PCB Bank

FDIC-insured bank with its head office in Los Angeles, California, established in 2003 according to the FDIC.

PCB Bank reported total assets of $3.5 bn at Q2 2026, up 5.0% on a year earlier, the 369th largest of 497 banks in our US coverage. The CET1 capital ratio at PCB Bank was 13.35%, and the uninsured share of PCB Bank was 47.93%. Source: FDIC Call Reports.

Key takeaways

  • On uninsured share of domestic deposits, PCB Bank climbed from 156th to 100th among 500 US banks between and (1 = highest; FDIC Call Reports).
Total assets
$3.5 bn
+5.0% on a year earlier
Rank 369 of 497 1 = highest
CET1 capital ratio
13.35%
+0.12 pp on a year earlier
Rank 205 of 448 1 = highest
Return on equity
11.25%
+1.67 pp on a year earlier
Rank 295 of 500 1 = highest
Uninsured share of deposits
47.93%
+6.49 pp on a year earlier
Rank 100 of 500 1 = highest

What sets PCB Bank apart

How large is PCB Bank?

The balance sheet of PCB Bank at : assets $3.5 bn, deposits $2.9 bn, net loans $2.9 bn (loans equal to 98.86% of deposits). Securities make up 5.3% of total assets at PCB Bank. Since , when PCB Bank held $1.1 bn, its assets grew 217.6%. In the year to , deposits at PCB Bank rose 3.6% while its total assets rose 5.0%. At , PCB Bank employed 274 full-time equivalent staff across 19 offices, about $12.7 mn of assets per employee and $154.4 mn of deposits per office.

How much funding at PCB Bank is uninsured?

At PCB Bank, uninsured deposits (above the FDIC limit) made up 47.93% of domestic deposits at (+6.49 pp on a year earlier); PCB Bank ranks 100th of 500 on this measure. In dollars, PCB Bank estimated $1.4 bn of uninsured deposits.

Key facts, Q2 2026

MetricValueChange from a year earlierUS rank
Total deposits$2.9 bn+3.6%364th of 499
Net loans and leases$2.9 bn+4.7%322nd of 500
Loan-to-deposit ratio98.86%+1.07 pp71st of 500
Tier 1 leverage ratio11.54%+0.05 pp121st of 500
Total risk-based capital ratio14.58%+0.11 pp208th of 448
Net interest margin3.35%+0.04 pp331st of 500
Return on assets (ROA)1.28%+0.19 pp265th of 500
Efficiency ratio48.07%-2.98 pp115th of 500 (1 = lowest)
Unrealized gain/loss on available-for-sale securitiesLoss of $8.8 mnNarrowed by $540,000
Noncurrent loans to total loans0.30%-0.02 pp105th of 500 (1 = lowest)
Net charge-offs to average loans0.00%-0.02 pp80th of 500 (1 = lowest)

US rank of PCB Bank: 1 = highest unless marked 1 = lowest.

Balance sheet

PCB Bank: assets, deposits and loans

USD bn
Total assets, deposits and net loans of PCB Bank each quarter; total assets were $3.5 bn at Q2 2026$742mn$1.5bn$2.2bn$2.9bn$3.6bn20182020202220242026Total assets$3.5bnDeposits$2.9bnNet loans$2.9bnTotal assets, deposits and net loans of PCB Bank each quarter; total assets were $3.5 bn at Q2 2026$742mn$1.7bn$2.7bn$3.6bn20202024
  • Total assets $3.5bn
  • Deposits $2.9bn
  • Net loans $2.9bn
to . FDIC Call Reports.

Capital and securities

The CET1 ratio of PCB Bank stood at 13.35% in , +0.12 pp year on year. Low and high at PCB Bank since : 11.39% () to 17.79% (). Equity capital of PCB Bank at : $388.4 mn, or 11.2% of total assets. PCB Bank also reported a total capital ratio of 14.58% for , and a tier 1 leverage ratio of 11.54%.

The available-for-sale portfolio of PCB Bank showed an unrealized loss of $8.8 mn at ; the loss narrowed by $540,000 over the year.

PCB Bank: capital ratios

Percent
CET1, total risk-based capital and tier 1 leverage ratios of PCB Bank, Q1 2016 to Q2 20268.9%12%14%17%19%20182020202220242026Total capital15%CET113%Tier 1 leverage12%CET1, total risk-based capital and tier 1 leverage ratios of PCB Bank, Q1 2016 to Q2 20268.9%12%16%19%20202024
  • Total capital 15%
  • CET1 13%
  • Tier 1 leverage 12%
to . FDIC Call Reports.

