PCB Bancorp Q2 FY26 net income falls 1.4% to $10.51 million

• PCB Bancorp posted Q2 2026 net income available to common shareholders of $10.4 million, or $0.73 per diluted share, up 16% from a year earlier.
• Net interest income rose 5.8% from a year earlier to $27.5 million; net interest margin was 3.33%, unchanged year over year.
• Provision for credit losses fell 48.2% from a year earlier to $926,000; the ACL on loans to loans held-for-investment ratio was 1.18%, down from 1.2%.
• Total assets increased 5% from a year earlier to $3.47 billion; loans held-for-investment climbed 4.9% to $2.93 billion, deposits rose 3.5% to $2.92 billion.
• CEO Henry Kim cited loan and deposit growth, strong asset quality, and disciplined expense management; nonperforming assets were 0.25% of total assets.

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