The bank maintains a stable capital foundation with an equity-to-assets ratio of 12% as of 2026Q1, though the $3.0 billion investment securities portfolio warrants monitoring for potential duration risk.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 |
|---|
| Cash & Short Term Investments | 1.5B | 185.33M | 345.14M | 385.67M | 288.89M | 326.48M | 314.63M | 243.79M | 309.26M | 203.35M | 152.79M | 161.8M | 117.18M | 127.97M | 98.25M | 114.03M | 83.87M | 46.26M | 22.2M | 19.59M | 16.36M | 13.85M | 6.61M | 2.69M |
| Cash & Due from Banks | 24.79M | 25.32M | 198.79M | 242.34M | 147.03M | 203.28M | 194.1M | 146.23M | 162.27M | 73.66M | 69.95M | 76.95M | 67.54M | 71.52M | 61.79M | 110.91M | 83.87M | 46.26M | 22.2M | 19.59M | 16.36M | 13.85M | 6.61M | 2.69M |
| Short Term Investments | 170.48M | 160.01M | 146.35M | 143.32M | 141.86M | 123.2M | 120.53M | 97.57M | 146.99M | 129.69M | 82.84M | 84.85M | 49.65M | 56.46M | 36.46M | 3.12M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 3.01B | 160.01M | 2.75B | 2.44B | 2.19B | 1.87B | 1.68B | 1.56B | 1.5B | 1.33B | 1.12B | 939.15M | 803.2M | 659.9M | 537.72M | 424.06M | 440.85M | 472.55M | 541.54M | 454.21M | 301.27M | 189.27M | 92.84M | 34.24M |
| Investments Growth % | 36.68% | -94.18% | 12.56% | 11.83% | 16.88% | 11.34% | 7.93% | 3.74% | 12.46% | 18.84% | 19.51% | 16.93% | 21.71% | 22.72% | 26.8% | -3.81% | -6.71% | -12.74% | 19.23% | 50.76% | 59.17% | 103.87% | 171.18% | - |
| Long-Term Investments | 11.14B | 0 | 2.61B | 2.3B | 2.04B | 1.75B | 1.56B | 1.46B | 1.35B | 1.2B | 1.04B | 854.3M | 753.55M | 603.45M | 501.26M | 420.94M | 440.85M | 472.55M | 541.54M | 454.21M | 301.27M | 189.27M | 92.84M | 34.24M |
| Accounts Receivables | 10.95M | 10.67M | 10.47M | 9.47M | 7.47M | 5.37M | 9.33M | 5.14M | 11.64M | 10.28M | 10.02M | 5.28M | 3.81M | 4.08M | 3.7M | 6.38M | 5.17M | 0 | 0 | 0 | 2.85M | 1.91M | 797.82K | 264.97K |
| Goodwill & Intangibles | 0 | 5.63M | 5.84M | 0 | 0 | 0 | 0 | 6.8M | 11.64M | 8.97M | 8.3M | 7.41M | 6.82M | 5.79M | 4.16M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 5.63M | 5.84M | 0 | 0 | 0 | 0 | 6.8M | 11.64M | 8.97M | 8.3M | 7.41M | 6.82M | 5.79M | 4.16M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 24.15M | 25.35M | 25.53M | 24.91M | 13.27M | 9.88M | 11.66M | 12.75M | 4.59M | 4.72M | 4.56M | 3.61M | 2.03M | 2.08M | 1.04M | 1.16M | 1.65M | 2.29M | 3.13M | 4M | 2.5M | 679.72K | 803.61K | 999.54K |
| Other Assets | 483.4M | 3.58M | 64.69M | 68.39M | 63.35M | 50.33M | 20.06M | 13.98M | 15.1M | 15.66M | 14.49M | 12.33M | 10.85M | 9.85M | 6.57M | 3.54M | 6.68M | 11.81M | 10.91M | 26.94M | 65.58M | 64.97M | 21.27M | 14.96M |
| Total Current Assets | 35.74M | 196M | 355.61M | 395.13M | 296.37M | 331.85M | 323.96M | 248.93M | 320.91M | 213.63M | 162.81M | 167.08M | 120.99M | 132.05M | 101.95M | 120.41M | 89.04M | 46.26M | 22.2M | 19.59M | 19.21M | 15.76M | 7.41M | 2.95M |
| Total Non-Current Assets | 3.36B | 34.56M | 2.71B | 2.39B | 2.12B | 1.82B | 1.6B | 1.5B | 1.38B | 1.23B | 1.06B | 875.44M | 772.97M | 623.86M | 508.89M | 425.63M | 449.18M | 490.69M | 558.83M | 487.58M | 369.35M | 254.92M | 114.92M | 50.19M |
| Total Assets | 3.4B | 3.28B | 3.06B | 2.79B | 2.42B | 2.15B | 1.92B | 1.75B | 1.7B | 1.44B | 1.23B | 1.04B | 893.96M | 755.91M | 610.84M | 546.05M | 538.23M | 536.95M | 581.03M | 507.16M | 388.57M | 270.68M | 122.33M | 53.15M |
| Asset Growth % | 44.85% | 7.11% | 9.84% | 15.27% | 12.57% | 11.8% | 10.11% | 2.91% | 17.69% | 17.56% | 17.66% | 16.62% | 18.26% | 23.75% | 11.87% | 1.45% | 0.24% | -7.59% | 14.56% | 30.52% | 43.55% | 121.28% | 130.17% | - |
