PCB Bancorp (PCB) investor relations material

Executive summary

• Net income available to common shareholders for Q2 2026 was $10.4 million ($0.73 per diluted share), up 16.0% year-over-year and down 1.4% sequentially, with ROAA of 1.24% and ROAE of 10.55%.

• Loans held-for-investment reached $2.93 billion, up 4.9% year-over-year, and total deposits were $2.92 billion, up 3.5% year-over-year, resulting in a loans-to-deposits ratio of 100.42%.

• Asset quality remained strong, with non-performing assets at $8.7 million (0.30% of HFI loans), nonperforming assets at 0.25% of total assets, and an allowance for credit losses (ACL) on loans at 1.18%.

• Net interest income was $27.5 million, up 5.8% year-over-year, with a stable net interest margin of 3.33%.

• Quarterly cash dividend was $0.22 per share, and 150,439 shares were repurchased at a weighted-average price of $25.23.

Financial highlights

• Net interest income for Q2 2026 was $27.5 million, up 5.8% year-over-year and 2.6% sequentially.

• Net income available to common shareholders increased 16.0% year-over-year but declined 1.4% sequentially.

• Diluted EPS was $0.73, up from $0.63 in Q2 2025, a 17.7% year-over-year increase.

• Net interest margin was 3.33%, flat year-over-year and down 0.03% sequentially.

• Efficiency ratio improved to 49.2%.

Outlook and guidance

• Management expects to maintain strong asset quality, capital levels, and liquidity amid economic uncertainties.

• Continued emphasis on core deposit growth, prudent loan production, and monitoring of economic and interest rate trends.