Form 8-K
8-K — PCB BANCORP
Accession: 0001423869-26-000015
Filed: 2026-04-23
Period: 2026-04-22
CIK: 0001423869
SIC: 6022 (STATE COMMERCIAL BANKS)
Item: Results of Operations and Financial Condition
Item: Regulation FD Disclosure
Item: Other Events
Item: Financial Statements and Exhibits
Documents
8-K — pcb-20260422.htm (Primary)
EX-99.1 (pcbpr20260423earnings.htm)
EX-99.2 (pcbinvestordeck1q26.htm)
EX-99.3 (pcbpr20260423dividend.htm)
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8-K
8-K (Primary)
Filename: pcb-20260422.htm · Sequence: 1
pcb-20260422
0001423869False00014238692026-04-222026-04-22
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 8-K
CURRENT REPORT
Pursuant to Section 13 OR 15(d)
of The Securities Exchange Act of 1934
Date of Report (Date of earliest event Reported): April 22, 2026
PCB BANCORP
(Exact name of registrant as specified in its charter)
California
(State or other jurisdiction of
incorporation)
001-38621
(Commission
File Number)
20-8856755
(I.R.S. Employer
Identification No.)
3701 Wilshire Boulevard, Suite 900
Los Angeles, California
(Address of principal offices)
90010
(Zip Code)
Registrant’s telephone number, including area code: (213) 210-2000
Not Applicable
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class Trading Symbol(s) Name of each exchange on which registered
Common stock, no par value PCB Nasdaq Global Select Market
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Condition.
On April 23, 2026, PCB Bancorp, a California corporation (the “Company”), issued a press release concerning its unaudited results for the first quarter of 2026. A copy of the press release is attached as Exhibit 99.1 to this Current Report and is incorporated herein by reference.
The information in this report set forth under this Item 2.02 and in Exhibit 99.1 shall not be treated as “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, except as expressly stated by specific reference in such filing.
Item 7.01 Regulation FD Disclosure.
Attached as Exhibit 99.2, and incorporated herein by reference, is a copy of an investor presentation that may be utilized by management at future discussions with investors. The information in this report set forth under this Item 7.01 and in Exhibit 99.2 shall not be treated as “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, except expressly stated by specific reference in such filing.
Item 8.01 Other Events.
Common Stock Dividend
On April 23, 2026, the Company issued a press release announcing that on April 22, 2026, its Board of Directors declared a quarterly cash dividend of $0.22 per common share. The dividend will be paid on or about May 15, 2026, to shareholders of record as of the close of business on May 8, 2026. A copy of the press release is attached as Exhibit 99.3 to this Current Report and is incorporated herein by reference.
Item 9.01 Financial Statements and Exhibits.
(d) Exhibits.
99.1 Press release of PCB Bancorp, issued April 23, 2026, concerning the results of operations and financial condition for the first quarter of 2026
99.2 Investor presentation of PCB Bancorp concerning the unaudited results for the first quarter of 2026
99.3 Press release of PCB Bancorp, issued April 23, 2026, announcing the declaration of a quarterly cash dividend
104 Cover Page Interactive Data File (embedded within the Inline XBRL document)
2
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
PCB Bancorp
Date: April 23, 2026 /s/ Timothy Chang
Timothy Chang
Executive Vice President and Chief Financial Officer
3
EX-99.1
EX-99.1
Filename: pcbpr20260423earnings.htm · Sequence: 2
Document
Exhibit 99.1
PCB Bancorp Reports Earnings for Q1 2026
Los Angeles, California, - April 23, 2026 - PCB Bancorp (the “Company”) (NASDAQ: PCB), the holding company of PCB Bank (the “Bank”), today reported net income available to common shareholders of $10.6 million, or $0.74 per diluted common share, for the first quarter of 2026, compared with $9.1 million, or $0.64 per diluted common share, for the previous quarter and $7.7 million, or $0.53 per diluted common share, for the year-ago quarter.
Q1 2026 Highlights
•Net income available to common shareholders totaled $10.6 million, or $0.74 per diluted common share, for the current quarter;
•Provision for credit losses was $467 thousand for the current quarter compared with $1.0 million for the previous quarter and $1.6 million for the year-ago quarter;
•Allowance for Credit Losses (“ACL”) on loans to loans held-for-investment ratio was 1.18% at March 31, 2026 compared with 1.18% at December 31, 2025, and 1.17% at March 31, 2025;
•Net interest income was $26.8 million for the current quarter compared with $26.6 million for the previous quarter and $24.3 million for the year-ago quarter. Net interest margin was 3.36% for the current quarter compared with 3.28% for the previous quarter and 3.28% for the year-ago quarter;
•Gain on sale of loans was $1.4 million for the current quarter compared with $648 thousand for the previous quarter and $887 thousand for the year-ago quarter;
•Total assets were $3.40 billion at March 31, 2026, an increase of $114.4 million, or 3.5%, from $3.28 billion at December 31, 2025 and an increase of $212.4 million, or 6.7%, from $3.18 billion at March 31, 2025;
•Loans held-for-investment were $2.87 billion at March 31, 2026, an increase of $53.2 million, or 1.9%, from $2.82 billion at December 31, 2025 and an increase of $145.9 million, or 5.4%, from $2.73 billion at March 31, 2025; and
•Total deposits were $2.89 billion at March 31, 2026, an increase of $92.6 million, or 3.3%, from $2.80 billion at December 31, 2025 and an increase of $173.6 million, or 6.4%, from $2.71 billion at March 31, 2025.
Henry Kim, President and CEO, commented, “We delivered another solid results for the first quarter driven by strong loan and deposit growth, expanding net interest margin, solid credit quality, successful expense management, and continued quality earnings growth. Our deposit balance increased $93 million for the quarter, or 13.2% annualized, loan balance increased $45 million, or 6.3% annualized, net interest margin increased eight basis to 3.36% compared with link quarter, nonperforming assets to total assets ratio remained solid at 0.27%, posted an efficiency ratio of 49.1%, and our diluted earnings per share increased 16% to $0.74 compared with $0.64 in the fourth quarter of 2025.” Mr. Kim further stated,
“As we move forward, we remain committed to disciplined growth, preserving the strength of our credit portfolio, and maintaining operational efficiency to deliver long-term sustainable value for our shareholders.”
1
Financial Highlights (Unaudited)
($ in thousands, except per share data)
Three Months Ended
3/31/2026 12/31/2025
% Change
3/31/2025
% Change
Net income $ 10,653 $ 9,235 15.4 % $ 7,735 37.7 %
Net income available to common shareholders $ 10,567 $ 9,148 15.5 % $ 7,695 37.3 %
Diluted earnings per common share (“EPS”) $ 0.74 $ 0.64 15.6 % $ 0.53 39.6 %
Net interest income $ 26,810 $ 26,627 0.7 % $ 24,283 10.4 %
Provision for credit losses 467 1,024 (54.4) % 1,598 (70.8) %
Noninterest income 3,374 2,545 32.6 % 2,580 30.8 %
Noninterest expense 14,814 15,026 (1.4) % 14,474 2.3 %
Return on average assets (“ROAA”) (1)
1.30 % 1.11 % 1.01 %
Return on average shareholders’ equity (“ROAE”) (1)
10.95 % 9.45 % 8.53 %
Return on average tangible common equity (“ROATCE”) (1),(2)
13.17 % 11.40 % 10.45 %
Net interest margin (1)
3.36 % 3.28 % 3.28 %
Efficiency ratio (3)
49.08 % 51.51 % 53.88 %
($ in thousands, except per share data) 3/31/2026 12/31/2025 % Change 3/31/2025 % Change
Total assets
$ 3,396,193 $ 3,281,771 3.5 % $ 3,183,758 6.7 %
Net loans held-for-investment
2,839,608 2,787,019 1.9 % 2,695,668 5.3 %
Total deposits
2,887,980 2,795,412 3.3 % 2,714,399 6.4 %
Book value per common share (4)
$ 27.88 $ 27.41 $ 25.78
TCE per common share (2)
$ 23.02 $ 22.55 $ 20.97
Tier 1 leverage ratio (consolidated)
12.05 % 11.89 % 12.14 %
Total shareholders’ equity to total assets 11.68 % 11.88 % 11.65 %
TCE to total assets (2), (5)
9.65 % 9.78 % 9.48 %
(1)Ratios for the three months ended periods are presented on an annualized basis.
(2)Non-GAAP. See “Non-GAAP Financial Measures” for a reconciliation of this measure to its most comparable GAAP measure.
(3)Calculated by dividing noninterest expense by the sum of net interest income and noninterest income.
(4)Calculated by dividing total shareholders’ equity by the number of outstanding common shares.
(5)The Company had no intangible asset component for the presented periods.
2
Results of Operations (Unaudited)
Net Interest Income and Net Interest Margin
The following table presents the components of net interest income for the periods indicated:
Three Months Ended
($ in thousands) 3/31/2026 12/31/2025
% Change
3/31/2025 % Change
Interest income/expense on
Loans
$ 44,484 $ 45,648 (2.5) % $ 43,026 3.4 %
Investment securities
1,574 1,516 3.8 % 1,408 11.8 %
Other interest-earning assets
2,773 2,701 2.7 % 2,458 12.8 %
Total interest-earning assets
48,831 49,865 (2.1) % 46,892 4.1 %
Interest-bearing deposits
21,478 23,197 (7.4) % 22,564 (4.8) %
Borrowings
543 41 1,224.4 % 45 1,106.7 %
Total interest-bearing liabilities
22,021 23,238 (5.2) % 22,609 (2.6) %
Net interest income
$ 26,810 $ 26,627 0.7 % $ 24,283 10.4 %
Average balance of
Loans
$ 2,840,688 $ 2,810,897 1.1 % $ 2,649,037 7.2 %
Investment securities
160,798 156,819 2.5 % 146,540 9.7 %
Other interest-earning assets
236,161 250,215 (5.6) % 209,375 12.8 %
Total interest-earning assets
$ 3,237,647 $ 3,217,931 0.6 % $ 3,004,952 7.7 %
Interest-bearing deposits
$ 2,279,104 $ 2,311,423 (1.4) % $ 2,140,201 6.5 %
Borrowings
56,000 4,011 1,296.2 % 3,933 1,323.8 %
Total interest-bearing liabilities
$ 2,335,104 $ 2,315,434 0.8 % $ 2,144,134 8.9 %
Total funding (1)
$ 2,869,802 $ 2,853,402 0.6 % $ 2,660,764 7.9 %
Annualized average yield/cost of
Loans
6.35 % 6.44 % 6.59 %
Investment securities
3.97 % 3.84 % 3.90 %
Other interest-earning assets
4.76 % 4.28 % 4.76 %
Total interest-earning assets 6.12 % 6.15 % 6.33 %
Interest-bearing deposits
3.82 % 3.98 % 4.28 %
Borrowings
3.93 % 4.06 % 4.64 %
Total interest-bearing liabilities 3.82 % 3.98 % 4.28 %
Net interest margin 3.36 % 3.28 % 3.28 %
Cost of total funding (1)
3.11 % 3.23 % 3.45 %
Supplementary information
Net accretion of discount on loans $ 517 $ 746 (30.7) % $ 872 (40.7) %
Net amortization of deferred loan fees $ 353 $ 255 38.4 % $ 266 32.7 %
(1)Total funding is the sum of interest-bearing liabilities and noninterest-bearing deposits. The cost of total funding is calculated as annualized total interest expense divided by average total funding.
3
The increases in net interest margin for the current quarter compared with the previous and year ago quarters were primarily due to a decrease in cost of fund and increases in investment securities and other-interest earning assets yields, partially offset by a decrease in loan yield. During the current quarter, the Company received a special dividend on Federal Home Loan Bank (“FHLB”) stock of $424 thousand, which contributed additional 5 basis point increase to the net interest margin.
Loans. The decreases in average yield for the current quarter compared with the previous and year-ago quarters were primarily due to decreases in market rates and net accretion of discount on loans, partially offset by an increase in net amortization of deferred loan fees.
The following table presents a composition of total loans by interest rate type accompanied by the weighted-average contractual rates as of the dates indicated:
3/31/2026 12/31/2025 3/31/2025
% to Total Loans Weighted-Average Contractual Rate % to Total Loans Weighted-Average Contractual Rate % to Total Loans Weighted-Average Contractual Rate
Fixed rate loans
17.7 % 5.73 % 17.5 % 5.60 % 17.8 % 5.35 %
Hybrid rate loans
39.4 % 5.59 % 39.7 % 5.57 % 38.0 % 5.36 %
Variable rate loans
42.9 % 6.80 % 42.8 % 6.93 % 44.2 % 7.52 %
Investment Securities. The increases in average yield for the current quarter compared with the previous and year-ago quarters were primarily due to higher yields on newly purchased investment securities.
Other Interest-Earning Assets. The increase in average yield for the current quarter compared with the previous quarter was primarily due to an increase in dividends received on FHLB stock, partially offset by a decrease in average interest rate on cash held at the Federal Reserve Bank.
Interest-Bearing Deposits. The decreases in average cost for the current quarter compared with the previous and year-ago
quarters were primarily due to decreases in market rates.
Provision for credit losses
The following table presents a composition of provision for credit losses for the periods indicated:
Three Months Ended
($ in thousands) 3/31/2026 12/31/2025
% Change
3/31/2025
% Change
Provision for credit losses on loans $ 618 $ 791 (21.9) % $ 1,591 (61.2) %
Provision (reversal) for credit losses on off-balance sheet credit exposure (151) 233 NA 7 NA
Total provision for credit losses $ 467 $ 1,024 (54.4) % $ 1,598 (70.8) %
The provision for credit losses on loans for the current quarter was primarily due to an increase in loans held-for-investment.
4
Noninterest Income
The following table presents the components of noninterest income for the periods indicated:
Three Months Ended
($ in thousands) 3/31/2026 12/31/2025
% Change
3/31/2025
% Change
Gain on sale of loans
$ 1,409 $ 648 117.4 % $ 887 58.9 %
Service charges and fees on deposits
430 416 3.4 % 372 15.6 %
Loan servicing income
801 741 8.1 % 725 10.5 %
Bank-owned life insurance (“BOLI”) income 274 271 1.1 % 247 10.9 %
Other income
460 469 (1.9) % 349 31.8 %
Total noninterest income
$ 3,374 $ 2,545 32.6 % $ 2,580 30.8 %
Gain on Sale of Loans. The following table presents information on gain on sale of loans for the periods indicated:
Three Months Ended
($ in thousands) 3/31/2026 12/31/2025 % Change 3/31/2025 % Change
Gain on sale of SBA loans
Sold loan balance
$ 21,830 $ 13,201 65.4 % $ 16,605 31.5 %
Premium received
1,581 769 105.6 % 1,208 30.9 %
Gain recognized
1,409 648 117.4 % 887 58.9 %
Loan Servicing Income. The Company services SBA loans and certain residential property loans sold to the secondary market. The following table presents information on loan servicing income for the periods indicated:
Three Months Ended
($ in thousands) 3/31/2026 12/31/2025
% Change
3/31/2025
% Change
Loan servicing income
Servicing income received
$ 1,218 $ 1,254 (2.9) % $ 1,273 (4.3) %
Servicing assets amortization
(417) (513) (18.7) % (548) (23.9) %
Loan servicing income $ 801 $ 741 8.1 % $ 725 10.5 %
Underlying loans at end of period
$ 506,645 $ 502,408 0.8 % $ 510,927 (0.8) %
5
Noninterest Expense
The following table presents the components of noninterest expense for the periods indicated:
Three Months Ended
($ in thousands) 3/31/2026 12/31/2025 % Change 3/31/2025 % Change
Salaries and employee benefits
$ 9,720 $ 9,339 4.1 % $ 9,075 7.1 %
Occupancy and equipment
2,277 2,202 3.4 % 2,289 (0.5) %
Professional fees
534 834 (36.0) % 628 (15.0) %
Marketing and business promotion
456 607 (24.9) % 243 87.7 %
Data processing
337 351 (4.0) % 333 1.2 %
Director fees and expenses
223 224 (0.4) % 226 (1.3) %
Regulatory assessments
361 389 (7.2) % 344 4.9 %
Other expense 906 1,080 (16.1) % 1,336 (32.2) %
Total noninterest expense
$ 14,814 $ 15,026 (1.4) % $ 14,474 2.3 %
Salaries and Employee Benefits. The increase for the current quarter compared with the previous quarter was primarily due to increases in accruals for bonus and vacation, and group insurance, and a decrease in direct loan origination cost, which offsets and defers the recognition of salaries and benefits expense, partially offset by a decrease in salaries and other employee benefits. The increase for the current quarter compared with the year-ago quarter was primarily due to increases in salaries and group insurance, and a decrease in loan origination cost. The number of full-time equivalent employees was 264, 264 and 257 as of March 31, 2026, December 31, 2025 and March 31, 2025, respectively.
Professional Fees. The decrease for the current quarter compared with the previous quarter was due to higher internal audit fees for the previous quarter as a part of the year-end process.
Marketing and Business Promotion. The decrease for the current quarter compared with the previous quarter was primarily due to yearend promotions during the previous quarter. The increase for the current quarter compared with the year-ago quarter was primarily due to an increase in advertising.
Other Expense. The decrease for the current quarter compared with the previous quarter was primarily due to decreases in expenses related to legal, armed guard and office supplies. The decrease for the current quarter compared with the year-ago quarter was primarily due to an impairment on operating lease assets of $146 thousand for a sublease contract and recognition of contingent liabilities for legal settlements of $183 thousand during the year-ago quarter.
6
Balance Sheet (Unaudited)
Total assets were $3.40 billion at March 31, 2026, an increase of $114.4 million, or 3.5%, from $3.28 billion at December 31, 2025 and an increase of $212.4 million, or 6.7%, from $3.18 billion at March 31, 2025. The increase for the current quarter was primarily due to increases in cash and cash equivalents and loans held-for-investment, partially offset by a decrease in loans held-for-sale.
Loans
The following table presents a composition of total loans (includes both loans held-for-sale and loans held-for-investment) as of the dates indicated:
($ in thousands) 3/31/2026 12/31/2025 % Change 3/31/2025 % Change
Commercial real estate:
Commercial property $ 1,091,823 $ 1,071,396 1.9 % $ 965,302 13.1 %
Business property 644,307 638,063 1.0 % 618,771 4.1 %
Multifamily 198,346 175,579 13.0 % 207,096 (4.2) %
Construction 18,972 18,561 2.2 % 23,978 (20.9) %
Total commercial real estate 1,953,448 1,903,599 2.6 % 1,815,147 7.6 %
Commercial and industrial 520,894 508,662 2.4 % 494,697 5.3 %
Consumer:
Residential mortgage 392,680 401,337 (2.2) % 406,774 (3.5) %
Other consumer 6,529 6,802 (4.0) % 10,992 (40.6) %
Total consumer 399,209 408,139 (2.2) % 417,766 (4.4) %
Loans held-for-investment 2,873,551 2,820,400 1.9 % 2,727,610 5.4 %
Loans held-for-sale 3,604 12,077 (70.2) % 12,101 (70.2) %
Total loans $ 2,877,155 $ 2,832,477 1.6 % $ 2,739,711 5.0 %
SBA loans included in:
Loans held-for-investment $ 145,101 $ 146,549 (1.0) % $ 147,622 (1.7) %
Loans held-for-sale $ 2,513 $ 12,077 (79.2) % $ 12,101 (79.2) %
ACL on loans $ 33,943 $ 33,381 1.7 % $ 31,942 6.3 %
ACL on loans to loans held-for-investment 1.18 % 1.18 % 1.17 %
The increase in loans held-for-investment for the current quarter was primarily due to new funding of term loans of $112.9 million and net increase of lines of credit of $20.1 million, partially offset by pay-downs and pay-offs of term loans of $78.6 million, a loan transferred to loans held-for-sale of $1.1 million and charge-offs of $76 thousand.
The decrease in loans held-for-sale for the current quarter was primarily due to sales of $21.8 million and pay-downs of $149 thousand, partially offset by new funding of $12.4 million and a loan transferred from loans held-for-investment of $1.1 million.
The following table presents a composition of off-balance sheet credit exposure as of the dates indicated:
($ in thousands) 3/31/2026 12/31/2025 % Change 3/31/2025 % Change
Commercial property $ 9,816 $ 11,344 (13.5) % $ 7,810 25.7 %
Business property 8,852 7,569 17.0 % 11,068 (20.0) %
Construction 4,825 5,229 (7.7) % 12,312 (60.8) %
Commercial and industrial 331,343 342,593 (3.3) % 351,802 (5.8) %
Other consumer 1,440 1,347 6.9 % 1,671 (13.8) %
Total commitments to extend credit 356,276 368,082 (3.2) % 384,663 (7.4) %
Letters of credit 7,330 7,330 — % 6,795 7.9 %
Total off-balance sheet credit exposure $ 363,606 $ 375,412 (3.1) % $ 391,458 (7.1) %
7
Credit Quality
The following table presents a summary of non-performing loans and assets, and classified assets as of the dates indicated:
($ in thousands) 3/31/2026 12/31/2025 % Change 3/31/2025 % Change
Nonaccrual loans
Commercial real estate:
Commercial property $ 1,356 $ 1,403 (3.3) % $ 1,538 (11.8) %
Business property 1,355 938 44.5 % 1,485 (8.8) %
Total commercial real estate 2,711 2,341 15.8 % 3,023 (10.3) %
Commercial and industrial 83 161 (48.4) % 66 25.8 %
Consumer:
Residential mortgage 5,387 5,403 (0.3) % 3,153 70.9 %
Other consumer 4 5 (20.0) % 6 (33.3) %
Total consumer 5,391 5,408 (0.3) % 3,159 70.7 %
Total nonaccrual loans held-for-investment
8,185 7,910 3.5 % 6,248 31.0 %
Loans past due 90 days or more and still accruing
— — — % — — %
Non-performing loans (“NPLs”) 8,185 7,910 3.5 % 6,248 31.0 %
NPLs held-for-sale 1,091 — NA — NA
Total NPLs 9,276 7,910 17.3 % 6,248 48.5 %
Other real estate owned (“OREO”)
— — — % — — %
Non-performing assets (“NPAs”)
$ 9,276 $ 7,910 17.3 % $ 6,248 48.5 %
Loans past due and still accruing
Past due 30 to 59 days
$ 1,352 $ 943 43.4 % $ 5,236 (74.2) %
Past due 60 to 89 days
19 12 58.3 % 101 (81.2) %
Past due 90 days or more
— — — % — — %
Total loans past due and still accruing
$ 1,371 $ 955 43.6 % $ 5,337 (74.3) %
Special mention loans $ 6,395 $ 6,435 (0.6) % $ 5,010 27.6 %
Classified assets
Classified loans held-for-investment $ 9,450 $ 9,159 3.2 % $ 8,280 14.1 %
Classified loans held-for-sale 1,091 — NA — NA
OREO
— — — % — — %
Classified assets
$ 10,541 $ 9,159 15.1 % $ 8,280 27.3 %
NPLs to loans held-for-investment 0.28 % 0.28 % 0.23 %
NPAs to total assets
0.27 % 0.24 % 0.20 %
Classified assets to total assets
0.31 % 0.28 % 0.26 %
Allowance for Credit Losses
The following table presents activity in ACL for the periods indicated:
Three Months Ended
($ in thousands) 3/31/2026 12/31/2025 % Change 3/31/2025 % Change
ACL on loans
Balance at beginning of period $ 33,381 $ 32,960 1.3 % $ 30,628 9.0 %
Charge-offs (76) (381) (80.1) % (353) (78.5) %
Recoveries 20 11 81.8 % 76 (73.7) %
Provision for credit losses on loans 618 791 (21.9) % 1,591 (61.2) %
Balance at end of period $ 33,943 $ 33,381 1.7 % $ 31,942 6.3 %
ACL on off-balance sheet credit exposure
Balance at beginning of period $ 1,543 $ 1,310 17.8 % $ 1,190 29.7 %
Provision (reversal) for credit losses on off-balance sheet credit exposure (151) 233 NA 7 NA
Balance at end of period $ 1,392 $ 1,543 (9.8) % $ 1,197 16.3 %
8
Investment Securities
Total investment securities were $170.5 million at March 31, 2026, an increase of $10.5 million, or 6.5%, from $160.0 million at December 31, 2025 and an increase of $22.3 million, or 15.0%, from $148.2 million at March 31, 2025. The increase for the current quarter was primarily due to purchases of $18.7 million, partially offset by principal pay-downs of $6.9 million, a fair value decrease of $1.3 million and net premium amortization of $24 thousand.
Deposits
The following table presents the Company’s deposit mix as of the dates indicated:
3/31/2026 12/31/2025 3/31/2025
($ in thousands) Amount % to Total Amount % to Total Amount % to Total
Noninterest-bearing demand deposits
$ 570,393 19.8 % $ 555,645 19.9 % $ 564,407 20.8 %
Interest-bearing deposits
Savings
5,005 0.2 % 6,077 0.2 % 5,185 0.2 %
NOW
13,927 0.5 % 13,928 0.5 % 15,219 0.6 %
Retail money market accounts
662,132 22.8 % 656,069 23.4 % 492,334 18.0 %
Brokered money market accounts
1 0.1 % 1 0.1 % 1 0.1 %
Retail time deposits of
$250,000 or less
575,079 19.9 % 574,519 20.6 % 532,512 19.6 %
More than $250,000
685,074 23.7 % 648,633 23.1 % 652,458 24.0 %
State and brokered time deposits
376,369 13.0 % 340,540 12.2 % 452,283 16.7 %
Total interest-bearing deposits
2,317,587 80.2 % 2,239,767 80.1 % 2,149,992 79.2 %
Total deposits
$ 2,887,980 100.0 % $ 2,795,412 100.0 % $ 2,714,399 100.0 %
Estimated total deposits not covered by deposit insurance $ 1,363,735 47.2 % $ 1,270,159 45.4 % $ 1,125,068 41.4 %
Total retail deposits were $2.51 billion at March 31, 2026, an increase of $56.7 million, or 2.3%, from $2.45 billion at December 31, 2025, and an increase of $249.5 million, or 11.0%, from $2.26 billion at March 31, 2025.
The increase in retail time deposits for the current quarter was primarily due to new accounts of $116.8 million, renewals of matured accounts of $388.8 million and balance increases of $16.5 million, partially offset by matured and closed accounts of $485.0 million.
Liquidity
The following table presents a summary of the Company’s liquidity position as of the dates indicated:
($ in thousands) 3/31/2026 12/31/2025 % Change
Cash and cash equivalents
$ 267,405 $ 207,142 29.1 %
Cash and cash equivalents to total assets
7.9 % 6.3 %
Available borrowing capacity
FHLB advances
$ 770,183 $ 840,607 (8.4) %
Federal Reserve Discount Window
863,567 841,563 2.6 %
Overnight federal funds lines
65,000 65,000 — %
Total
$ 1,698,750 $ 1,747,170 (2.8) %
Total available borrowing capacity to total assets
50.0 % 53.2 %
9
Shareholders’ Equity
Shareholders’ equity was $396.7 million at March 31, 2026, an increase of $6.7 million, or 1.7%, from $390.0 million at December 31, 2025, and an increase of $25.9 million, or 7.0%, from $370.9 million at March 31, 2025. The increase for the current quarter was primarily due to net income and proceeds from stock option exercises of $112 thousand, partially offset by repurchases of common stock of $193 thousand, cash dividends declared on common stock of $3.1 million and preferred stock dividends of $86 thousand, and an increase in accumulated other comprehensive loss of $895 thousand.
Stock Repurchases
During the current quarter, the Company repurchased and retired 9,005 shares of common stock at a weighted-average price of $21.45, totaling $193.0 thousand. In 2025, the Company repurchased and retired 358,251 shares of common stock at a weighted-average price of $19.82, totaling $7.1 million. As of March 31, 2026, the Company is authorized to purchase 210,521 additional shares under its current stock repurchase program, which expires on July 31, 2026.
Series C Preferred Stock
The Company paid dividends of $86 thousand and $86 thousand for the current and year-ago quarters, respectively.
Capital Ratios
The following table presents capital ratios for the Company and the Bank as of the dates indicated:
3/31/2026 12/31/2025 3/31/2025 Well Capitalized Minimum Requirements
PCB Bancorp
Common tier 1 capital (to risk-weighted assets)
11.48 % 11.46 % 11.25 % 6.50 %
Total capital (to risk-weighted assets)
15.09 % 15.13 % 14.98 % 10.00 %
Tier 1 capital (to risk-weighted assets)
13.87 % 13.89 % 13.77 % 8.00 %
Tier 1 capital (to average assets)
12.05 % 11.89 % 12.14 % 5.00 %
PCB Bank
Common tier 1 capital (to risk-weighted assets)
13.46 % 13.49 % 13.42 % 6.50 %
Total capital (to risk-weighted assets)
14.68 % 14.72 % 14.63 % 10.00 %
Tier 1 capital (to risk-weighted assets)
13.46 % 13.49 % 13.42 % 8.00 %
Tier 1 capital (to average assets)
11.70 % 11.55 % 11.82 % 5.00 %
10
About PCB Bancorp
PCB Bancorp is the bank holding company for PCB Bank, a California state chartered bank, offering a full suite of commercial banking services to small to medium-sized businesses, individuals and professionals, primarily in Southern California, and predominantly in Korean-American and other minority communities.
Cautionary Note Regarding Forward-Looking Statements
This press release contains forward-looking statements. These forward-looking statements represent plans, estimates, objectives, goals, guidelines, expectations, intentions, projections and statements of our beliefs concerning future events, business plans, objectives, expected operating results and the assumptions upon which those statements are based. Forward-looking statements include without limitation, any statement that may predict, forecast, indicate or imply future results, performance or achievements, and are typically identified with words such as “may,” “could,” “should,” “will,” “would,” “believe,” “anticipate,” “estimate,” “expect,” “aim,” “intend,” “plan,” or words or phrases of similar meaning. We caution that forward-looking statements are based largely on our expectations and are subject to a number of known and unknown risks and uncertainties that are subject to change based on factors which are, in many instances, beyond our control, including but not limited to the health of the national and local economies including the impact on the Company and its customers resulting from any adverse developments in real estate markets, inflation levels and interest rates; the impacts of the conflicts in the Middle East on the national and global economies and markets; the impact of governmental monetary policy; any material weaknesses in the Company’s internal control over financial reporting that we have identified or may identify; the impacts of sanctions, tariffs and other trade policies of the United States and its global trading partners and tensions related to the same; the Company’s ability to maintain and grow its deposit base; loan demand and continued portfolio performance; the impact of adverse developments at other banks, including bank failures; changes to valuations of the Company’s assets and liabilities including the allowance for credit losses, earning assets, and intangible assets; the ability of the Company to manage liquidity; changes in the availability of liquidity sources including borrowing lines and the ability to pledge or sell certain assets; the Company's ability to attract and retain skilled employees; customers' service expectations; cyber-security risks; the Company's ability to successfully deploy new technology; acquisitions and branch and loan production office expansions; operational risks including the ability to detect and prevent errors and fraud; the effectiveness of the Company’s enterprise risk management framework; litigation costs and outcomes; changes in laws, rules, regulations, or interpretations to which the Company is subject; the effects of severe weather events, pandemics, wildfires and other disasters, other public health crises, acts of war or terrorism, and other external events on our business. These and other important factors are detailed in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025 and other filings the Company makes with the SEC, which are available without charge at the SEC’s website (http://www.sec.gov) and on the investor relations section of the Company’s website at www.mypcbbank.com. Actual results, performance or achievements could differ materially from those contemplated, expressed, or implied by the forward-looking statements. Any forward-looking statements presented herein are made only as of the date of this press release, and the Company undertakes no obligation to update or revise any forward-looking statements to reflect changes in assumptions, the occurrence of unanticipated events, or otherwise, except as required by law.