| Return on Assets (ROA) | 1.21% | 1.18% | 0.88% | 1.18% | 1.53% | 1.97% | 0.88% | 1.4% | 1.55% | 1.23% | 1.23% | 1.26% | 1.43% | 3.13% | 1.39% | 0.16% | -3.29% | -2.89% | 0.13% | 0.55% | 0.85% | 1.1% | 1.19% | -1.82% |
| Accounts Payable | 0 | 0 | 0 | 29.01M | 11.8M | 8.87M | 5.76M | 10.2M | 12.98M | 8.53M | 7.82M | 5.04M | 4.71M | 3.58M | 2.38M | 5.08M | 4.63M | 0 | 0 | 0 | 3.7M | 1.6M | 386.88K | 270.14K |
| Total Debt | 68.3M | 71.99M | 33.67M | 59.14M | 26.81M | 17.44M | 88.45M | 29.99M | 30M | 40M | 0 | 0 | 0 | 853K | 853K | 853K | 9.2M | 3.12M | 9.5M | 5M | 0 | 0 | 0 | 0 |
| Net Debt | 43.51M | 46.67M | -165.12M | -183.21M | -120.22M | -185.84M | -105.64M | -116.24M | -132.27M | -33.66M | -69.95M | -76.95M | -67.54M | -70.67M | -60.94M | -110.06M | -74.67M | -43.14M | -12.7M | -14.59M | -16.36M | -13.85M | -6.61M | -2.69M |
| Long-Term Debt | 0 | 53M | 0 | 39M | 20M | 10M | 80M | 20M | 30M | 40M | 0 | 0 | 0 | 853K | 853K | 853K | 9.2M | 3.12M | 9.5M | 5M | 0 | 0 | 0 | 0 |
| Short-Term Debt | 52.63M | 0 | 15M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 2.93B | -71.99M | 50.7M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 889.08K | 3.51M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 52.63M | 1.23B | 2.63B | 2.38B | 2.06B | 1.88B | 1.6B | 1.49B | 1.46B | 1.26B | 1.1B | 944.48M | 807.53M | 677.62M | 540.89M | 486.86M | 474.7M | 481.51M | 508.16M | 463.84M | 353.02M | 238.35M | 105.37M | 37.27M |
| Total Non-Current Liabilities | 2.95B | 0 | 69.37M | 60.01M | 26.81M | 17.44M | 88.45M | 29.99M | 30M | 40M | 1.1B | 0 | 0 | 1.74M | 4.36M | 853K | 9.2M | 3.12M | 9.5M | 5M | 0 | 0 | 0 | 0 |
| Total Liabilities | 3B | 2.89B | 2.7B | 2.44B | 2.08B | 1.89B | 1.69B | 1.52B | 1.49B | 1.3B | 1.1B | 944.48M | 808.23M | 679.36M | 545.25M | 487.71M | 483.9M | 485.11M | 517.66M | 468.84M | 353.02M | 238.35M | 105.37M | 37.27M |
| Total Equity | 396.72M | 390.03M | 363.81M | 348.87M | 335.44M | 256.29M | 233.79M | 226.83M | 210.3M | 142.18M | 127.01M | 98.04M | 86.42M | 76.55M | 65.59M | 58.33M | 54.33M | 52.31M | 63.37M | 38.32M | 35.54M | 32.33M | 16.95M | 15.88M |
| Equity Growth % | 17.41% | 7.2% | 4.28% | 4% | 30.89% | 9.62% | 3.07% | 7.86% | 47.9% | 11.95% | 29.55% | 13.44% | 12.91% | 16.7% | 12.45% | 7.38% | 3.85% | -17.45% | 65.38% | 7.8% | 9.93% | 90.7% | 6.78% | - |
| Equity / Assets (Capital Ratio) | 11.68% | 11.88% | 11.87% | 12.51% | 13.86% | 11.92% | 12.16% | 12.99% | 12.39% | 9.86% | 10.35% | 9.4% | 9.67% | 10.13% | 10.74% | 10.68% | 10.09% | 9.74% | 10.91% | 7.56% | 9.15% | 11.94% | 13.86% | 29.88% |
| Return on Equity (ROE) | 10.43% | 9.94% | 7.24% | 8.97% | 11.83% | 16.37% | 7.02% | 11.03% | 13.79% | 12.19% | 12.44% | 13.21% | 14.5% | 30.09% | 12.97% | 1.49% | -33.14% | -27.9% | 1.42% | 6.71% | 8.29% | 8.76% | 6.35% | -6.1% |
| Book Value per Share | 27.86 | 27.31 | 25.37 | 24.20 | 22.27 | 16.80 | 15.13 | 14.03 | 14.34 | 10.50 | 10.07 | 8.22 | 6.35 | 6.86 | 5.88 | 5.23 | 10.65 | 18.41 | 23.78 | 15.34 | 14.24 | 15.43 | 10.31 | 10.01 |
| Tangible BV per Share | 27.86 | 26.92 | 24.96 | 24.20 | 22.27 | 16.80 | 15.13 | 13.61 | 13.54 | 9.84 | 9.42 | 7.60 | 5.85 | 6.34 | 5.51 | 5.23 | 10.65 | 18.41 | 23.78 | 15.34 | 14.24 | 15.43 | 10.31 | 10.01 |
| Common Stock | 139.41M | 139.26M | 143.19M | 142.56M | 149.63M | 154.99M | 164.14M | 169.22M | 174.37M | 125.43M | 125.09M | 96.07M | 84.23M | 68.7M | 68.7M | 68.7M | 0 | 0 | 0 | 31.16M | 31.55M | 31.16M | 17.91M | 17.88M |
| Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3.3M | 2.94M | 2.44M | 2.36M | 2.42M | 2.28M | 2.15M | 2.12M | 66.72M | 45.57M | 40.16M | 31.98M | 0 | 0 | 0 | 0 |
