PCB Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	207.14	198.79	242.34	147.03	203.29
Investment Securities	-	20.97	18.86	22.31	21.03
Mortgage-Backed Securities	160.01	133.68	128.26	123.86	103.77
Total Investments	160.01	154.65	147.12	146.16	124.8
Gross Loans	2,820	2,629	2,323	2,046	1,732
Allowance for Loan Losses	-33.38	-30.63	-27.53	-24.94	-22.38
Net Loans	2,787	2,599	2,296	2,021	1,710
Property, Plant & Equipment	25.35	25.53	24.91	13.27	9.88
Loans Held for Sale	12.08	6.29	5.16	22.81	37.03
Accrued Interest Receivable	10.67	10.47	9.47	7.47	5.37
Long-Term Deferred Tax Assets	9.21	7.25	-	3.12	10.82
Other Real Estate Owned & Foreclosed	-	-	2.56	-	-
Other Long-Term Assets	55.32	48.33	49.53	49.05	40.33
Total Assets	3,282	3,064	2,790	2,420	2,150
Interest Bearing Deposits	1,531	1,403	1,181	897.12	764.48
Institutional Deposits	708.63	665.12	575.7	413.88	272.27
Non-Interest Bearing Deposits	555.65	547.85	594.67	734.99	830.38
Total Deposits	2,795	2,616	2,352	2,046	1,867
Short-Term Borrowings	-	15	39	20	-
Current Portion of Long-Term Debt	-	-	-	-	10
Current Portion of Leases	-	3.4	-	-	2.71
Accrued Interest Payable	43.34	24.41	18.05	3.16	0.77
Federal Home Loan Bank Debt, Long-Term	34	-	-	-	-
Long-Term Leases	19	15.27	20.14	6.81	4.74
Long-Term Deferred Tax Liabilities	-	-	0.88	-	-
Other Long-Term Liabilities	-	26.29	10.96	8.64	8.1
Total Liabilities	2,892	2,700	2,441	2,085	1,893
Preferred Stock, Redeemable	69.14	69.14	69.14	69.14	-
Common Stock	139.26	143.2	142.56	149.63	154.99
Retained Earnings	186.49	160.8	146.09	127.18	101.14
Comprehensive Income & Other	-4.86	-9.32	-8.92	-10.51	0.15
Total Common Equity	320.89	294.67	279.73	266.3	256.29
Shareholders' Equity	390.03	363.81	348.87	335.44	256.29
Total Liabilities & Equity	3,282	3,064	2,790	2,420	2,150
Total Debt	53	33.67	59.14	26.81	17.44
Net Cash (Debt)	154.15	165.12	183.21	120.22	185.84
Net Cash Growth	-6.65%	-9.87%	52.39%	-35.31%	75.91%
Net Cash Per Share	10.80	11.51	12.71	7.98	12.18
Filing Date Shares Outstanding	14.11	14.26	14.22	14.35	14.86
Total Common Shares Outstanding	14.11	14.26	14.22	14.56	14.81
Book Value Per Share	22.74	20.66	19.67	18.29	17.30
Tangible Book Value	320.89	294.67	279.73	266.3	256.29
Tangible Book Value Per Share	22.74	20.66	19.67	18.29	17.30

Source: S&P Global Market Intelligence. Banks template. Financial Sources.