PCB BANCORP (PCB): Results of Operations and Financial Condition
PCB BANCORP (PCB) filed an SEC Form 8-K — Results of Operations and Financial Condition. EX-99.1 2 pcbpr20260723earnings.htm EX-99.1 Document Exhibit 99.1 PCB Bancorp Reports Earnings for Q2 2026 Los Angeles, California, - July 23, 2026 - PCB Bancorp (the “Company”) (NASDAQ: PCB), the holding company of PCB Bank (the “Bank”), today reported net income available to co
How this was made
The 30-second read
Why it matters
Traders can update expectations for PCB’s earnings power by combining (1) NII and NIM stability, (2) loan and deposit growth rates, and (3) the direction of credit-loss provisioning and allowance coverage.
Market read
Q2 2026 results provide fresh quarterly numbers for EPS, NII/NIM, credit-loss provision, and balance-sheet growth, which can drive near-term valuation and peer read-across.
What to watch
Wholesale deposits declined while retail deposits rose; funding mix shifts can affect future cost of funds and NIM durability even if current NIM is stable.
Background
SEC 8-K Item 2.02 includes Exhibit 99.1 with PCB Bancorp’s Q2 2026 results and balance-sheet metrics as of June 30, 2026.
Ticker impact
PCB Bancorp reported Q2 2026 net income available to common shareholders of $10.4M, or $0.73 diluted EPS, with net interest income rising to $27.5M.
Near-term reaction likely muted to slightly positive, as NII and deposits/loans grew while EPS dipped and credit-loss provision increased.
The filing provides concrete quarterly datapoints: EPS down 1.4% QoQ, provision for credit losses up to $926k from $467k, while net interest margin held at 3.33% and nonperforming assets stayed low (0.25% of total assets).
Market effects
Adds another datapoint on small-bank credit costs and funding dynamics, with stable NIM and low nonperforming assets but rising provision.
Limited direct regional read-through beyond community bank peers, since the filing is company-specific.
Low, as it is a small-cap US bank earnings update with no cross-border or macro policy linkage.
Counterpoint
The higher provision for credit losses (up sharply QoQ) could signal worsening credit trends that may not yet show up in nonperforming assets.
Key entities
- companyPCB Bancorp
Holding company of PCB Bank; reported Q2 2026 earnings and financial condition in an SEC 8-K.
- subsidiaryPCB Bank
Operating bank within the holding company referenced in the earnings release.
- executiveHenry Kim
President and CEO who commented on loan/deposit growth, asset quality, and expense management.
