Short answer
PCB BANCORP (PCB) filed its Q3 2025 10-Q quarterly report on Nov 7, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $735,000 (down 4.5% year over year) with net income of $11M.
Q3 2025 key financials · XBRL
- Revenue
- $735,000
- −4.5% YoY · +1.8% QoQ
- Net income
- $11M
- +46.0% YoY · +25.8% QoQ
- EPS (diluted)
- $0.79
- +51.9% YoY · +27.4% QoQ
Source: XBRL data from the PCB BANCORP (PCB) Q3 2025 10-Q on SEC EDGAR. USD.
PCB BANCORP Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Net income $11.4M vs $7.8M YoY; net income available to common shareholders $11.3M vs $7.5M
- Net interest income $27.0M vs $22.7M; net interest margin 3.28% vs 3.25%
- Best performer: gain on loan sales $1.6M vs $750K; noninterest income $3.4M vs $2.6M
- Cash and equivalents $369.5M vs $193.1M; loans $2.75B vs $2.47B; deposits $2.91B vs $2.46B
- Credit headwinds: nonperforming loans $8.2M vs $6.6M; net charge-offs $166K vs $10K; downside ACL sensitivity approximately $18.0M
Risk Factors
- New material weakness in internal financial reporting controls, identified as of September 30, 2025
- SEC reporting risk from ineffective controls, potentially causing misstatements, delisting, or trading-price declines
- ECIP compliance risk, with Series C repurchase eligibility requiring lending thresholds, MDI status, and well-capitalized status
- Preferred-stock liquidity risk, with earliest potential $69.1 million Series C repurchase on June 30, 2026
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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