PCB Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Interest Income on Loans	183.17	180.35	164.3	136.03	95.05	79.16
Interest Income on Investments	18.05	17.19	16.52	15.15	6.7	2.32
Total Interest Income	201.22	197.54	180.82	151.18	101.75	81.47
Interest Paid on Deposits	89.71	92.26	90.49	62.17	11.98	4.04
Interest Paid on Borrowings	1.76	1.4	1.71	0.51	0.14	0.29
Total Interest Expense	91.47	93.66	92.2	62.67	12.12	4.34
Net Interest Income	109.75	103.88	88.62	88.5	89.63	77.14
Net Interest Income Growth	9.30%	17.22%	0.13%	-1.26%	16.20%	16.54%
Other Non-Interest Income	6.08	5.68	5.8	5.64	5.18	4.31
Total Non-Interest Income	12.7	11.84	11.09	10.68	14.5	18.43
Non-Interest Income Growth	2.93%	6.70%	3.84%	-26.32%	-21.35%	57.02%
Revenues Before Loan Losses	122.45	115.71	99.71	99.19	104.13	95.57
Provision for Loan Losses	1.71	4.03	3.4	-0.13	3.6	-4.6
Revenue	120.73	111.69	96.31	99.32	100.53	100.17
Revenue Growth	12.06%	15.97%	-3.03%	-1.20%	0.36%	54.79%
Salaries and Employee Benefits	37.66	35.58	35.16	34.08	32.52	27.52
Occupancy Expenses	5.35	5.46	5.49	4.78	3.73	3
Selling, General & Administrative	12.03	11.91	11.83	11.35	10.09	9.01
Other Non-Interest Expense	5.51	5.79	7.04	5.84	4.79	3.68
Total Non-Interest Expense	60.55	58.74	59.52	56.06	51.13	43.21
EBT Excluding Unusual Items	60.18	52.94	36.79	43.26	49.4	56.96
Asset Writedown	-0.24	-0.24	-	-	-	-
Legal Settlements	-0.22	-0.22	-	-	-	-
Other Unusual Items	-	-	-0.51	-	-	-
Pretax Income	59.73	52.49	36.29	43.26	49.4	56.96
Income Tax Expense	17.13	15.04	10.48	12.56	14.42	16.86
Net Income	42.6	37.45	25.81	30.71	34.99	40.1
Preferred Dividends & Other Adjustments	0.64	0.6	0.88	0.1	0.16	0.16
Net Income to Common	41.96	36.86	24.93	30.61	34.83	39.95
Net Income Growth	21.80%	47.85%	-18.56%	-12.12%	-12.81%	147.53%
Basic Shares Outstanding	14	14	14	14	15	15
Diluted Shares Outstanding	14	14	14	14	15	15
Shares Change	-1.41%	-0.44%	-0.52%	-4.30%	-1.24%	-1.26%
EPS (Basic)	2.98	2.59	1.75	2.14	2.35	2.66
EPS (Diluted)	2.96	2.58	1.74	2.12	2.31	2.62
EPS Growth	22.88%	48.28%	-17.93%	-8.22%	-11.83%	151.92%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Dividend Per Share	0.860	0.800	0.720	0.690	0.600	0.440
Dividend Growth	10.26%	11.11%	4.35%	15.00%	36.36%	10.00%
Effective Tax Rate	28.67%	28.64%	28.87%	29.03%	29.18%	29.59%

SEC Filings: 10-K · 10-Q