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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