Contact:
Timothy Chang
Executive Vice President & Chief Financial Officer
213-210-2000
11
PCB Bancorp and Subsidiary
Consolidated Balance Sheets (Unaudited)
($ in thousands, except share and per share data)
3/31/2026 12/31/2025 % Change 3/31/2025 % Change
Assets
Cash and due from banks
$ 24,787 $ 25,319 (2.1) % $ 28,852 (14.1) %
Interest-bearing deposits in other financial institutions 242,618 181,823 33.4 % 185,496 30.8 %
Total cash and cash equivalents
267,405 207,142 29.1 % 214,348 24.8 %
Securities available-for-sale, at fair value
170,477 160,009 6.5 % 148,190 15.0 %
Loans held-for-sale
3,604 12,077 (70.2) % 12,101 (70.2) %
Loans held-for-investment 2,873,551 2,820,400 1.9 % 2,727,610 5.4 %
Allowance for credit losses on loans (33,943) (33,381) 1.7 % (31,942) 6.3 %
Net loans held-for-investment
2,839,608 2,787,019 1.9 % 2,695,668 5.3 %
Premises and equipment, net
7,695 8,194 (6.1) % 8,420 (8.6) %
Federal Home Loan Bank and other bank stock
14,978 14,978 — % 14,042 6.7 %
Bank-owned life insurance 33,070 32,796 0.8 % 32,013 3.3 %
Deferred tax assets, net
9,697 9,210 5.3 % 6,736 44.0 %
Servicing assets
5,691 5,627 1.1 % 5,631 1.1 %
Operating lease assets
16,453 17,158 (4.1) % 17,779 (7.5) %
Accrued interest receivable
10,952 10,669 2.7 % 10,967 (0.1) %
Other assets
16,563 16,892 (1.9) % 17,863 (7.3) %
Total assets
$ 3,396,193 $ 3,281,771 3.5 % $ 3,183,758 6.7 %
Liabilities
Deposits
Noninterest-bearing demand
$ 570,393 $ 555,645 2.7 % $ 564,407 1.1 %
Savings, NOW and money market accounts
681,065 676,075 0.7 % 512,739 32.8 %
Time deposits of $250,000 or less
831,448 855,059 (2.8) % 924,795 (10.1) %
Time deposits of more than $250,000
805,074 708,633 13.6 % 712,458 13.0 %
Total deposits
2,887,980 2,795,412 3.3 % 2,714,399 6.4 %
Federal Home Loan Bank advances
50,000 34,000 47.1 % 30,000 66.7 %
Operating lease liabilities
18,301 18,996 (3.7) % 19,465 (6.0) %
Accrued interest payable and other liabilities
43,194 43,337 (0.3) % 49,030 (11.9) %
Total liabilities
2,999,475 2,891,745 3.7 % 2,812,894 6.6 %
Commitments and contingent liabilities
Shareholders’ equity
Preferred stock 69,141 69,141 — % 69,141 — %
Common stock 139,405 139,256 0.1 % 143,156 (2.6) %
Retained earnings
193,923 186,485 4.0 % 165,611 17.1 %
Accumulated other comprehensive loss, net (5,751) (4,856) 18.4 % (7,044) (18.4) %
Total shareholders’ equity
396,718 390,026 1.7 % 370,864 7.0 %
Total liabilities and shareholders’ equity
$ 3,396,193 $ 3,281,771 3.5 % $ 3,183,758 6.7 %
Outstanding common shares
14,231,423 14,230,428 14,387,176
Book value per common share (1)
$ 27.88 $ 27.41 $ 25.78
TCE per common share (2)
$ 23.02 $ 22.55 $ 20.97
Total loan to total deposit ratio
99.63 % 101.33 % 100.93 %
Noninterest-bearing deposits to total deposits
19.75 % 19.88 % 20.79 %
(1)The ratios are calculated by dividing total shareholders’ equity by the number of outstanding common shares. The Company had no intangible equity components for the presented periods.
(2)Non-GAAP. See “Non-GAAP Financial Measures” for a reconciliation of this measure to its most comparable GAAP measure.
12
PCB Bancorp and Subsidiary
Consolidated Statements of Income (Unaudited)
($ in thousands, except share and per share data)
Three Months Ended
3/31/2026 12/31/2025 % Change 3/31/2025 % Change
Interest and dividend income
Loans, including fees $ 44,484 $ 45,648 (2.5) % $ 43,026 3.4 %
Investment securities 1,574 1,516 3.8 % 1,408 11.8 %
Other interest-earning assets 2,773 2,701 2.7 % 2,458 12.8 %
Total interest income 48,831 49,865 (2.1) % 46,892 4.1 %
Interest expense
Deposits 21,478 23,197 (7.4) % 22,564 (4.8) %
Other borrowings 543 41 1,224.4 % 45 1,106.7 %
Total interest expense
22,021 23,238 (5.2) % 22,609 (2.6) %
Net interest income
26,810 26,627 0.7 % 24,283 10.4 %
Provision for credit losses 467 1,024 (54.4) % 1,598 (70.8) %
Net interest income after provision for credit losses 26,343 25,603 2.9 % 22,685 16.1 %
Noninterest income
Gain on sale of loans
1,409 648 117.4 % 887 58.9 %
Service charges and fees on deposits
430 416 3.4 % 372 15.6 %
Loan servicing income
801 741 8.1 % 725 10.5 %
BOLI income 274 271 1.1 % 247 10.9 %
Other income
460 469 (1.9) % 349 31.8 %
Total noninterest income
3,374 2,545 32.6 % 2,580 30.8 %
Noninterest expense
Salaries and employee benefits
9,720 9,339 4.1 % 9,075 7.1 %
Occupancy and equipment
2,277 2,202 3.4 % 2,289 (0.5) %
Professional fees
534 834 (36.0) % 628 (15.0) %
Marketing and business promotion 456 607 (24.9) % 243 87.7 %
Data processing
337 351 (4.0) % 333 1.2 %
Director fees and expenses
223 224 (0.4) % 226 (1.3) %
Regulatory assessments
361 389 (7.2) % 344 4.9 %
Other expense 906 1,080 (16.1) % 1,336 (32.2) %
Total noninterest expense
14,814 15,026 (1.4) % 14,474 2.3 %
Income before income taxes
14,903 13,122 13.6 % 10,791 38.1 %
Income tax expense
4,250 3,887 9.3 % 3,056 39.1 %
Net income
10,653 9,235 15.4 % 7,735 37.7 %
Preferred stock dividends 86 87 (1.1) % 40 115.0 %
Net income available to common shareholders $ 10,567 $ 9,148 15.5 % $ 7,695 37.3 %
Earnings per common share
Basic
$ 0.74 $ 0.64 $ 0.53
Diluted
$ 0.74 $ 0.64 $ 0.53
Average common shares
Basic
14,142,092 14,133,086 14,272,267
Diluted
14,238,226 14,235,867 14,403,769
Dividend paid per common share
$ 0.22 $ 0.20 $ 0.20
ROAA (1)
1.30 % 1.11 % 1.01 %
ROAE (1)
10.95 % 9.45 % 8.53 %
ROATCE (1), (2)
13.17 % 11.40 % 10.45 %
Efficiency ratio (3)
49.08 % 51.51 % 53.88 %
(1)Ratios are presented on an annualized basis.
(2)Non-GAAP. See “Non-GAAP Financial Measures” for a reconciliation of this measure to its most comparable GAAP measure.
(3)The ratios are calculated by dividing noninterest expense by the sum of net interest income and noninterest income.
13
PCB Bancorp and Subsidiary
Average Balance, Average Yield, and Average Rate (Unaudited)
($ in thousands)
Three Months Ended
3/31/2026 12/31/2025 3/31/2025
Average Balance Interest Income/ Expense
Avg. Yield/Rate(6)
Average Balance Interest Income/ Expense
Avg. Yield/Rate(6)
Average Balance Interest Income/ Expense
Avg. Yield/Rate(6)
Assets
Interest-earning assets
Total loans (1)
$ 2,840,688 $ 44,484 6.35 % $ 2,810,897 $ 45,648 6.44 % $ 2,649,037 $ 43,026 6.59 %
Mortgage-backed securities
131,025 1,305 4.04 % 126,147 1,227 3.86 % 112,825 1,075 3.86 %
Collateralized mortgage obligation
18,443 169 3.72 % 19,064 184 3.83 % 21,028 210 4.05 %
SBA loan pool securities
4,060 31 3.10 % 4,338 36 3.29 % 5,927 54 3.69 %
Municipal bonds (2)
2,502 22 3.57 % 2,480 22 3.52 % 2,424 22 3.68 %
Corporate bonds 4,768 47 4.00 % 4,790 47 3.89 % 4,336 47 4.40 %
Other interest-earning assets
236,161 2,773 4.76 % 250,215 2,701 4.28 % 209,375 2,458 4.76 %
Total interest-earning assets
3,237,647 48,831 6.12 % 3,217,931 49,865 6.15 % 3,004,952 46,892 6.33 %
Noninterest-earning assets
Cash and due from banks 23,505 24,539 24,652
ACL on loans (33,344) (32,873) (30,676)
Other assets
98,520 98,231 98,588
Total noninterest-earning assets
88,681 89,897 92,564
Total assets
$ 3,326,328 $ 3,307,828 $ 3,097,516
Liabilities and Shareholders’ Equity
Interest-bearing liabilities
Deposits
NOW and money market accounts
$ 678,108 5,743 3.43 % $ 683,325 6,073 3.53 % $ 483,927 4,297 3.60 %
Savings
5,360 3 0.23 % 5,329 3 0.22 % 5,612 3 0.22 %
Time deposits
1,595,636 15,732 4.00 % 1,622,769 17,121 4.19 % 1,650,662 18,264 4.49 %
Total interest-bearing deposits
2,279,104 21,478 3.82 % 2,311,423 23,197 3.98 % 2,140,201 22,564 4.28 %
Other borrowings 56,000 543 3.93 % 4,011 41 4.06 % 3,933 45 4.64 %
Total interest-bearing liabilities
2,335,104 22,021 3.82 % 2,315,434 23,238 3.98 % 2,144,134 22,609 4.28 %
Noninterest-bearing liabilities
Noninterest-bearing demand
534,698 537,968 516,630
Other liabilities
61,952 66,886 69,042
Total noninterest-bearing liabilities
596,650 604,854 585,672
Total liabilities
2,931,754 2,920,288 2,729,806
Total shareholders’ equity
394,574 387,540 367,710
Total liabilities and shareholders’ equity
$ 3,326,328 $ 3,307,828 $ 3,097,516
Net interest income
$ 26,810 $ 26,627 $ 24,283
Net interest spread (3)
2.30 % 2.17 % 2.05 %
Net interest margin (4)
3.36 % 3.28 % 3.28 %
Total deposits
$ 2,813,802 $ 21,478 3.10 % $ 2,849,391 $ 23,197 3.23 % $ 2,656,831 $ 22,564 3.44 %
Total funding (5)
$ 2,869,802 $ 22,021 3.11 % $ 2,853,402 $ 23,238 3.23 % $ 2,660,764 $ 22,609 3.45 %
(1)Total loans include both loans held-for-sale and loans held-for-investment.
