Pcb Bancorp · NASDAQ:PCB
Pcb Bancorp — Q3 2026 Earnings Presentation
19 slides from Pcb Bancorp's earnings presentation, Oct 29, 2026
Slide 1: 3Q26 Earnings Results
3Q26 Earnings Results October 29, 2026
Slide 2: Forward-Looking Statements & Non-GAAP
Forward-Looking Statements & Non-GAAP 2 Cautionary Note Regarding Forward-Looking Statements This presentation contains forward-looking statements. These forward-looking statements represent plans, estimates, objectives, goals, guidelines, expectations, intentions, projections and statements of our
Slide 3: Corporate Profile
Corporate Profile $28.98 Stock Price $407MM Market Cap $20.78-$30.84 52-Week Range 3.04% Dividend Yield PCB FootprintMarket Information (October 27, 2026) ❖ Founded in 2003 & Headquartered in Los Angeles ❖ 15 full-service branches & loan originators in 6 states 3 Shares Outstanding: 14,056,981
Slide 4: Historical Performance
$0.44 $0.60 $0.69 $0.72 $0.80 $0.66$2.62 $2.31 $2.12 $1.74 $2.58 $2.33 $17.24 $22.94 $24.46 $25.30 $27.41 $28.61 $18.21 $19.62 $20.49 $22.55 $23.69 $(5.00) $- $5.00 $10.00 $15.00 $20.00 $25.00 $- $0.50 $1.00 $1.50 $2.00 $2.50 $3.00 $3.50 $4.00 $4.50 2021 2022 2023 2024 2025 09/26 YTD Cash Dividend/D
Slide 5: 3Q26 Highlights
3Q26 Highlights 5 Operating Results • Net income available to common shareholders: $12.1 million ($0.85 per diluted share) • Return on Average Assets (“ROAA”): 1.38% • Return on Average Equity (“ROAE”): 12.03% • Return on Average TCE (“ROATCE”)(2): 14.42% • Net interest margin: 3.35% • Efficiency ra
Slide 6: Selected Financials
Selected Financials 6 (1) Not presented in accordance with GAAP. See “Non-GAAP Financial Measures” for reconciliations of these measures to their most comparable GAAP measures. (2) Annualized. (3) Calculated by dividing noninterest expense by the sum of net interest income and noninterest income. As
Slide 7: Loan Overview
Loan Overview 7 $1,752 $1,815 $1,886 $1,878 $1,904 $1,953 $2,038 $1,976 $473 $495 $493 $465 $509 $521 $495 $449 $404 $418 $416 $410 $408 $399 $399 $420 $2,629 $2,728 $2,795 $2,753 $2,820 $2,874 $2,932 $2,845 - 500 1,000 1,500 2,000 2,500 3,000 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26
Slide 8: Loan Production & Rate/Yield Analysis
Loan Production & Rate/Yield Analysis 8 $28 $44 $5 $23 $39 $30 $14 $80 $62 $55 $41 $48 $45 $71 $57 $122 $72 $50 $91 $91 $58 $66 $85 $211 $161 $149 $137 $161 $142 $167 $157 7.23% 7.04% 6.97% 7.36% 6.50% 6.35% 6.32% 6.45% -8% -6% -4% -2% 0% 2% 4% 6% 8% 0 50 100 150 200 250 300 4Q24 1Q25 2Q25 3Q25 4Q25
Slide 9: Loan Concentration
Loan Concentration 9 Amount % to Total Count WA LTV(1) WA Rate Maturing ($ in thousands) 1 Year or Less 1 to 3 Years 3 to 5 Years Over 5 Years Retail (More Than 50%) $ 446,040 22.7% 346 47.8% 6.04% $ 42,728 $ 91,478 $ 162,606 $ 149,228 Industrial 295,719 15.0% 168 48.3% 6.08% 34,575 57,210 125,644 7
Slide 10: Loan Concentration
Loan Concentration 10 Carrying Value % to Total WA Rate WA Month to Maturity($ in thousands) General Manufacturing & Wholesale Trade $ 109,018 24.3% 6.85% 38 Finance & Insurance 105,142 23.4% 6.44% 6 Food Services 59,677 13.3% 7.52% 32 Real Estate Related 54,961 12.2% 6.91% 14 Retail Trade 54,529 12
Slide 11: Credit Quality & Peer Comparison
Credit Quality & Peer(1) Comparison 11 $4.7 $6.2 $8.9 $8.2 $7.9 $9.3 $8.7 $12.3 0 1 2 3 4 5 6 7 8 9 10 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 NPAs ($mm) 0.15% 0.20% 0.27% 0.24% 0.24% 0.27% 0.25% 0.35% 0% 0% 0% 0% 0% 0% 0% 0% 0% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26
Slide 12: Deposits
Deposits 12 $548 $564 $576 $551 $566 $570 $569 $580 $467 $513 $551 $669 $676 $681 $707 $816 $1,099 $1,185 $1,205 $1,252 $1,223 $1,260 $1,281 $1,315 $502 $452 $491 $441 $341 $376 $366 $366 $2,616 $2,714 $2,823 $2,914 $2,795 $2,888 $2,923 $3,077 - 500 1,000 1,500 2,000 2,500 3,000 3,500 Dec-24 Mar-25
Slide 13: Profitability
Profitability 13 $7.0 $7.7 $9.1 $11.4 $9.2 $10.7 $10.5 $12.2 $12.3 $12.4 $14.5 $15.5 $14.1 $15.4 $15.6 $16.3 0 2 4 6 8 10 12 14 16 18 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Net Income PTPP $0.46 $0.53 $0.62 $0.78 $0.64 $0.74 $0.73 $0.85 $0.83 $0.85 $1.00 $1.07 $0.98 $1.07 $1.09 $1.15 $- $0.20 $0.40
Slide 14: Noninterest Income & Expense
Noninterest Income & Expense 14 $24.5 $16.6 $26.9 $29.0 $13.2 $21.8 $17.1 $23.0 $39.3 $26.4 $31.0 $38.8 $18.1 $13.4 $21.3 $35.7 7.8% 7.3% 6.5% 6.4% 5.8% 7.2% 8.4% 7.8% 4.7% 5.3% 5.4% 5.6% 4.9% 6.5% 7.1% 7.1% -10% -8% -6% -4% -2% 0% 2% 4% 6% 8% 10% 0 10 20 30 40 50 60 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q
Slide 15: Net Interest Margin
Net Interest Margin 15 3.33% 3.39% + 0.15% + 0.14% - 0.13% - 0.09% 2.40% 2.60% 2.80% 3.00% 3.20% 3.40% 3.60% 2Q26 Loan Yield Other Earning Assets Yield Int-Bearing Liabilities Cost Balance Sheet Mix 3Q26 Quarter - over - Quarter Impact to Net Interest Margin (1) 6.63% 6.59% 6.56% 6.58% 6.44% 6.35% 6
Slide 16: Capital
Capital 16 11.77% 11.98% 14.39% 15.63% 11.42% 13.96% 13.96% 15.20% 5.00% 6.50% 8.00% 10.00% 0% 2% 4% 6% 8% 10% 12% 14% 16% 18% 20% Tier 1 Leverage CET 1 Capital Tier 1 Capital Total Capital Regulatory Capital Ratios Consolidated Bank Minimum Requirement For Well-Capitalized $25.30 $25.78 $26.26 $26.
Slide 17: Non-GAAP Financial Measures
Non-GAAP Financial Measures 17 To supplement the financial information presented in accordance with GAAP, we use certain non-GAAP financial measures. Management believes the non-GAAP measures enhance investors’ understanding of the Company’s business and performance. These measures are also useful i
Slide 18: Non-GAAP Financial Measures
Non-GAAP Financial Measures 18 The following table reconciles core deposits to its most comparable GAAP measure: The following table reconciles ROATCE to its most comparable GAAP measure: The following table reconciles TCE per share and TCE to total assets to their most comparable GAAP measures: ($
Slide 19: Non-GAAP Financial Measures
Non-GAAP Financial Measures 19 The following table reconciles PTPP income, and adjusted ROAA, ROAE and diluted EPS for PTPP to their most comparable GAAP: measures:($ in thousands) 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Net Income (a) $ 7,030 $ 7,735 $ 9,071 $ 11,412 $ 9,235 $ 10,653 $ 10,507 $ 12,