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.

1 291,9 %

+4,5 %

— PCB Bancorp
%
Lending55% Commercial real estate, commercial and industrial, consumer, and SBA-related loans.
Deposit Banking20% Core deposit accounts including demand, savings, money market, and time deposits.
Treasury and Cash Management15% Business cash management, ACH, wire, remote deposit, positive pay, and sweep services.
Transaction and Digital Banking10% Online banking, mobile banking, bill pay, debit cards, ATMs, and account access tools.

PCB Bancorp serves small and middle-market businesses, along with individual customers, primarily through PCB Bank’s...

  • Small and middle-market businessesprimary

    Primary relationship customers that use loans, deposits, and treasury services for operating needs.

  • Commercial real estate borrowersprimary

    Businesses and investors seeking CRE financing secured by property cash flows and collateral.

  • SBA loan borrowerssecondary

    Small businesses using SBA-originated loans for expansion, acquisition, or working capital.

  • Retail deposit customerssecondary

    Individuals and small businesses placing funds in checking, savings, money market, and time deposits.

  • Treasury management clientssecondary

    Commercial customers buying payment, liquidity, and receivables tools to manage cash flow.

PCB Bancorp is headquartered in Los Angeles, California, and operates a branch network concentrated in Southern...

  • •Headquartered in Los Angeles, California
  • •Nine branches in Los Angeles and Orange Counties
  • •Three branches on the East Coast in New York and New Jersey
  • •Two branches in Texas and one branch in Georgia
  • •Loan originators in Washington focused primarily on SBA lending
  • •Geographic diversification supports deposit gathering and loan growth

PCB Bancorp’s strategy is centered on relationship banking: originating loans within its primary markets, cross-selling...

01
Grow relationship-based lending in core marketsmedium-term

Loan growth depends on local underwriting and repeat customer relationships.

02
Increase core deposits and funding stabilityshort-term

Core deposits are the primary low-cost funding source for the loan book.

03
Cross-sell treasury and cash management servicesmedium-term

Non-lending services deepen customer relationships and improve retention.

04
Preserve liquidity and funding flexibilityshort-term

Bank funding can be cyclical, so access to wholesale and contingent liquidity matters.

PCB Bancorp is exposed to credit risk from commercial real estate, C&I, and consumer lending, where borrower...

high

Credit risk in lending portfolio

The bank lends to businesses and individuals, so borrower defaults and collateral shortfalls can hurt results.

Scope
CRE, C&I, consumer, and SBA lending
Materiality
high
high

Commercial real estate concentration risk

CRE values and cash flows can be cyclical and sensitive to local market conditions.

Scope
Property-secured commercial loans
Materiality
high
high

Deposit and funding competition

Customers may move funds to larger banks or higher-yield alternatives during stress.

Scope
Core deposits, time deposits, wholesale funding
Materiality
high
high

Internal control weakness

A material weakness can impair financial reporting and require remediation effort.

Scope
Internal control over financial reporting
Materiality
high
medium

Regulatory and compliance risk

Banks face consumer protection, capital, liquidity, and safety-and-soundness oversight.

Scope
CFPB, prudential banking regulators, FDIC
Materiality
high
Allowance for credit losses
Affects provision expense, net income, and balance sheet reserves
Accrued interest receivable
Affects interest income and loan-related asset balances
Fair value measurement
Affects other comprehensive income and reported equity
Internal control over financial reporting
Affects reliability of reported financial statements

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: 29/04/2026