(2)The yield on municipal bonds has not been computed on a tax-equivalent basis.
(3)Net interest spread is calculated by subtracting average rate on interest-bearing liabilities from average yield on interest-earning assets.
(4)Net interest margin is calculated by dividing annualized net interest income by average interest-earning assets.
(5)Total funding is the sum of interest-bearing liabilities and noninterest-bearing deposits. The cost of total funding is calculated as annualized total interest expense divided by average total funding.
(6)Annualized.
14
PCB Bancorp and Subsidiary
Non-GAAP Financial Measures
Return on average tangible common equity, tangible common equity per common share and tangible common equity to total assets ratios
The Company's TCE is calculated by subtracting preferred stock from shareholders’ equity. The Company had no intangible assets for the presented periods. ROATCE, TCE per common share, and TCE to total assets constitute supplemental financial information determined by methods other than in accordance with Generally Accepted Accounting Principles, or GAAP. These non-GAAP financial measures are used by management in its analysis of the Company's performance. These non-GAAP financial measures should not be viewed as substitutes for results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP financial measures that may be presented by other companies. The following tables provide reconciliations of the non-GAAP financial measures with financial measures defined by GAAP.
($ in thousands)
Three Months Ended
3/31/2026 12/31/2025 3/31/2025
Average total shareholders' equity (a) $ 394,574 $ 387,540 $ 367,710
Less: average preferred stock (b) 69,141 69,141 69,141
Average TCE (c)=(a)-(b) 325,433 318,399 298,569
Net income (d) $ 10,653 $ 9,235 $ 7,735
ROAE (1)
(d)/(a) 10.95 % 9.45 % 8.53 %
Net income available to common shareholders (e) 10,567 9,148 7,695
ROATCE (1)
(e)/(c) 13.17 % 11.40 % 10.45 %
(1) Annualized.
($ in thousands, except per share data) 3/31/2026 12/31/2025 3/31/2025
Total shareholders' equity (a) $ 396,718 $ 390,026 $ 370,864
Less: preferred stock (b) 69,141 69,141 69,141
TCE (c)=(a)-(b) 327,577 320,885 301,723
Outstanding common shares
(d) 14,231,423 14,230,428 14,387,176
Book value per common share (a)/(d) $ 27.88 $ 27.41 $ 25.78
TCE per common share (c)/(d) 23.02 22.55 20.97
Total assets (e) $ 3,396,193 $ 3,281,771 $ 3,183,758
Total shareholders' equity to total assets (a)/(e) 11.68 % 11.88 % 11.65 %
TCE to total assets (c)/(e) 9.65 % 9.78 % 9.48 %
15
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EX-99.2
Filename: pcbinvestordeck1q26.htm · Sequence: 3
pcbinvestordeck1q26
Earnings Results 1Q26 April 23, 2026 PCB BANCORP
2 Forward-Looking Statements & Non-GAAP Cautionary Note Regarding Forward-Looking Statements This presentation contains forward-looking statements. These forward-looking statements represent plans, estimates, objectives, goals, guidelines, expectations, intentions, projections and statements of our beliefs concerning future events, business plans, objectives, expected operating results and the assumptions upon which those statements are based. Forward-looking statements include without limitation any statement that may predict, forecast, indicate or imply future results, performance or achievements, and are typically identified with words such as “may,” “could,” “should,” “will,” “would,” “believe,” “anticipate,” “estimate,” “expect,” “aim,” “intend,” “plan,” or words or phases of similar meaning. We caution that forward-looking statements are based largely on our expectations and are subject to a number of known and unknown risks and uncertainties that are subject to change based on factors which are, in many instances, beyond our control, including but not limited to the health of the national and local economies including the impact on the Company and its customers resulting from any adverse developments in real estate markets, inflation levels and interest rates; the impacts of the conflict in the Middle East on the national and global economies and markets; the impact of governmental monetary policy; the impacts of sanctions, tariffs and other trade policies of the United States and its global trading partners and tensions related to the same; the Company’s ability to maintain and grow its deposit base; loan demand and continued portfolio performance; the impact of adverse developments at other banks, including bank failures, that impact general sentiment regarding the stability and liquidity of banks that could affect our financial performance and our stock price; changes to valuations of the Company’s assets and liabilities including the allowance for credit losses, earning assets, and intangible assets; changes to the availability of liquidity sources including borrowing lines and the ability to pledge or sell certain assets; the Company's ability to attract and retain skilled employees; customers' service expectations; cyber security risks; the Company's ability to successfully deploy new technology; the success of acquisitions and branch expansion; operational risks including the ability to detect and prevent errors and fraud; the effectiveness of the Company’s enterprise risk management framework; litigation costs and outcomes; changes in laws, rules, regulations, or interpretations to which the Company is subject; the effects of severe weather events, pandemics, wildfires and other disasters, other public health crises, acts of war or terrorism, and other external events on our business. These and other important factors are detailed in various securities law filings made periodically by the Company, copies of which are available without charge on the SEC’s website at www.sec.gov and the on the investor relations section of the Company’s website at www.mypcbbank.com. Actual results, performance or achievements could differ materially from those contemplated, expressed, or implied by the forward-looking statements. Any forward-looking statements presented herein are made only as of the date of this presentation, and we do not undertake any obligation to update or revise any forward-looking statements to reflect changes in assumptions, the occurrence of unanticipated events, or otherwise, except as required by law. Non-GAAP Financial Measures This presentation contains non-GAAP financial measures. A non-GAAP financial measure is a numerical measure of historical or future financial performance, financial position or cash flows that excludes amounts or is subject to adjustments that have the effect of excluding amounts that are included in the most directly comparable measure calculated and presented in accordance with Generally Accepted Accounting Principles, or GAAP. Reconciliations of non-GAAP measures to the most directly comparable GAAP measures are provided in the Non-GAAP Measures section of this presentation. References to the “Company,” “we,” or “us” refer to PCB Bancorp and references to the “Bank” refer to the Company’s subsidiary, PCB Bank.
Market Information 04/21/26 Market Cap $338.3 million Stock Price Per Share $23.77 52-Week Range $18.54 - $24.99 Dividend Yield 3.70% Dividend Payout Ratio (2Q25 – 1Q26) 29.29% Outstanding Shares 14,233,723 Stock Information 1Q26 or 03/31/26 Diluted Earnings Per Share (“Diluted EPS”) $0.74 Cash Dividend Per Share $0.22 Book Value (“BV”) Per Share $27.88 Tangible Common Equity (“TCE”) Per Share (1) $23.02 Number of Repurchased Shares (2) 9,005 (1) Not presented in accordance with GAAP. See “Non-GAAP Measures” for reconciliation of this measure to its most comparable GAAP measure. (2) As of 03/31/26, the Company is authorized to purchase an additional 210,521 shares under the current stock repurchase program. PCB Footprint Corporate Profile 3
Historical Performance $1.73 $2.05 $2.32 $2.63 $2.82 $2.87 0.000 0.500 1.000 1.500 2.000 2.500 3.000 2021 2022 2023 2024 2025 Mar-26 Held-For-Investment Loans ($bn) $1.87 $2.05 $2.35 $2.62 $2.80 $2.89 0.000 0.500 1.000 1.500 2.000 2.500 3.000 2021 2022 2023 2024 2025 Mar-26 Deposits ($bn) $40.1 $35.0 $30.7 $25.8 $37.5 $10.7 $52.4 $53.0 $43.1 $39.7 $56.5 $15.4 0.000 10.000 20.000 30.000 40.000 50.000 60.000 2021 2022 2023 2024 2025 1Q26 Net Income/PTPP Income ($mm) Net Income PTPP Income CAGR +8.9% CAGR +9.0% $0.44 $0.60 $0.69 $0.72 $0.80 $0.22 $2.62 $2.31 $2.12 $1.74 $2.58 $0.74 $17.24 $22.94 $24.46 $25.30 $27.41 $27.88 $18.21 $19.62 $20.49 $22.55 $23.02 -$5.00 $0.00 $5.00 $10.00 $15.00 $20.00 $25.00 $0.00 $0.50 $1.00 $1.50 $2.00 $2.50 $3.00 $3.50 $4.00 $4.50 2021 2022 2023 2024 2025 1Q26 Cash Dividend/Diluted EPS & BV/TCE Per Share Cash Dividend Per Share Diluted EPS BV Per Share TCE Per Share (1) At period end. (2) Not presented in accordance with GAAP. See “Non-GAAP Financial Measures” for reconciliations of these measures to their most comparable GAAP measures. (1), (2)(1) (2) 4 Annualized +7.5% Annualized +13.2%
