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PCB Bank

Los Angeles, CA · Cert 57463 · PCB Bcorp

State charter, non-member · FDIC · 19 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17 to 19). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

44

Q2 2024Q2 2026peer median (50)

Asset Quality

77

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

53

Q2 2024Q2 2026peer median

Efficiency

58

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

PCB Bank

Los Angeles, CA · Cert 57463 · PCB Bcorp

State charter, non-member · FDIC · 19 branches

Q2 2026

$3.5BAssets
$2.9BLoans
$2.9BDeposits
$388.4MEquity
Loan mix
88%RE $2.4B11%C&I $0.3B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $2.4B20%Noninterest $0.6BQ2 2025Q2 2026

NIM

6.17%Q2 ’245.94%Q2 ’255.80%Q2 ’26+4%+2%

Non-interest income vs. expense

2.16%Q2 ’241.77%Q2 ’251.71%Q2 ’26-21%-5%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.4% share · #29 of 107 inst. · $2.5B of $667.8B

0.6% Los Angeles
0.3% Orange
0.2% Bergen
0.0% Dallas

Executive Summary

  • Earnings: ROA of 1.28%, up 19 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.30% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.54%, up 5 bps from a year ago.
  • Funding: loans stand at 100.04% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.28%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.18%+8 bps YoY

Efficiency Ratio (YTD, annualized)

48.07%-298 bps YoY

Tier 1 Leverage Ratio

11.54%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.20%1.18%1.30%1.28%+19 bps
Return on Equity9.58%10.60%10.46%11.37%11.25%+167 bps
Net Interest Margin3.11%3.06%3.13%3.22%3.18%+8 bps
Efficiency Ratio51.05%49.88%50.03%48.09%48.07%-298 bps
Non-Interest Burden1.41%1.34%1.39%1.34%1.33%-7 bps
Growth
Asset Growth (YoY)15.83%16.36%7.11%6.67%4.98%-1,085 bps
Loan Growth (YoY)14.33%11.77%7.47%5.02%4.69%-964 bps
Deposit Growth (YoY)17.30%18.44%6.95%6.44%3.58%-1,373 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.30%0.28%0.32%0.30%-2 bps
Net Charge-Offs / Loans0.03%0.03%0.03%0.01%0.00%-2 bps
Allowance / Loans1.20%1.19%1.18%1.18%1.18%-1 bps
Allowance Coverage of NPLs3.8x4.0x4.2x3.7x4.0x+0.2x
Capital
Tier 1 Leverage Ratio11.50%11.25%11.55%11.70%11.54%+5 bps
Total Risk-Based Capital14.47%14.85%14.72%14.68%14.58%+11 bps
Equity / Assets11.08%11.11%11.54%11.34%11.20%+12 bps
Liquidity & Funding
Loans / Deposits98.98%94.48%100.95%99.26%100.04%+107 bps
Liquid Assets / Assets6.72%10.26%5.54%7.15%6.75%+4 bps
CRE / Total Capitaln/a497%497%499%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

PCB Bank

Los Angeles, CA · Cert 57463 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19) · PCB Bcorp

State charter, non-member · FDIC · 19 branches

Q2 2026

$3.5BAssets
$2.9BLoans
$2.9BDeposits
$388.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 88% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 3 of 17).
  • Widest gap: tier 1 capital ratio trails 63% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 12 of 19).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.24%

Rank 11 of 19

Net Interest Margin

3.18%

Rank 11 of 19

Efficiency Ratio

48.07%

Rank 9 of 19

Equity / Assets

11.20%

Rank 9 of 19

Non-interest income vs. expense

$12.9M$58.4MINCOMEEXPENSE
Unfavorable gap of $45.5M · efficiency ratio beats 58% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 48.07%Peer median 51.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.24%1.10%1.26%1.57%Beats 42%11 / 19
Return on Equity11.12%8.62%11.28%14.70%Beats 42%11 / 19
Net Interest Margin3.18%3.07%3.30%3.62%Beats 42%11 / 19
Efficiency Ratio48.07%33.01%51.12%56.65%Beats 58%9 / 19
Asset Quality
Nonperforming Loans / Loans0.30%0.37%0.80%1.55%Beats 88%3 / 17
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 65%7 / 17
Capital
Tier 1 Capital Ratio13.35%12.10%14.67%23.92%Beats 37%12 / 19
Total Risk-Based Capital Ratio14.58%13.35%14.67%24.05%Beats 42%11 / 19
Equity / Assets11.20%9.84%11.18%14.01%Beats 53%9 / 19
Liquidity & Funding
Loans / Deposits100.04%79.34%95.16%100.04%74th pctl5 / 19
Loans / Assets84.60%69.86%77.55%83.04%84th pctl3 / 19
Brokered Deposits / Depositsn/aNot reported for this institution