PCB Bancorp
PCB Bancorp is a California-based bank holding company whose main operating subsidiary is PCB Bank, a state-chartered commercial bank. Through its branch network and lending teams, the bank provides deposits, commercial loans, consumer loans, and treasury management services to small and middle-market customers in the United States.
Fiscal year 2025 · change from previous year
Development 2020–2025
Business
Share of revenueCommercial real estate, commercial and industrial, consumer, and SBA-related loans.
Core deposit accounts including demand, savings, money market, and time deposits.
Business cash management, ACH, wire, remote deposit, positive pay, and sweep services.
Online banking, mobile banking, bill pay, debit cards, ATMs, and account access tools.
Products
Reported · share of revenue- Account Analysis Fees30.7 %
- Products and Services Wire Transfer Fees24.1 %
- Non Sufficient Funds Charges14.8 %
- Products and Services Debit Card Fees13.7 %
- Products and Services Other Service Charges9.1 %
- Other7.7 %
Source: 10-K FY2025, revenue the company reports per product line (SEC XBRL). Shares are of the lines shown and add up to 100 %.
Customers
PCB Bancorp serves small and middle-market businesses, along with individual customers, primarily through PCB Bank’s branch network and relationship officers. Its lending and deposit products are tailored to operating businesses that need commercial credit, treasury tools, and day-to-day banking access, including SBA borrowers and community-based clients.
Primary relationship customers that use loans, deposits, and treasury services for operating needs.
Businesses and investors seeking CRE financing secured by property cash flows and collateral.
Small businesses using SBA-originated loans for expansion, acquisition, or working capital.
Individuals and small businesses placing funds in checking, savings, money market, and time deposits.
Commercial customers buying payment, liquidity, and receivables tools to manage cash flow.
Strategy
PCB Bancorp’s strategy is centered on relationship banking: originating loans within its primary markets, cross-selling deposits and treasury services, and maintaining a diversified mix of business and consumer customers. It also emphasizes convenience, accessibility, and technology-enabled service through online and mobile banking while using branch presence and relationship officers to deepen customer ties.
Loan growth depends on local underwriting and repeat customer relationships.
Core deposits are the primary low-cost funding source for the loan book.
Non-lending services deepen customer relationships and improve retention.
Bank funding can be cyclical, so access to wholesale and contingent liquidity matters.
Geography
PCB Bancorp is headquartered in Los Angeles, California, and operates a branch network concentrated in Southern California, with additional branches in New York, New Jersey, Texas, and Georgia. The bank also maintains loan origination activity in Washington, giving it a multi-state footprint while still relying heavily on local relationship banking in its core markets.
Risks
PCB Bancorp is exposed to credit risk from commercial real estate, C&I, and consumer lending, where borrower performance and collateral values can weaken with the economy. Like other community and regional banks, it also faces funding, regulatory, and deposit competition risks, plus operational and control risks tied to compliance and internal reporting processes.
- Credit risk in lending portfolioImpact: HighLikelihood: Medium
The bank lends to businesses and individuals, so borrower defaults and collateral shortfalls can hurt results.
Exposure - Commercial real estate concentration riskImpact: HighLikelihood: Medium
CRE values and cash flows can be cyclical and sensitive to local market conditions.
Exposure: Property-secured commercial loans
- Deposit and funding competitionImpact: HighLikelihood: Medium
Customers may move funds to larger banks or higher-yield alternatives during stress.
Exposure - Internal control weaknessImpact: HighLikelihood: Medium
A material weakness can impair financial reporting and require remediation effort.
Exposure: Internal control over financial reporting
- Regulatory and compliance riskImpact: MediumLikelihood: Medium
Banks face consumer protection, capital, liquidity, and safety-and-soundness oversight.
Exposure
Accounting
Judgemental itemsManagement uses probability of default, loss given default, and forecast assumptions to estimate expected losses.
Impact: Affects provision expense, net income, and balance sheet reserves
The bank has elected specific treatment for accrued interest under ASC 326, which affects interest income and reserve measurement.
Impact: Affects interest income and loan-related asset balances
Securities and certain financial instruments require valuation estimates that can move with market rates.
Impact: Affects other comprehensive income and reported equity
A reported material weakness increases the risk of misstatement and remediation expense.
Impact: Affects reliability of reported financial statements
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Last updated: 24/09/2026