1Q26 Highlights Operating Results • Net income available to common shareholders of $10.6 million, or $0.74 per diluted share • Provision for credit losses of $467 thousand • Return on Average Assets (“ROAA”) of 1.30%, Return on Average Equity (“ROAE”) of 10.95%, Return on Average TCE (“ROATCE”)(2) of 13.17%, net interest margin of 3.36%, and efficiency ratio(1) of 49.08% Loans • Loans held-for-investment (“HFI loans”) increased $53.2 million, or 1.9%, to $2.87 billion from 12/31/25 • Average loan yield was 6.35% compared to 6.44% for 4Q25 • Total loans to deposits ratio was 99.63% • Quarterly loan production was $142.0 million for 1Q26 compared to $158.8 million for 4Q25 Asset Quality • ACL on loans was $33.9 million, or 1.18% to HFI loans • Past due loans were $1.4 million, or 0.05% of HFI loans and non-performing assets (“NPAs”) were $9.3 million, or 0.32% of HFI loans Deposits • Total deposits increased $92.6 million, or 3.3%, to $2.89 billion from 12/31/25 • Core deposits(2) were $1.83 billion, or 63.2% of total deposits • Noninterest-bearing deposits were $570.4 million, or 19.8% of total deposits • Uninsured deposits were $1.36 billion, or 47.2% of total deposits • Cost of average interest-bearing deposits and total deposits were 3.82% and 3.10%, respectively Capital & Liquidity • Declared and paid quarterly cash dividend of $0.22 per share • Book value per share was $27.88 and TCE per share(2) was $23.02 • Maintained available borrowing capacity of $1.70 billion, or 50.0% of total assets (1) Calculated by dividing noninterest expense by the sum of net interest income and noninterest income. (2) Not presented in accordance with GAAP. See “Non-GAAP Financial Measures” for a reconciliation to most comparable GAAP measure. 5
Selected Financials As of or For the Three Months Ended Compared to 12/31/25 Compared to 3/31/25 ($ in Thousands, Except Per Share Data) 3/31/26 12/31/25 3/31/25 Amount Percentage Amount Percentage Income Statement Summary: Interest Income $ 48,831 $ 49,865 $ 46,892 $ (1,034) -2.1% $ 1,939 4.1% Interest Expense 22,021 23,238 22,609 (1,217) -5.2% (588) -2.6% Net Interest Income 26,810 26,627 24,283 183 0.7% 2,527 10.4% Noninterest Income 3,374 2,545 2,580 829 32.6% 794 30.8% Noninterest Expense 14,814 15,026 14,474 (212) -1.4% 340 2.3% Provision for Credit Losses 467 1,024 1,598 (557) -54.4% (1,131) -70.8% Pretax Income 14,903 13,122 10,791 1,781 13.6% 4,112 38.1% Income Tax Expense 4,250 3,887 3,056 363 9.3% 1,194 39.1% Net Income 10,653 9,235 7,735 1,418 15.4% 2,918 37.7% Preferred Stock Dividends 86 87 40 (1) -1.1% 46 115.0% Net Income Available to Common Shareholders 10,567 9,148 7,695 1,419 15.5% 2,872 37.3% Diluted EPS $ 0.74 $ 0.64 $ 0.53 $ 0.10 15.6% $ 0.21 39.6% Selected Balance Sheet Items: HFI loans $ 2,873,551 $ 2,820,400 $ 2,727,610 $ 53,151 1.9% $ 145,941 5.4% HFS loans 3,604 12,077 12,101 (8,473) -70.2% (8,497) -70.2% Total Deposits 2,887,980 2,795,412 2,714,399 92,568 3.3% 173,581 6.4% Total Assets 3,396,193 3,281,771 3,183,758 114,422 3.5% 212,435 6.7% Shareholders’ Equity 396,718 390,026 370,864 6,692 1.7% 25,854 7.0% TCE (1), (2) 327,577 320,885 301,723 6,692 2.1% 25,854 8.6% Key Metrics: BV Per Share $ 27.88 $ 27.41 $ 25.78 $ 0.47 1.7% $ 2.10 8.1% TCE Per Share (1) $ 23.02 $ 22.55 $ 20.97 $ 0.47 2.1% $ 2.05 9.8% ROAA (2) 1.30% 1.11% 1.01% 0.19% 0.29% Return on Average Equity (“ROAE”) (2) 10.95% 9.45% 8.53% 1.50% 2.42% ROATCE (1), (2) 13.17% 11.40% 10.45% 1.77% 2.72% Net Interest Margin (2) 3.36% 3.28% 3.28% 0.08% 0.08% Efficiency Ratio (3) 49.08% 51.51% 53.88% -2.43% -4.80% (1) Not presented in accordance with GAAP. See “Non-GAAP Financial Measures” for reconciliations of these measures to their most comparable GAAP measures. (2) Annualized. (3) Calculated by dividing noninterest expense by the sum of net interest income and noninterest income. 6
$1,631 $1,661 $1,752 $1,815 $1,886 $1,878 $1,904 $1,953 $417 $407 $473 $495 $493 $465 $509 $521$401 $398 $404 $418 $416 $410 $408 $399 $2,449 $2,466 $2,629 $2,728 $2,795 $2,753 $2,820 $2,874 0 500 1,000 1,500 2,000 2,500 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 HFI Loan Trend ($mm) Commercial Real Estate Commercial & Industrial Consumer 7 Loan Overview YoY +5.4% (1) Per federal regulatory definition in the Commercial Real Estate (“CRE”) Concentration Guidance. $1,081 $1,100 $1,175 $1,220 $1,274 $1,264 $1,285 $1,318 281% 282% 297% 304% 313% 306% 308% 310% 0% 50% 100% 150% 200% 250% 300% 300.0 400.0 500.0 600.0 700.0 800.0 900.0 1,000.0 1,100.0 1,200.0 1,300.0 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Commercial Real Estate(1) Loan Trend ($mm) CRE Loans % to the Bank's Total Risk-Based Capital Commercial Property 38% Business Property 22% Multifamily 7% Construction 1% Commercial & Industrial 18% Consumer 14% HFI Loan Composition March 31, 2026 $2.87B 1Q26 Highlights • HFI loans increased $53.2 million, or 1.9%, to $2.87 billion in 1Q26 • CRE loans increased $49.8 million (2.6%), C&I loans increased $12.2 million (2.4%) but consumer loans decreased $8.9 million (2.2%)
8 Loan Production & Rate/Yield Analysis (1) Total commitment basis. (2) Include both HFI and HFS loans. (3) Annualized. $0 $9 $28 $44 $5 $23 $39 $7 $30 $80 $62 $55 $41 $48 $45 $66 $163 $122 $72 $50 $91 $91 $58 $73 $195 $211 $161 $149 $137 $161 $142 8.78% 7.56% 7.23% 7.04% 6.97% 7.36% 6.50% 6.35% -8% -6% -4% -2% 0% 2% 4% 6% 8% 0 50 100 150 200 250 300 350 400 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 New Production(1) by Rate Type ($mm) Fixed Hybrid Variable WA Rate Fixed (WA Rate: 5.73%) 18% Variable (WA Rate: 6.80%) 43% Hybrid (WA Rate: 5.59%) 39% HFI Loans Interest Rate Mix 19% 18% 18% 18% 18% 18% 18% 18% 37% 38% 37% 38% 38% 40% 40% 39% 44% 44% 45% 44% 44% 42% 43% 43% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 HFI Loans Interest Rate Mix Trend Fixed Hybrid Variable March 31, 2026 HFI Loans WA Rate 6.13% Repricing Schedule (03/31/26) HFI Loans HFS Loans Total Loans ($ in thousands) Carrying Value WA Rate Carrying Value WA Rate Carrying Value WA Rate 3 Months or Less $ 1,117,013 6.78% $ 3,604 8.16% $ 1,120,770 6.78% 3 to 12 Months 444,234 4.80% 0 444,234 4.80% 1 to 3 Years 521,600 5.72% 0 521,600 5.72% 3 to 5 Years 738,590 6.30% 0 738,590 6.30% More than 5 Years 43,778 5.39% 0 51,961 5.39% Total $ 2,865,215 6.14% $ 3,604 8.16% $ 2,877,155 6.14% Loan Yield Analysis 1Q26 ($ in thousands) Amount(2) Yield(3) Average Carrying Value $ 2,840,688 Interest on Loans $ 43,614 6.23% Fee (Cost) 292 0.04% Prepayment Penalty & Late Charges 61 0.01% Discount (Premium) 517 0.07% Total Interest & Fees $ 44,484 6.35%
Carrying Value % to Total Count WA LTV(1) WA Rate Maturing ($ in thousands) 1 Year or Less 1 to 3 Years 3 to 5 Years Over 5 Years Retail (More Than 50%) $ 416,643 21.2% 333 47.5% 5.90% $ 36,550 $ 81,723 $ 179,731 $ 118,639 Industrial 281,023 14.4% 163 47.3% 5.79% 40,795 66,199 95,790 78,239 Mixed Use 207,184 10.6% 151 45.5% 6.00% 35,526 52,352 54,662 64,644 Apartments 178,789 9.2% 71 54.5% 5.44% 9,996 54,739 75,972 38,082 Office 155,310 8.0% 67 52.4% 6.25% 32,575 24,043 55,908 42,784 Motel & Hotel 147,275 7.5% 96 45.3% 6.82% 6,372 42,211 46,528 52,164 Gas Station 125,162 6.4% 129 48.5% 6.77% 13,220 14,789 31,222 65,931 Medical 64,617 3.3% 33 44.4% 6.67% 17,346 27,916 8,971 10,384 Commercial Condominium 47,980 2.5% 43 48.7% 6.01% 8,943 5,684 22,006 11,347 Golf Course 47,071 2.4% 8 37.1% 6.04% 5,196 7,371 34,059 445 Auto (Sales, Repair, & etc.) 38,554 2.0% 31 49.9% 5.40% 479 20,058 11,791 6,226 Car Wash 36,821 1.9% 27 47.5% 6.24% 6,794 2,848 15,637 11,542 Spa, Sauna, & Oher Self-Care 33,655 1.7% 8 48.6% 6.19% 0 7,941 17,513 8,201 Nursing Facility 26,762 1.4% 9 49.4% 6.37% 0 18,033 8,396 333 Wholesale 23,328 1.2% 14 37.9% 5.52% 2,153 3,623 13,332 4,220 Church 19,055 1.0% 19 36.0% 6.49% 1,647 931 6,904 9,573 Others 104,219 5.3% 75 52.1% 6.59% 27,457 10,768 32,147 33,847 Total $ 1,953,448 100.0% 1,277 48.0% 6.08% $ 245,049 $ 441,229 $ 710,569 $ 556,601 Loan Concentration (1) Collateral value at origination. Los Angeles County 60% Orange County 8% Riverside County 4% San Bernardino County 4% Northern CA Counties 1% Other CA Counties 1% NY/NJ 8% Texas 7% Washington 3% Other States 4% Commercial Real Estate Loans Geographic Concentration (3/31/26) $1.95B CA: $1.53B (78%) Commercial Real Estate Loans by Property Type (3/31/26) ($ in thousands) Carrying Value WA LTV(1) WA FICO Residential Mortgage $ 392,680 57.6% 761 Residential Mortgage Loans (3/31/26) 9
