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PCB Bank

$1B-$10B Specialty: Commercial CA FDIC cert 57463

Designations: ✓ Minority Depository Institution

Los Angeles, CA

19 branches across CA · NJ · TX · GA · NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
  • Deposits +3.6% year over year ($2.9B on the books).
  • Delinquency rate 0.30%.
  • Return on assets 1.28%.
  • Efficiency ratio 48.07% vs a 59.73% peer average.
  • Loan-to-deposit ratio 98.86% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in CA
View $1B-$10B leaderboard (CA) →

PCB Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 11.65% below tier average
  • + Delinquency Rate 0.57% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 43.5% in tier
  • - ROA 0.11% below tier average
  • - Net Interest Margin 0.52% below tier average
Get updates when PCB Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $3.5B
+5.0% YoY +2.2% QoQ
+$675.8M $2.8B
-0.6% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
76%
Total Loans ? $2.9B
+4.7% YoY +2.0% QoQ
+$937.0M $2.0B
-0.3% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
81%
Total Deposits ? $2.9B
+3.6% YoY +1.2% QoQ
+$614.8M $2.3B
-0.5% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
77%
Return on Assets ? 1.28%
+17.6% YoY -1.8% QoQ
-0.11% 1.39%
+17.0% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
52%
Net Interest Margin ? 3.35%
+1.3% YoY +0.0% QoQ
-0.52% 3.87%
+6.2% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
28%
Efficiency Ratio ? 48.07%
-5.8% YoY -0.0% QoQ
-11.65% 59.73%
-12.6% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
82%
Delinquency Rate ? 0.30%
-6.8% YoY -7.8% QoQ
-0.57% 0.87%
+11.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
68%
Loan-to-Deposit Ratio ? 98.86%
+1.1% YoY +0.8% QoQ
+13.82% 85.04%
-0.1% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
17%
Non-Interest-Bearing Deposit Share ? 19.78%
-4.3% YoY -1.3% QoQ
-1.49% 21.27%
-1.5% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
50%
Nonperforming Asset Ratio ? 0.25%
-7.0% YoY -8.0% QoQ
-0.42% 0.67%
+11.7% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
67%
Tier 1 Capital Ratio ? 13.35%
+0.9% YoY -0.9% QoQ
-1.49% 14.84%
-0.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
54%
Non-Interest Income / Assets ? 0.19%
+4.7% YoY +90.7% QoQ
-0.34% 0.53%
+2.5% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
28%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 19.8%
-0.9pp YoY
-0.3pp QoQ
 -1.6pp 21.4% 25.5% 22.2% 50%
Brokered Deposits 8.4%
-6.8pp YoY
-0.5pp QoQ
 -1.1pp 9.5% 11.0% 8.5% 63%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 11.3%
+0.1pp YoY
+0.4pp QoQ
 -2.7pp 14.0% 11.8% 12.5% 50%
CRE 69.8%
+2.0pp YoY
+1.4pp QoQ
 +19.8pp 50.0% 67.5% 41.4% 87%
1-4 Family 15.5%
-0.6pp YoY
-0.1pp QoQ
 -10.9pp 26.4% 16.5% 31.3% 32%
Consumer 0.2%
-0.1pp YoY
0.0pp QoQ
 -4.5pp 4.7% 5.3% 5.0% 19%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 13.3%
+0.1pp YoY
-0.1pp QoQ
 -2.2pp 15.6% 23.7% 19.7% 47%
Leverage Ratio 11.5%
0.0pp YoY
-0.2pp QoQ
 +0.2pp 11.3% 14.5% 12.6% 70%
Total Capital Ratio 14.6%
+0.1pp YoY
-0.1pp QoQ
 -2.1pp 16.7% 25.1% 20.8% 48%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 274
+8 (+3.0%) YoY
+10 (+3.8%) QoQ
 -40 313 337 482 60%
Assets per Employee ($) $12.7M
+1.9% YoY
-1.6% QoQ
 +$2.2M $10.5M $11.3M $8.8M 82%
Branch Count 19
0 YoY
0 QoQ
 -1 20 15 18 63%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.3% 0.4% n/a
Nonaccrual 0.3%
0.0pp YoY
0.0pp QoQ
 -0.5pp 0.8% 1.4% 1.0% 32%
Allowance Coverage 3.98x
+6.0% YoY
+8.9% QoQ
 -14.73x 18.71x 17.11x 20.23x 72%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.2% 24%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 11.2%
+1.7pp YoY
-0.1pp QoQ
 -1.3pp 12.6% 8.2% 11.6% 43%
Cost of Funds (YTD) 2.8%
-0.3pp YoY
0.0pp QoQ
 +0.8pp 1.9% 1.9% 1.7% 91%
Net Income ($, YTD) $21.6M
+25.0% YoY
— QoQ
 +$2.3M $19.2M $28.5M $40.4M 72%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk
#158 of 361 • Bottom 43.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 98.86%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

163
Efficiency Ratio
profitability
Value: 48.07%
Peer Median: 59.73%
#163 of 885 Top 18.3% in $1B-$10B
167
Total Loans
size
Value: $2.90B
Peer Median: $1.96B
#167 of 885 Top 18.8% in $1B-$10B
208
Total Deposits
size
Value: $2.93B
Peer Median: $2.32B
#208 of 885 Top 23.4% in $1B-$10B
214
Total Assets
size
Value: $3.47B
Peer Median: $2.79B
#214 of 885 Top 24.1% in $1B-$10B

Top Weaknesses (1 metrics)

733
Loan-to-Deposit Ratio
liquidity
Value: 98.86%
Peer Median: 85.04%
#733 of 885 Bottom 17.3% in $1B-$10B
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