← PCB BANCORP
| Annual Trend | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| Accrued interest receivable | — | $5.1m | $9.3m | $5.4m | $7.5m | $9.5m | $10.5m | $10.7m | |
| Total cash and cash equivalents | $162.3m | $146.2m | $194.1m | $203.3m | $147.0m | $242.3m | $198.8m | $207.1m | |
| Other assets | — | $5.6m | $3.8m | $5.1m | $15.8m | $15.6m | $18.9m | $16.9m | |
| Cash and due from banks | $24.1m | $17.8m | $19.6m | $15.2m | $23.2m | $26.5m | $27.1m | $25.3m | |
| Interest-bearing deposits in other financial institutions | $138.2m | $128.4m | $174.5m | $188.1m | $123.8m | $215.8m | $171.7m | $181.8m | |
| Securities available-for-sale, at fair value (amortized cost of $167,053 and $159,742, respectively, and allowance for credit losses of $0 and $0, respectively, at December 31, 2025 and 2024) | $147.0m | $97.6m | $120.5m | $123.2m | $141.9m | $143.3m | $146.3m | $160.0m | |
| Loans held-for-sale | $5.8m | $2.0m | $2.0m | $37.0m | $22.8m | $5.2m | $6.3m | $12.1m | |
| Loans held-for-investment, net of deferred loan costs (fees) | $1.3b | $1.5b | $1.6b | $1.7b | $2.0b | $2.3b | $2.6b | $2.8b | |
| Allowance for credit losses on loans | — | — | — | ($22.4m) | ($24.9m) | ($27.5m) | ($30.6m) | ($33.4m) | |
| Net loans held-for-investment | $1.3b | $1.4b | $1.6b | $1.7b | $2.0b | $2.3b | $2.6b | $2.8b | |
| Premises and equipment, net | $4.6m | $3.8m | $4.0m | $3.1m | $6.9m | $6.0m | $8.3m | $8.2m | |
| Federal Home Loan Bank and other restricted stock, at cost | $7.4m | $8.3m | $8.4m | $8.6m | $10.2m | $12.7m | $14.0m | $15.0m | |
| Bank-owned life insurance | — | — | $0 | $29.4m | $30.1m | $30.8m | $31.8m | $32.8m | |
| Deferred tax assets, net | $3.4m | $5.3m | $8.1m | $10.8m | $3.1m | $0 | $7.2m | $9.2m | |
| Servicing assets | $7.7m | $6.8m | $6.4m | $7.3m | $7.3m | $6.7m | $5.8m | $5.6m | |
| Operating lease assets | — | $9.0m | $7.6m | $6.8m | $6.4m | $18.9m | $17.3m | $17.2m | |
| Noninterest-bearing demand | $329.3m | $360.0m | $538.0m | $830.4m | $735.0m | $594.7m | $547.9m | $555.6m | |
| Savings, NOW and money market accounts | $313.6m | $362.2m | $408.8m | $422.5m | $514.7m | $421.2m | $466.9m | $676.1m | |
| Time deposits of $250,000 or less | $519.6m | $467.4m | $379.3m | $342.0m | $382.4m | $760.0m | $935.9m | $855.1m | |
| Time deposits of more than $250,000 | $281.2m | $289.7m | $268.7m | $272.3m | $413.9m | $575.7m | $665.1m | $708.6m | |
| Other short-term borrowings | — | — | — | — | — | $0 | $15.0m | $0 | |
| Federal Home Loan Bank advances | $30.0m | $20.0m | $80.0m | $10.0m | $20.0m | $39.0m | $0 | $34.0m | |
| Operating lease liabilities | — | $10.0m | $8.5m | $7.4m | $6.8m | $20.1m | $18.7m | $19.0m | |
| Series C, senior non-cumulative perpetual, $1,000 per share liquidation preference, 69,141 and 69,141 shares issued and outstanding at December 31, 2025 and 2024, respectively | 0 | 0 | 0 | 0 | 69.1m | 69.1m | 69.1m | 69.1m | |
| Total deposits | $1.4b | $1.5b | $1.6b | $1.9b | $2.0b | $2.4b | $2.6b | $2.8b | |
| Total shareholders’ equity | $210.3m | $226.8m | $233.8m | $256.3m | $335.4m | $348.9m | $363.8m | $390.0m | |
| Total assets | $1.7b | $1.7b | $1.9b | $2.1b | $2.4b | $2.8b | $3.1b | $3.3b | |
| Accrued interest payable and other liabilities | $13.0m | $10.2m | $5.8m | $8.9m | $11.8m | $29.0m | $50.7m | $43.3m | |
| Total liabilities | $1.5b | $1.5b | $1.7b | $1.9b | $2.1b | $2.4b | $2.7b | $2.9b | |
| Common stock, 60,000,000 shares authorized, no par value; issued and outstanding 14,230,428 and 14,380,651 shares, respectively, and included 90,850 and 119,100 shares of unvested restricted stock, respectively, at December 31, 2025 and 2024 | 174.4m | 169.2m | 164.1m | 155.0m | 149.6m | 142.6m | 143.2m | 139.3m | |
| Retained earnings | $37.6m | $57.7m | $67.7m | $101.1m | $127.2m | $146.1m | $160.8m | $186.5m | |
| Accumulated other comprehensive loss, net | ($1.6m) | ($57k) | $2.0m | $154k | ($10.5m) | ($8.9m) | ($9.3m) | ($4.9m) | |
| Total liabilities and shareholders’ equity | $1.7b | $1.7b | $1.9b | $2.1b | $2.4b | $2.8b | $3.1b | $3.3b |
Values abbreviated: b = billions, m = millions, k = thousands. Per share data in USD.