Loan Concentration Carrying Value % to Total WA Rate WA Month to Maturity($ in thousands) Finance & Insurance $ 178,506 34.3% 6.13% 7 General Manufacturing & Wholesale Trade 116,515 22.4% 6.58% 40 Retail Trade 58,493 11.2% 6.94% 31 Food Services 47,398 9.1% 7.49% 40 Real Estate Related 40,768 7.8% 6.57% 21 Arts, Entertainment, & Recreation 22,074 4.2% 7.25% 5 Professional, Scientific, & Technical Services 18,093 3.5% 7.01% 15 Transportation & Warehousing 9,019 1.7% 7.52% 24 Other Services 7,655 1.5% 7.19% 25 Construction 6,928 1.3% 7.08% 43 All Other 15,445 3.0% 6.84% 171 Total $ 520,894 100.0% 6.63% 27 Los Angeles County 40% Orange County 14% Other CA Counties 9% Northern CA Counties 7% San Bernardino County 2% Riverside County 0% Georgia 8% NY/NJ 7% Texas 4% Other States 9% Commercial & Industrial Loans Geographic Concentration (3/31/26) Commercial & Industrial Loans by Industry Type (3/31/26) $521MM CA: $381MM (73%) 10
Credit Quality & Peer(1) Comparison $7.5 $7.1 $4.7 $6.2 $8.9 $8.2 $7.9 $9.3 0 1 2 3 4 5 6 7 8 9 10 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 NPAs ($mm) 0.26% 0.24% 0.15% 0.20% 0.27% 0.24% 0.24% 0.27% 0% 0% 0% 0% 0% 0% 0% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 NPAs to Total Assets 1.17% 1.17% 1.16% 1.17% 1.20% 1.20% 1.18% 1.18% 1% 1% 1% 1% 1% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 ACL on Loans to HFI Loans 383% 437% 653% 511% 376% 404% 422% 415% 0 1 2 3 4 5 6 7 8 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 ACL on Loans to Non-Performing HFI Loans (1) Korean-American banks operating in Southern California. (2) Source: UBPR. (3) PCB Bank’s Peer Group per UBPR. (4) Source: press releases concerning financial performance. (3) 11 1.91% 1.83% 1.59% 1.03% 0.73% 0.44% 0.32% 0.31% 0.12% 0% 1% 1% 2% 2% 3% CBB USM Open Hope Peer Shinhan PCB Hanmi Woori NPAs / (Total Loans + OREO)(2) March 31, 2026 Peer Information: December 31, 2025 1.76% 1.39% 0.80% 0.35% 0.31% 0% 0% 0% 1% 1% 1% 1% 1% 2% 2% 2% CBB Hope Open Hanmi PCB Classified Assets to Total Assets(4) March 31, 2026 Peer Information: December 31, 2025
Deposits (1) Not presented in accordance with GAAP. See “Non-GAAP Financial Measures” for a reconciliation of this measure to its most comparable GAAP measure. $544 $540 $548 $564 $576 $551 $566 $570 $484 $492 $467 $513 $551 $669 $676 $681 $1,036 $1,073 $1,099 $1,185 $1,205 $1,252 $1,223 $1,260 $343 $355 $502 $452 $491 $441 $341 $376 $2,407 $2,460 $2,616 $2,714 $2,823 $2,914 $2,795 $2,888 0 500 1,000 1,500 2,000 2,500 3,000 3,500 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Deposit Trend ($mm) Noninterest DDA Retail Other Interest-Bearing Retail Time Deposits Wholesale Deposits Noninterest DDA 20% Retail Other Interest-Bearing 23% Retail Time Deposits 44% Wholesale Deposits 13% Deposit Composition $2.89B $1,503 $1,525 $1,508 $1,610 $1,683 $1,801 $1,806 $1,827 63% 62% 58% 59% 60% 62% 65% 63% 0% 10% 20% 30% 40% 50% 60% 70% 80% $500 $700 $900 $1,100 $1,300 $1,500 $1,700 $1,900 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Core Deposits(1) ($mm) Core Deposits % to Total Deposits Time Deposit Maturity Schedule (3/31/26) Retail Wholesale Total ($ in thousands) Amount WA Rate Amount WA Rate Amount WA Rate 3 Months or Less $ 333,996 4.03% $ 170,540 4.05% $ 504,536 4.04% 3 to 6 Months 306,719 4.11% 120,000 3.56% 426,719 3.95% 6 to 9 Months 265,287 3.86% 60,000 3.76% 325,287 3.84% 9 to 12 Months 352,630 3.84% 25,829 3.70% 378,459 3.83% More than 12 Months 1,521 3.08% - 0.00% 1,521 3.08% Total $ 1,260,153 3.96% $ 376,369 3.82% $ 1,636,522 3.93% YoY +6.4% 1Q26 Highlights • Total deposits increased $92.6 million (3.3%) from 12/31/25 • Retail deposits increased $56.7 million (2.3%), and wholesale deposits increased $35.8 million (10.5%) from 12/31/25 • Uninsured deposits were $1.36 billion (47.2% of total deposits) at 3/31/26 compared to $1.27 billion (45.4% of total deposits) at 12/31/25 March 31, 2026 12
Profitability (1) Not presented in accordance with GAAP. See “Non-GAAP Financial Measures” for reconciliations of these measures to its most comparable GAAP measures. $6.3 $7.8 $7.0 $7.7 $9.1 $11.4 $9.2 $10.7 $9.0 $10.7 $12.3 $12.4 $14.5 $15.5 $14.1 $15.4 0 2 4 6 8 10 12 14 16 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Net Income PTPP Net Income & PTPP(1) Income ($mm) $0.43 $0.52 $0.46 $0.53 $0.62 $0.78 $0.64 $0.74 $0.62 $0.72 $0.83 $0.85 $1.00 $1.07 $0.98 $1.07 0.00 0.20 0.40 0.60 0.80 1.00 1.20 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Diluted EPS Adjusted Diluted EPS Diluted EPS & Adjusted Diluted EPS(1) 0.89% 1.08% 0.94% 1.01% 1.13% 1.35% 1.11% 1.30% 1.28% 1.49% 1.64% 1.62% 1.80% 1.84% 1.70% 1.87% 0% 0% 0% 1% 1% 1% 1% 1% 2% 2% 2% 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 ROAA Adjusted ROAA ROAA & Adjusted ROAA(1) 7.19% 8.70% 7.69% 8.53% 9.76% 11.92% 9.45% 10.95% 10.36% 11.95% 13.46% 13.66% 15.56% 16.21% 14.48% 15.80% 0% 2% 4% 6% 8% 10% 12% 14% 16% 18% 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 ROAE Adjusted ROAE ROAE & Adjusted ROAE(1) 1Q26 Highlights • Net interest income increased $183 thousand, noninterest income increased $829 thousand, and noninterest expense decreased $212 thousand compared to 4Q25 13
Noninterest Income & Expense $13.6 $13.5 $24.5 $16.6 $26.9 $29.0 $13.2 $21.8 $12.7 $19.8 $39.3 $26.4 $31.0 $38.8 $18.1 $13.4 7.8% 8.8% 7.8% 7.3% 6.5% 6.4% 5.8% 7.2% 5.6% 5.6% 4.7% 5.3% 5.4% 5.6% 4.9% 6.5% -10% -8% -6% -4% -2% 0% 2% 4% 6% 8% 10% 0 10 20 30 40 50 60 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 SBA 7(A) Loans ($mm) Sold Production Premium % Gain % $9.2 $8.8 $8.4 $9.1 $8.8 $9.3 $9.3 $9.7 $6.0 $5.8 $5.5 $5.4 $6.0 $5.6 $5.7 $5.1 2.13% 2.04% 1.86% 1.87% 1.84% 1.77% 1.82% 1.78% 0% 1% 1% 2% 2% 3% 0 2 4 6 8 10 12 14 16 18 20 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Noninterest Expense Trend ($mm) Compensation All Other Expenses % to Average Total Assets 62.7% 57.6% 53.0% 53.9% 50.6% 48.9% 51.5% 49.1% 65.3% 64.7% 64.4% 59.7% 58.5% 57.6% 57.8% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Efficiency Ratio (2) PCB Peer Average 265 264 262 257 266 270 264 264 200 210 220 230 240 250 260 270 280 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Number of FTE(3) Employees (1) Annualized. (2) Calculated by dividing noninterest expense by the sum of net interest income and noninterest income. Peer average data from UBPR. (3) Full-time equivalent. (1) $1.7 $1.8 $1.8 $1.7 $1.8 $1.6 $1.9 $1.4 $0.8 $0.8 $1.2 $0.9 $1.5 $1.8 $0.6 $2.0 31% 29% 38% 34% 44% 47% 25% 42% -40% -30% -20% -10% 0% 10% 20% 30% 40% 50% 60% 0 1 1 2 2 3 3 4 4 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Noninterest Income Trend ($mm) All Other Income Gain on Sale of Loans % of Gain on Sale of Loans 14
3.28% 3.36% -0.15% +0.03% +0.17% +0.03% 2.80% 2.90% 3.00% 3.10% 3.20% 3.30% 3.40% 4Q25 Loan Yield Other Earning Assets Yield Int-Bearing Liabilities Cost Balance Sheet Mix 1Q26 Quarter-over-Quarter Impact to Net Interest Margin(1) Net Interest Margin (1) Annualized. 6.77% 6.82% 6.63% 6.59% 6.56% 6.58% 6.44% 6.35% 3.16% 3.25% 3.18% 3.28% 3.33% 3.28% 3.28% 3.36% 4.86% 4.85% 4.59% 4.28% 4.14% 4.10% 3.98% 3.82% 3.81% 3.79% 3.61% 3.45% 3.35% 3.34% 3.23% 3.11% 5.33% 5.26% 4.65% 4.33% 4.33% 4.29% 3.90% 3.64% 2% 3% 4% 5% 6% 7% 8% 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Yield & Cost(1) Loan Yield Net Interest Margin Cost of Interest-Bearing Liabilities Cost of Funds Average Fed Funds Rate 1Q26 Highlights • Net interest income increased $183 thousand to $26.8 million for 1Q26 from $26.7 million for 4Q25. • Net interest margin increased 0.08% to 3.36% for 1Q26 from 3.28% for 4Q25. The increase was primarily due to an increase in other earning asset average yield, a decrease in interest-bearing liabilities cost and an improvement in balance sheet mix, partially offset by a decrease in average loan yield. 15
Capital 12.05% 11.48% 13.87% 15.09% 11.70% 13.46% 13.46% 14.68% 5.00% 6.50% 8.00% 10.00% 0% 2% 4% 6% 8% 10% 12% 14% 16% 18% 20% Tier 1 Leverage CET 1 Capital Tier 1 Capital Total Capital Regulatory Capital Ratios Consolidated Bank Minimum Requirement For Well-Capitalized $24.80 $25.39 $25.30 $25.78 $26.26 $26.93 27.41 27.88 $19.95 $20.55 $20.49 $20.97 $21.44 $22.09 22.55 23.02 $12 $14 $16 $18 $20 $22 $24 $26 $28 $30 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Book Value/TCE Per Share(1) BV Per Share TCE Per Share March 31, 2026 12.39% 12.54% 11.87% 11.65% 11.39% 11.43% 11.89% 11.68% 9.97% 10.14% 9.62% 9.48% 9.30% 9.38% 9.78% 9.65% 6% 7% 8% 9% 10% 11% 12% 13% 14% 15% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Total Equity/TCE to Total Assets(1) Total Equity to Total Assets TCE to Total Assets (1) Not presented in accordance with GAAP. See “Non-GAAP Financial Measures” for a reconciliation of this measure to its most comparable GAAP measure. 16