PCB Bank: unrealized securities gains and losses

USD bn
Unrealized gains and losses on available-for-sale and held-to-maturity securities of PCB Bank, Q1 2016 to Q2 2026-$21mn-$14mn-$8mn-$2mn$4mn20182020202220242026Held to maturity$0Available for sale-$9mnUnrealized gains and losses on available-for-sale and held-to-maturity securities of PCB Bank, Q1 2016 to Q2 2026-$21mn-$12mn-$4mn$4mn20202024
  • Available for sale -$9mn
  • Held to maturity $0
to . FDIC Call Reports.

Profitability and loan quality

For the year to , PCB Bank earned a return on equity of 11.25%; return on assets: 1.28%. Net interest margin at PCB Bank: 3.35%, +0.04 pp in a year. PCB Bank net income: $21.6 mn, up 25.0% year on year. The efficiency ratio of PCB Bank was 48.07%: about 48 cents cost per revenue dollar, against 52 cents at the median peer.

At , noncurrent loans were 0.30% of total loans at PCB Bank; net charge-offs: 0.00% of average loans. Gross loans and leases at PCB Bank: $2.9 bn, up 4.7% in a year.

PCB Bank: profitability

Percent, annualized
Return on equity, net interest margin and return on assets of PCB Bank, Q1 2016 to Q2 2026-1.1%4.0%9.1%14%19%20182020202220242026Return on equity11%Net interest margin3.4%Return on assets1.3%Return on equity, net interest margin and return on assets of PCB Bank, Q1 2016 to Q2 2026-1.1%5.7%12%19%20202024
  • Return on equity 11%
  • Net interest margin 3.4%
  • Return on assets 1.3%
to . FDIC Call Reports.

Peer group of PCB Bank

The peer group of PCB Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 5 share the charter type of PCB Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in California. Against them, PCB Bank shows CET1 ratio 13.35% against a peer median of 12.63%, return on equity 11.25% against a peer median of 15.02% and uninsured deposit share 47.93% against a peer median of 34.72%.

BankCharterStateTotal assetsCET1 ratioReturn on equityUninsured share
Cache Valley BankState nonmember bankUT$3.5 bn12.04%19.39%54.41%
Ponce BankNational bankNY$3.5 bn17.87%7.44%20.09%
Banco do Brasil AmericasState nonmember bankFL$3.5 bn23.30%14.52%30.51%
PCB BankState nonmember bankCA$3.5 bn13.35%11.25%47.93%
Bankwell BankState nonmember bankCT$3.5 bn11.67%15.51%39.67%
First Carolina BankState nonmember bankNC$3.4 bn12.88%6.19%17.72%
Northrim BankState nonmember bankAK$3.4 bn12.38%17.64%38.94%

. FDIC Call Reports.

Last eight quarters

Two years at PCB Bank, to : assets +20.0%, deposits +18.9%, equity +9.8%. Staff 264 to 274; offices 16 to 19.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026
Total assets$2.9 bn$3.1 bn$3.2 bn$3.3 bn$3.4 bn$3.3 bn$3.4 bn$3.5 bn
Total deposits$2.5 bn$2.6 bn$2.7 bn$2.8 bn$2.9 bn$2.8 bn$2.9 bn$2.9 bn
Bank equity capital$353.7 mn$355.0 mn$361.0 mn$366.1 mn$373.6 mn$378.5 mn$384.9 mn$388.4 mn
CET1 ratio14.33%13.72%13.42%13.23%13.61%13.49%13.46%13.35%
Return on equity (ROE)7.48%7.66%8.86%9.58%10.60%10.46%11.37%11.25%
Uninsured share of domestic deposits42.58%39.80%41.64%41.45%43.95%45.64%47.42%47.93%
Full-time equivalent employees264262257266270264264274
Number of offices1616171919191919

FDIC Call Reports.

Mergers and acquisitions

No merger or acquisition by PCB Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.

Questions and identifiers

What were the total assets of PCB Bank?

PCB Bank reported $3.5 bn at in its Call Report. That makes PCB Bank the 369th largest of 497 banks in our US coverage.

Is PCB Bank the same as its holding company?

No. This page covers PCB Bank, FDIC certificate 57463; PCB BCORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.

Is PCB Bank profitable?

PCB Bank reported net income of $21.6 mn for the year to ; annualized return on equity: 11.25%. So yes: PCB Bank made a profit over these months.

When is data for PCB Bank next updated?

Figures from PCB Bank for are due after .

Where can I check the figures for PCB Bank?

In the FDIC BankFind Suite record for certificate 57463, and in the Call Reports of PCB Bank (RSSD ID 3212402) at the FFIEC Central Data Repository.