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PCB Bancorp PCB Business Segments — Provision for Credit Losses

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TCBKReportable segment — Provision for Credit Losses
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Other financials

Income statement

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Revenue$30.7M+4.8%
Net income$10.5M+15.8%
EPS (diluted)$0.73+17.7%

Balance sheet

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Cash & equivalents$265.2M+0.6%
Total debt$27.7M+41.0%
Total equity$400.5M+6.4%
Total assets$3.5B+5.0%

Cash flow

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Operating cash flow$1.4M-72.4%
CapEx$108.0K-89.9%
Free cash flow$1.2M-67.5%

Valuation

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Market cap$386.93M+28.3%
Enterprise value$149.43M+159%
P/E9.3×-0.3×
P/S3.2×+0.4×

Profitability

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Net margin34.7%+5.3pp
FCF margin33.9%+14.0pp

Returns & leverage

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Return on equity10.8%+2.1pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by PCB Bancorp in its filing.

Tagged under the XBRL concept pcb:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalIncludingOffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal.

The source filing: PCB Bancorp’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 4:06 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001423869-26-000027
Line itemThree Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Borrowings7518131,294858
Total interest expense22,54623,31844,56745,927
Net interest income27,49425,99054,30450,273
Provision for credit losses9261,7871,3933,385
Net interest income after provision for credit losses26,56824,20352,91146,888
Noninterest income:
Service charges and fees on deposits450375880747
Loan servicing income8027601,6031,485

Item 1 - Consolidated Financial Statements

FAQ

What is PCB Bancorp's business segments — provision for credit losses?
PCB Bancorp (PCB) reported business segments — provision for credit losses of $926K in Q2 2026.
How has PCB Bancorp's business segments — provision for credit losses changed year-over-year?
PCB Bancorp's business segments — provision for credit losses decreased by 48.2% year-over-year, from $1.79M to $926K.
What is the long-term trend for PCB Bancorp's business segments — provision for credit losses?
Over 3 years (2022 to 2025), PCB Bancorp's business segments — provision for credit losses has grown at a 3.8% compound annual growth rate (CAGR), from $3.6M to $4.03M.
What does business segments — provision for credit losses mean?
This is the periodic expense charged to earnings to maintain the allowance for credit losses at a level deemed adequate to cover expected losses in the loan portfolio. It reflects management's assessment of credit risk and the overall health of the segment's lending activities.

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