PCB Bancorp reported fourth-quarter earnings of $0.64 per diluted share, surpassing the Zacks Consensus Estimate of $0.61. This represents a 39% increase from the $0.46 posted in the year-ago quarter. Net income available to common shareholders rose to $9.1 million from $6.7 million a year earlier. The company maintained a net interest margin of 3.28%, flat with the prior quarter and up 0.10 percentage point from 3.18% in Q4 2024, driven by controlled funding costs despite an elevated rate environment.

For the full year 2025, PCB Bancorp delivered net income of $37.2 million, or $2.58 per diluted share, versus $25.0 million, or $1.74 per share, in 2024—an increase of 48.8% in EPS. Net interest income climbed 17.2% to $103.9 million, while net interest margin expanded to 3.29% from 3.17%. Total assets grew 7.1% to $3.28 billion, and loans held-for-investment increased 7.3% year-over-year to $2.82 billion, reflecting sustained commercial lending demand.

Provision for credit losses was $1.0 million in Q4 2025 compared with a $0.4 million reversal in Q3 and $2.0 million in Q4 2024. The allowance for credit losses on loans stood at 1.18% of loans held-for-investment, slightly down from 1.20% at September 30. Total deposits were $2.80 billion, up 6.9% from the prior year but down 4.1% sequentially due to a strategic reduction in brokered balances. The company’s Tier 1 leverage ratio improved to 11.89% from 11.57% at September 30, and tangible common equity per share rose to $22.55 from $22.09.

On January 28, 2026, PCB Bancorp’s board approved a 10% increase in the quarterly cash dividend to $0.22 per common share from $0.20, payable February 20, 2026 to shareholders of record as of February 13. CEO Henry Kim highlighted the company’s strong capital position and consistent profitability as the basis for the higher payout, underscoring management’s commitment to returning capital to shareholders.