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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	177.01	164.3	136.03	95.05	79.16	76.55
Interest Income on Investments	16.98	16.52	15.15	6.7	2.32	3.22
Total Interest Income	193.99	180.82	151.18	101.75	81.47	79.76
Interest Paid on Deposits	91.99	90.49	62.17	11.98	4.04	12.96
Interest Paid on Borrowings	1.58	1.71	0.51	0.14	0.29	0.61
Total Interest Expense	93.58	92.2	62.67	12.12	4.34	13.57
Net Interest Income	100.42	88.62	88.5	89.63	77.14	66.19
Net Interest Income Growth (YoY)	14.92%	0.13%	-1.26%	16.20%	16.54%	-4.12%
Other Non-Interest Income	5.68	5.8	5.64	5.18	4.31	3.96
Total Non-Interest Income	12.33	11.09	10.68	14.5	18.43	11.74
Non-Interest Income Growth (YoY)	16.88%	3.84%	-26.32%	-21.35%	57.02%	-1.09%
Revenues Before Loan Losses	112.75	99.71	99.19	104.13	95.57	77.93
Provision for Loan Losses	5.01	3.4	-0.13	3.6	-4.6	13.22
Revenue	107.74	96.31	99.32	100.53	100.17	64.71
Revenue Growth (YoY)	13.61%	-3.03%	-1.20%	0.36%	54.79%	-15.60%
Salaries and Employee Benefits	34.81	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	11.46	11.83	11.35	10.09	9.01	8.97
Other Non-Interest Expense	6.38	7.55	5.84	4.79	3.68	4.25
Total Non-Interest Expense	58.15	60.02	56.06	51.13	43.21	41.65
EBT Excluding Unusual Items	49.59	36.29	43.26	49.4	56.96	23.06
Other Unusual Items	0.51	-	-	-	-	-0.05
Pretax Income	49.68	36.29	43.26	49.4	56.96	23.01
Income Tax Expense	14.43	10.48	12.56	14.42	16.86	6.84
Net Income	35.25	25.81	30.71	34.99	40.1	16.18
Preferred Dividends & Other Adjustments	0.8	0.88	0.1	0.16	0.16	0.04
Net Income to Common	34.45	24.93	30.61	34.83	39.95	16.14
Net Income Growth	42.77%	-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)	0.20%	-0.52%	-4.30%	-1.24%	-1.26%	-4.47%
EPS (Basic)	2.42	1.75	2.14	2.35	2.66	1.05
EPS (Diluted)	2.41	1.74	2.12	2.31	2.62	1.04
EPS Growth	43.50%	-17.93%	-8.22%	-11.83%	151.92%	-30.20%
Dividend Per Share	0.780	0.720	0.690	0.600	0.440	0.400
Dividend Growth	8.33%	4.35%	15.00%	36.36%	10.00%	60.00%
Effective Tax Rate	29.05%	28.87%	29.03%	29.18%	29.59%	29.71%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q