Non-GAAP Financial Measures To supplement the financial information presented in accordance with GAAP, we use certain non-GAAP financial measures. Management believes the non-GAAP measures enhance investors’ understanding of the Company’s business and performance. These measures are also useful in understanding performance trends and facilitate comparisons with the performance of other financial institutions. Risks associated with non-GAAP measures are the risk that persons might disagree as to the appropriateness of items comprising these measures and that different companies might calculate these measures differently. In the information below, we provide reconciliations of the non-GAAP financial measures used in this presentation to the most direct comparable GAAP measures. Core Deposits Core Deposits is a non-GAAP measure that we use to measure the portion of our total deposits that is thought to be more stable, lower cost and reprice less frequently on average in a rising rate environment. We calculate core deposits as total deposits less time deposits greater than $250,000 and brokered deposits. We track core deposits because we believe it is a useful measure to help assess the Company’s deposit base and, among other things, potential volatility therein. TCE, ROATCE, TCE Per Share and TCE to Total Assets TCE, ROATCE, TCE per share and TCE to total assets are non-GAAP measures that we use to measure the Company’s performance. We calculated TCE as total shareholders’ equity excluding preferred stock. Management believes the non-GAAP measures provide useful supplemental information and a clearer understanding of the Company’s performance. PTPP Income, and Adjusted ROAA, ROAE and Diluted EPS for PTPP PTPP income, and adjusted ROAA, ROAE and Diluted EPS are non-GAAP measures that we use to measure the Company’s performance and believe these presentations provide useful supplemental information and a clearer understanding of the Company’s performance. We calculated PTPP income as net income excluding income tax provision and provision for loan losses. 17
Non-GAAP Financial Measures The following table reconciles core deposits to its most comparable GAAP measure: ($ in thousands) Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Total Deposits (d) $ 2,406,254 $ 2,459,682 $ 2,615,791 $ 2,714,399 $ 2,822,915 $ 2,913,502 $ 2,795,412 $ 2,887,980 Less: Time Deposits Greater Than $250K (619,832) (640,166) (665,124) (712,458) (709,160) (731,517) (708,633) (805,074) Less: Brokered Deposits (283,033) (295,080) (442,284) (392,284) (431,001) (381,001) (280,541) (256,370) Core Deposits (e) $ 1,503,389 $ 1,524,436 $ 1,508,383 $ 1,609,657 $ 1,682,754 $ 1,800,984 $ 1,806,238 $ 1,826,536 Core Deposits to Total Deposits (e)/(d) 62.5% 62.0% 57.7% 59.3% 59.6% 61.8% 64.6% 63.2% The following table reconciles ROATCE to its most comparable GAAP measure: ($ in thousands) 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Average Total Shareholders' Equity (a) $ 351,221 $ 357,376 $ 363,828 $ 367,710 $ 372,629 $ 379,834 $ 387,540 $ 394,574 Less: Average Preferred Stock 69,141 69,141 69,141 69,141 69,141 69,141 69,141 69,141 Average TCE (Non-GAAP) (b) $ 282,080 $ 288,235 $ 294,687 $ 298,569 $ 303,488 $ 310,693 $ 318,399 $ 325,433 Net Income (c) $ 6,281 $ 7,814 $ 7,030 $ 7,735 $ 9,071 $ 11,412 $ 9,234 $ 10,653 ROAE (1) (c)/(a) 7.19% 8.70% 7.69% 8.53% 9.76% 11.92% 9.45% 10.95% Net Income Available to Common Shareholders (d) $ 6,139 $ 7,468 $ 6,684 $ 7,695 $ 8,984 $ 11,326 $ 9,148 $ 10,567 ROATCE (Non-GAAP)(1) (d)/(b) 8.75% 10.31% 9.02% 10.45% 11.87% 14.46% 11.40% 13.17% The following table reconciles TCE per share and TCE to total assets to their most comparable GAAP measures: ($ in thousands, except per share data) Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Total Shareholders' Equity (a) $ 353,469 $ 362,300 $ 363,814 $ 370,864 $ 376,500 $ 384,501 $ 392,026 $ 396,718 Less: Preferred Stock 69,141 69,141 69,141 69,141 69,141 69,141 69,141 69,141 TCE (Non-GAAP) (b) $ 284,328 $ 293,159 $ 294,673 $ 301,723 $ 307,359 $ 315,360 $ 320,885 $ 327,577 Outstanding Shares (c) 14,254,024 14,266,725 14,380,651 14,387,176 14,336,602 14,277,164 14,230,428 14,231,423 Book Value Per Share (a)/(c) $ 24.80 $ 25.39 $ 25.30 $ 25.78 $ 26,26 $ 26.93 $ 27.41 $ 27.88 TCE Per Share (Non-GAAP) (b)/(c) $ 19.95 $ 20.55 $ 20.49 $ 20.97 $ 21,44 $ 22.09 $ 22.55 $ 23.02 Total Assets (d) $ 2,852,964 $ 2,889,833 $ 3,063,971 $ 3,183,758 $ 3,305,589 $ 3,363,506 $ 3,281,771 $ 3,396,193 Total Shareholders’ Equity to Total Assets (a)/(d) 12.39% 12.54% 11.87% 11.65% 11.39% 11.43% 11.88% 11.68% TCE to Total Assets (Non-GAAP) (b)/(d) 9.97% 10.14% 9.62% 9.48% 9.30% 9.38% 9.78% 9.65% (1) Annualized. 18
Non-GAAP Financial Measures (1) Provision (reversal) for credit losses does not include provision (reversal) for off-balance sheet credit exposures for years ended December 31, 2021 and 2022. (2) Annualized. The following table reconciles PTPP income, and adjusted ROAA, ROAE and diluted EPS for PTPP to their most comparable GAAP measures: ($ in thousands) 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Net Income (a) $ 6,281 $ 7,814 $ 7,030 $ 7,735 $ 9,071 $ 11,412 $ 9,235 $ 10,653 Add: Provision (Reversal) for Credit Losses 259 50 2,002 1,598 1,787 (381) 1,024 467 Add: Income Tax Provision 2,505 2,873 3,281 3,056 3,600 4,492 3,887 4,250 PTPP Income (Non-GAAP) (b) $ 9,045 $ 10,737 $ 12,313 $ 12,389 $ 14,458 $ 15,523 $ 14,146 $ 15,370 Average Total Assets (c) $ 2,853,152 $ 2,866,707 $ 2,980,641 $ 3,097,516 $ 3,226,395 $ 3,354,588 $ 3,307,828 $ 3,326,328 ROAA (2) (a)/(c) 0.89% 1.08% 0.94% 1.01% 1.13% 1.35% 1.11% 1.30% Adjusted ROAA (Non-GAAP)(2) (b)/(c) 1.28% 1.49% 1.64% 1.62% 1.80% 1.84% 1.70% 1.87% Average Total Shareholders' Equity (d) $ 351,221 $ 357,376 $ 363,828 $ 367,710 $ 372,629 $ 379,834 $ 387,540 $ 394,574 ROAE (2) (a)/(d) 7.19% 8.70% 7.69% 8.53% 9.76% 11.92% 9.45% 10.95% Adjusted ROAE (Non-GAAP)(2) (b)/(d) 10.36% 11.95% 13.46% 13.66% 15.56% 16.21% 14.48% 15.80% Net Income available to common shareholders $ 6,139 $ 7,468 $ 6,684 $ 7,695 $ 8,984 $ 11,326 $ 9,148 $ 10,567 Less: Income Allocated to Participating Securities (11) (11) (16) (61) (72) (91) (73) (64) Net Income Allocated to Common Stock (e) 6,128 7,457 6,668 7,634 8,912 11,235 9,075 10,503 Add: Provision for Loan Losses 259 50 2,002 1,598 1,787 (381) 1,024 467 Add: Income Tax Provision 2,505 2,873 3,281 3,056 3,600 4,492 3,887 4,250 PTPP Income Allocated to Common Stock (f) $ 8,892 $ 10,380 $ 11,951 $ 12,288 $ 14,299 $ 15,346 $ 13,986 $ 15,220 WA common shares outstanding, diluted (g) 14,312,949 14,356,384 14,406,756 14,403,769 14,326,011 14,325,956 14,235,867 14,238,226 Diluted EPS (e)/(g) $ 0.43 $ 0.52 $ 0.46 $ 0.53 $ 0.62 $ 0.78 $ 0.64 $ 0.74 Adjusted Diluted EPS (Non-GAAP) (f)/(g) $ 0.62 $ 0.72 $ 0.83 $ 0.85 $ 1.00 $ 1.07 $ 0.98 $ 1.07 19 ($ in thousands) 2021 2022 2023 2024 2025 Net Income $ 40,103 $ 34,987 $ 30,705 $ 25,810 $ 37,453 Add: Provision (Reversal) for Credit Losses(1) (4,596) 3,602 (132) 3,401 4,028 Add: Income Tax Provision 16,856 14,416 12,557 10,476 15,035 PTPP Income (Non-GAAP) $ 52,363 $ 53,005 $ 43,130 $ 39,687 $ 56,516
EX-99.3
EX-99.3
Filename: pcbpr20260423dividend.htm · Sequence: 4
Document
Exhibit 99.3
PCB Bancorp Declares Quarterly Cash Dividend of $0.22 Per Common Share
Los Angeles, California, - April 23, 2026 - PCB Bancorp (the “Company”) (NASDAQ: PCB), the holding company of PCB Bank, announced that on April 22, 2026, its Board of Directors declared a quarterly cash dividend of $0.22 per common share. The dividend will be paid on or about May 15, 2026, to shareholders of record as of the close of business on May 8, 2026.
About PCB Bancorp
PCB Bancorp is the bank holding company for PCB Bank, a California state chartered bank, offering a full suite of commercial banking services to small to medium-sized businesses, individuals and professionals, primarily in Southern California, and predominantly in Korean-American and other minority communities.
Contact:
Timothy Chang
Executive Vice President & Chief Financial Officer
213-210-2000
1
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