Call reports 2025
PCB BANK — 2025
What PCB BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 3,182,682,000 | 3,304,544,000 | 3,362,429,000 | 3,280,733,000 |
| Total loans | 2,739,711,000 | 2,803,441,000 | 2,762,148,000 | 2,832,478,000 |
| Allowance for loan losses | 31,942,000 | 33,554,000 | 32,960,000 | 33,381,000 |
| Securities available for sale | 148,190,000 | 154,620,000 | 150,279,000 | 160,009,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,723,247,000 | 2,832,386,000 | 2,923,472,000 | 2,805,961,000 |
| Interest-bearing deposits | 2,149,992,000 | 2,247,010,000 | 2,362,190,000 | 2,239,767,000 |
| Noninterest-bearing deposits | 573,255,000 | 585,376,000 | 561,282,000 | 566,194,000 |
| Equity capital | 361,028,000 | 366,089,000 | 373,561,000 | 378,457,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 46,892,000 | 96,200,000 | 147,671,000 | 197,536,000 |
| Interest expense | 22,609,000 | 45,927,000 | 70,420,000 | 93,658,000 |
| Net interest income | 24,283,000 | 50,273,000 | 77,251,000 | 103,878,000 |
| Noninterest income | 2,580,000 | 5,877,000 | 9,220,000 | 11,705,000 |
| Noninterest expense | 14,209,000 | 28,666,000 | 43,131,000 | 57,830,000 |
| Provision for loan losses | 1,591,000 | 3,312,000 | 2,884,000 | 3,675,000 |
| Pretax income | 11,056,000 | 24,100,000 | 40,336,000 | 53,726,000 |
| Income tax | 3,126,000 | 6,824,000 | 11,393,000 | 15,348,000 |
| Net income | 7,930,000 | 17,276,000 | 28,943,000 | 38,378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 367,564,000 | 372,004,000 | 378,284,000 | 382,620,000 |
| Total capital | 400,704,000 | 406,821,000 | 412,554,000 | 417,545,000 |
| Risk-weighted assets | 2,738,742,000 | 2,810,924,000 | 2,778,585,000 | 2,835,907,000 |