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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 75thStandingRank8-Qtr TrendPeer 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