# PCB BANK
LOS ANGELES, CA · FDIC certificate 57463 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.47B | |
| Deposits | $2.93B | |
| Loans and leases | $2.93B | |
| Total equity | $388.4M | |
| Loans / deposits | 98.86% (p83 of band) | 87.10% |
| Liquid assets / assets | 12.96% (p14 of band) | |
| Uninsured deposits / deposits | 47.93% (p89 of band) | 30.76% |
| Brokered deposits | 7.09% | |
| Wholesale funding | 9.68% (p63 of band) | |
| FHLB advances / assets | 2.31% | |
| Tier 1 leverage | 11.54% (p70 of band) | 10.50% |
| Unrealized securities loss / equity | -2.28% (p79 of band) | -7.75% |
| AOCI / equity | -0.33% (p48 of band) | |
| ROA (annualized) | 1.28% (p52 of band) | 1.26% |
| Net interest margin | 3.35% (p29 of band) | 3.70% |
| Efficiency ratio | 48.07% (p19 of band) | |
| Noncurrent loans | 0.30% (p33 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 398.37% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 6.08% (p8 of band) | |
| Auto loans | $2.5M (0.08% of loans; DQ 0.84%, NCO 0.00%) | |
| Loans to nondepository financials | $125.9M (32% of equity) (p95 of band) | |
| Deposits YoY | 3.6% | |
| Employees | 274 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, charge-offs p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | losing money |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | charge-offs p90 |
| 2012-09 | 1 | charge-offs p90 |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | charge-offs p90 |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | capital falling |  |
| 2023-03 | 1 |  | uninsured deposits >50%, run vulnerability |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | brokered >10% |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 | loans exceed deposits | brokered >10% |
| 2024-09 | 1 | brokered >10% | capital falling, loans exceed deposits |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 0 |  | brokered >10%, capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-17 [PCB Bank Launches 2026 Brand Campaign, "To a World of Possibilities - That's PCBility" - PR Newswire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPRmZ0Qzc2UEk3T29Ud3RickY3a2cyU055MFpPaEs0Y2NESllUU1ZjU1U1elV2MzVMdzN4cmZXMVVyb1ZndjlnUmtEbUZmbURuLXBkclBYTTYyMzlxbDVYV2E5RkhONzlJeHBzX2tXV0xybUtlcUFCTmYwcHc0X21EdFRWUGJsX1ZmNkJTWlZoenR2azVvOU5BSXczMThGZGpMY3FBZm5YX21Cekx6N3ZybFBXT1RILWZ0VUw2MW91T3VrNFlHcUZhVXFEejlibHliaGtycg?oc=5) · PR Newswire
- 2026-07-23 [PCB Bancorp Reports Earnings for Q2 2026 - Business Wire](https://news.google.com/rss/articles/CBMingFBVV95cUxOODZnVWxhbWJDZXRuaGZ5ZTNnc0tYNDJidjNLZUlVTFdnb25QWUg0M21zUnh0alI5NjFFT0tHMVBQY2EyUHQteFJXY1V1aDctSU1KWHFUczZsdDYxWUtKX3ZGM0RqYUFocUI2cmZaSWc2emp3VmJaVVh6UVZObUdmbTVYdmlPMHJqUkRNZ3FTYmNGLVgzTWg3NEFRT2w5UQ?oc=5) · Business Wire
- 2025-08-12 [Korean-American Banks Continue Asset and Scale Growth… Bank of Hope and Hanmi Rank in - 미주한국일보](https://news.google.com/rss/articles/CBMiX0FVX3lxTFB5di1ndXBXVjVfdW5uTWxYT1BRcTQ2LVFYWUZCYWlETXRPWmhKVjBVRVdqUk1zN1NJa0V1ZFFDczRGd2ZRcVhoMVNDbWhnZXdFbzR2MEhLaHlhUHlfakZN?oc=5) · 미주한국일보
- 2026-08-08 [PCB Bancorp (NASDAQ: PCB) Share Price, PCB Stock News, PCB Share Price & Updates - kalkine.ca](https://news.google.com/rss/articles/CBMiT0FVX3lxTE03OTlVVjVGU3lhX3pnNlJzSlo2Y280cjNLRVFwQzJ2bi1iSDdGczlqSmowT1U3NGJsd3VwS3d4UkVXR3ZNeW5feGdjR1E0cTg?oc=5) · kalkine.ca
- 2025-04-29 [PCB Bank Launches 8th Annual Scholarship Program - The Korea Daily](https://news.google.com/rss/articles/CBMigAFBVV95cUxPWHd6TjJETmY5Wk95VzM0OHh5eERTaHpzb2h1S1BPX0pnTmdLUjJtSDE1SGxncFBQbjMwbFdabWtNTkxRcHp0X3V0dFU2YnpPX0xDX3NncXlleW9VOFl1cnZjMDdvQkc4ZUdwTmcyaWo4LUEzNktPQTRxbUZjVjlWVw?oc=5) · The Korea Daily
- 2025-07-15 [“Targeting Korean Companies”: Korean-American Banks Compete for Business - 미주한국일보](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5FLVB5ejlQSVZYRkpVTWxzWG1abG1CdnR2X2hyVV9qTDE3SzJoWUxZODVGREdSaTRCcFFZSlVJSV9acTYxNEsxMEdsVUNUMEotNnVVSHlDNDBBYXlBblA4?oc=5) · 미주한국일보

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57463 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/55.json (key "57463", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide