PCB Bancorp reports Q2 EPS 62c, consensus 56c

Net interest income was $26.0 million for the current quarter compared with $24.3 million for the previous quarter and $21.7 million for the year-ago quarter. Net interest margin was 3.33% for the current quarter compared with 3.28% for the previous quarter and 3.16% for the year-ago quarter; Reports book value per share $26.26. Reports Common Tier 1 capital ratio 11.14%. “We are pleased with our second quarter results highlighted by strong net income growth, continued healthy increases in loan and deposit balances, expansion in net interest margin, and the establishment of our first full-service branch in the state of Georgia as part of our long-term strategy,” said Henry Kim, President and CEO. “Certain industries across our footprint are feeling the effects of persistent inflation and ongoing uncertainty surrounding tariffs and trade restrictions. Despite this backdrop, we continue to experience solid organic growth, strong credit metrics, solid reserve for loan losses, and robust capital level.Heading into the second half of 2025, we are encouraged by the positive momentum in our balance sheet growth, disciplined expense management, and results of our continued emphasis on relationship banking. We remain dedicated to operating under the best interest of our clients, communities, employees, and shareholders, while delivering consistent results through unpredictable economic cycles and changing competitive landscape.”