PCB Bancorp

mypcbbank.com

What Do They Do?

Provides commercial and residential loans, deposit accounts and other banking services to small and middle-market businesses and individuals.

How Do They Make Money?

Customers pay monthly and account-analysis fees for deposit services over the service period, and other deposit charges per transaction. The bank also earns fees when debit-card and wire transactions occur, and receives payment for other real estate at settlement.

revenue

Segment	Share	How money arrives
Total service charges and fees on deposits Mix	53% FY2022: 50%	Mix
Debit card fees Usage-based	14% FY2022: 13%	Usage-based
Gain (loss) on sale of other real estate owned Sold outright	0.0% FY2022: 5.8%	Sold outright
Wire transfer fees Usage-based	24% FY2022: 24%	Usage-based
Other service charges Usage-based	9.1% FY2022: 7.0%	Usage-based

Who Are Their Customers?

Provides deposit products and commercial and residential loans primarily to individuals, small businesses and commercial clients.

Do Revenues Turn Into Profits?

Yes. Its net income in FY2025 was larger than its revenue and turned 842 cents into free cash flow.

Net income, FY2025

1292% of revenue

▲ +45% vs FY2024 ($25.8M, 930%)

Free cash flow, FY2025

842% of revenue

▼ −30% vs FY2024 ($34.9M, 1258%)

How Are They Changing?

Since the FY2025 annual report

Latest quarter: Q2 FY2026, the three months to Jun 30, 2026

Revenue: ▲ +12%; vs $722K in Q2 FY2025
Net income: ▲ +16%; vs $9.1M in Q2 FY2025

Total service charges and fees on deposits share of revenue vs 51.9% in Q2 FY2025

Growing. Revenue grew 22% in 4 years, from $2.4M in FY2021 to $2.9M in FY2025, about 5% a year.

Revenue over time

Total service charges and fees on deposits Debit card fees Gain (loss) on sale of other real estate owned Wire transfer fees Other service charges Service charges and fees on deposits

$5M$2.5M$0

FY2021 FY2022 FY2023 FY2024 FY2025

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