| Retained Earnings | 193.92M | 186.49M | 160.8M | 146.09M | 127.18M | 101.14M | 67.69M | 57.67M | 37.58M | 15.04M | 0 | 0 | 0 | -1.97M | -22.46M | -29.29M | -28.98M | -9.66M | 7M | 6.29M | 4.02M | 1.21M | -954.13K | -2M |
| Accumulated OCI | -5.75M | -4.86M | -9.32M | -8.92M | -10.51M | 154K | 1.96M | -57K | -4.95M | -1.22M | -531K | -396K | -224K | -825.27K | 351.61K | 123.08K | 81.64K | 59.84K | 33.68K | 49.39K | -24K | -36.67K | 0 | 0 |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 69.14M | 69.14M | 69.14M | 69.14M | 69.14M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8.35M | 16.84M | 16.68M | 16.51M | 16.34M | 16.18M | 0 | 0 | 0 | 0 | 0 |
CRE and SBA concentration
According to recent financial disclosures, PCB Bancorp has grown its total assets from $2.8 billion in 2023Q4 to $3.4 billion by 2026Q1, reflecting a consistent expansion strategy that prioritizes asset generation within its specialized niche markets over passive balance sheet management.
The steady increase in total assets suggests that the bank is successfully executing its LPO-led growth model, effectively capturing market share in its target demographic. This growth appears to be organic, as the bank continues to scale its footprint while maintaining a disciplined approach to asset quality.
As reported in quarterly filings, PCB Bancorp maintains an equity-to-assets ratio of approximately 12% as of 2026Q1, providing a stable capital foundation that appears sufficient to support ongoing loan originations while absorbing potential volatility in its concentrated commercial real estate portfolio.
The bank's capital position remains robust, with the equity-to-assets ratio consistently hovering between 11% and 13% over the last ten quarters. This level of capitalization suggests management is prioritizing long-term solvency and regulatory compliance, which may provide a necessary cushion against cyclical downturns in the SBA and CRE sectors.
Based on the provided balance sheet data, PCB Bancorp's cash and cash equivalents fluctuated significantly, reaching $24.8 million in 2026Q1 from a peak of $369.5 million in 2025Q3, indicating an active management of liquidity to fund loan growth and investment securities purchases.
The variability in cash balances suggests that the bank utilizes its liquid assets as a primary lever to manage funding needs and optimize yield. Investors should monitor whether this liquidity drawdown reflects a strategic shift toward higher-yielding loan assets or a tightening of available funding sources.
Data from recent financial statements reveals that PCB Bancorp holds approximately $3.0 billion in investment securities as of 2026Q1, a figure that represents the vast majority of total assets and warrants further investigation regarding duration risk and potential unrealized losses in the current rate environment.
The heavy reliance on a large securities portfolio relative to total assets suggests that the bank's balance sheet is highly sensitive to interest rate fluctuations. This concentration may imply that the bank is exposed to significant duration risk, which could impact future earnings if market rates remain elevated or volatile.
Quick answers to the most common questions about buying PCB stock.
As of 2025, PCB Bancorp (PCB) had total assets of $3.28B including $196.0M in current assets.
PCB Bancorp (PCB) carries total debt of $72.0M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
PCB Bancorp (PCB) has total shareholders' equity (book value) of $390.0M ($27.31 book value per share). Book value represents the net worth of the company belonging to common stock holders.
PCB Bancorp (PCB) reported a current ratio of 0.16x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.