PCB Bancorp Reports Record Earnings for Q3 2026
Business Wire•29/10/2026•16:05 ET
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Key Highlights
- ➤Q3 net income available to common shareholders $12.1M, up 7.0% year over year
- ➤Q3 diluted EPS $0.85, up 9.0% year over year
- ➤Net interest margin expanded to 3.35% from 3.28% year over year
- ➤Total deposits rose 5.6% year over year to $3.08B
- ➤Loans held-for-investment fell 3.0% quarter over quarter to $2.84B
- ➤Credit-loss provision reversed $705,000 during Q3
Expert Statements
Henry Kim, President and CEO of PCB Bancorp
“We delivered another quarter of strong financial performance despite a competitive operating environment and continued interest rate volatility. Our results reflect disciplined execution across the organization, highlighted by record earnings, solid core deposit growth, and an improvement in net interest margin.”
Henry Kim, President and CEO of PCB Bancorp
“During the quarter, we remained focused on prudent balance sheet management and long-term risk-adjusted returns. As part of that strategy, we selectively reduced certain large commercial lending relationships that no longer met our risk and return objectives. While these actions contributed to lower loan balances, they strengthened our liquidity position and reinforced the overall quality of our balance sheet.”
Henry Kim, President and CEO of PCB Bancorp
“Our strong retail deposit growth, solid capital position, and disciplined credit culture continue to provide a foundation for sustainable growth. As we look ahead to the remainder of 2026 and into 2027, we believe we are well positioned to deploy our excess liquidity, capitalize on attractive growth opportunities, and continue delivering long-term value for our shareholders.”
PCB Bancorp (the “Company”) (NASDAQ: PCB), the holding company of PCB Bank (the “Bank”), today reported net income available to common shareholders of $12.1 million, or $0.85 per diluted common share, for the third quarter of 2026, compared with $10.4 million, or $0.73 per diluted common share, for the previous quarter and $11.3 million, or $0.78 per diluted common share, for the year-ago quarter.
* Net income available to common shareholders totaled $12.1 million, or $0.85 per diluted common share, for the current quarter;
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