PCB Bancorp
mypcbbank.comPCB Bancorp (NYSE: PCB) is a community banking company that operates through its subsidiary PCB Bank, serving the Korean-American business and consumer market. It earns money primarily through net interest income, the spread between interest earned on loans and investment securities and interest paid on deposits and borrowings. As of December 31, 2025, PCB Bancorp held $3.28 billion in total assets and $2.80 billion in total deposits, with an average cost of deposits of 3.33% for the year ended December 31, 2025. The loan portfolio includes commercial real estate, commercial and industrial, and SBA loans; the Bank is an SBA-approved lender that sells the guaranteed portions of SBA 7(a) loans in the secondary market at a premium, generating gain-on-sale income and ongoing loan servicing fees. Noninterest income for FY2024 totaled $11.1 million, with gain on sale of loans at $3.8 million and loan servicing income at $3.4 million. Net income for FY2025 was $37.5 million, up from $25.8 million in FY2024. CEO Henry Kim leads the company.
Products & Services
Commercial real estate loans, commercial and industrial loans, SBA 7(a) loans, SBA 504 loans, residential mortgage loans, deposit accounts (savings, NOW, money market, time deposits), loan servicing, bank-owned life insurance, wire and remittance services.
Revenue Model
Net interest income from loans and investment securities funded by retail and wholesale deposits; noninterest income from SBA loan sale premiums, loan servicing fees, service charges on deposits, and wire and debit card interchange fees.
Customers & Markets
Korean-American small businesses and consumers; small business borrowers seeking SBA-guaranteed financing; commercial real estate owners and operators.
Geographic Exposure
Korean-American focused banking markets; wholesale deposits include California State Treasurer's time deposits, indicating primary California operations.
Financial Snapshot
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