PCB Bancorp (PCB)

PCB Bancorp Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	172.93	164.3	136.03	95.05	79.16	76.55
Interest Income on Investments	15.59	16.52	15.15	6.7	2.32	3.22
Total Interest Income	188.52	180.82	151.18	101.75	81.47	79.76
Interest Paid on Deposits	91.05	90.49	62.17	11.98	4.04	12.96
Interest Paid on Borrowings	1.31	1.71	0.51	0.14	0.29	0.61
Total Interest Expense	92.36	92.2	62.67	12.12	4.34	13.57
Net Interest Income	96.16	88.62	88.5	89.63	77.14	66.19
Net Interest Income Growth (YoY)	10.39%	0.13%	-1.26%	16.20%	16.54%	-4.12%
Other Non-Interest Income	5.73	5.8	5.64	5.18	4.31	3.96
Total Non-Interest Income	11.54	11.09	10.68	14.5	18.43	11.74
Non-Interest Income Growth (YoY)	10.59%	3.84%	-26.32%	-21.35%	57.02%	-1.09%
Revenues Before Loan Losses	107.7	99.71	99.19	104.13	95.57	77.93
Provision for Loan Losses	5.44	3.4	-0.13	3.6	-4.6	13.22
Revenue	102.26	96.31	99.32	100.53	100.17	64.71
Revenue Growth (YoY)	9.08%	-3.03%	-1.20%	0.36%	54.79%	-15.60%
Salaries and Employee Benefits	34.63	35.16	34.08	32.52	27.52	25.43
Occupancy Expenses	5.5	5.49	4.78	3.73	3	3
Selling, General & Administrative	11.16	11.83	11.35	10.09	9.01	8.97
Other Non-Interest Expense	6.51	7.55	5.84	4.79	3.68	4.25
Total Non-Interest Expense	57.8	60.02	56.06	51.13	43.21	41.65
EBT Excluding Unusual Items	44.46	36.29	43.26	49.4	56.96	23.06
Other Unusual Items	-	-	-	-	-	-0.05
Pretax Income	44.46	36.29	43.26	49.4	56.96	23.01
Income Tax Expense	12.81	10.48	12.56	14.42	16.86	6.84
Net Income	31.65	25.81	30.71	34.99	40.1	16.18
Preferred Dividends & Other Adjustments	0.98	0.88	0.1	0.16	0.16	0.04
Net Income to Common	30.67	24.93	30.61	34.83	39.95	16.14
Net Income Growth	32.44%	-15.94%	-12.24%	-12.76%	147.93%	-32.91%
Basic Shares Outstanding	14	14	14	15	15	15
Diluted Shares Outstanding	14	14	14	15	15	15
Shares Change (YoY)	0.13%	-0.52%	-4.30%	-1.24%	-1.26%	-4.47%
EPS (Basic)	2.15	1.75	2.14	2.35	2.66	1.05
EPS (Diluted)	2.14	1.74	2.12	2.31	2.62	1.04
EPS Growth	28.97%	-17.93%	-8.22%	-11.83%	151.92%	-30.20%
Dividend Per Share	0.760	0.720	0.690	0.600	0.440	0.400
Dividend Growth	5.56%	4.35%	15.00%	36.36%	10.00%	60.00%
Effective Tax Rate	28.81%	28.87%	29.03%	29.18%	29.59%	29.71%

Updated Jun 9, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q