% increase in the quarterly cash dividend, raising it to $0.22 per common share from $0.20. The dividend will be paid on or about February 20, 2026, to shareholders of record as of the close of business on February 13. Henry Kim, President and Chief Executive Officer, emphasized the board’s commitment to delivering consistent shareholder returns and noted that this marks the fourth consecutive quarterly increase, underscoring confidence in the company’s earnings outlook and capital position.