PCB Bank
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Data as of · sourced from FFIEC call reports. How we update
PCB Bank is an FDIC-insured commercial bank headquartered in Los Angeles, CA, established in 2003 (FDIC certificate 57463), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.47B, up 5.0% from Q2 2025, the 31st largest of 113 banks headquartered in California. Its CET1 capital ratio was 13.35% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57463
- Headquarters
- Los Angeles, CA
- Established
- 2003
- Total assets, Q2 2026
- $3.47B
- Assets vs Q2 2025
- +5.0%
- CET1 ratio, Q2 2026
- 13.35%
- Domestic offices
- 19 FDIC institution directory, current count
- Routing number
- 122043602
- Latest call report
- Q2 2026, FFIEC 041 · PCB Bank call report
- Holding company
- PCB BANCORP
- Asset rank in state
- 31st of 113 in California
PCB Bank pays more for its money than most banks of its size. Based in Los Angeles, California, it had $3.5 billion in assets at June 30, 2026, up 5.0% from a year earlier. It pays an average of 3.02% on its deposits and borrowings, higher than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 2.01%). It also holds commercial real estate loans worth 3.2 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
Net income for the quarter rose 15% from a year earlier, to $11 million.
As of June 30, 2026, PCB Bank reported a CET1 capital ratio of 13.35%, a return on assets of 1.26%, a nonperforming-loan ratio of 0.30% and a Texas ratio of 2.06%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, PCB Bank is the 31st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.2% to $3.47B, loans rose 2.0% and deposits rose 1.2%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 36.5% of total loans, followed by owner-occupied commercial real estate loans at 24.5%. Its 19 offices in the FDIC Summary of Deposits are in 12 cities across 5 states; its Los Angeles 6 offices book 48% of its branch deposits. On its Q2 2026 call report, PCB Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3701 Wilshire Blvd, Los Angeles, CA 90010
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- September 18, 2003
- Former names
- Pacific City Bank (2015-2022)
- Domestic offices
- 19 FDIC institution directory, current count
- Employees (FTE)
- 274
- Domestic deposits
- $2.93B
- Allowance for credit losses
- $34.7M
- Net charge-offs (YTD)
- $59K
- Average total assets
- $3.41B
- Average total loans
- $2.89B
- Average interest-bearing deposits
- $2.33B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- September 18, 2003
- FDIC Cert
- 57463
- Fed RSSD
- 3212402
- SEC CIK
- 1423869 → filed by PCB BANCORP
- Website
- www.mypcbbank.com →
- Parent Holding Company
- PCB BANCORP (RSSD 3595084) · PCB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Henry Kim | CEO | PRESIDENT, CEO & DIRECTOR |
| Timothy Chang | CFO | EVP & CHIEF FINANCIAL OFFICER |
| Brian Bang | CCO | EVP & CHIEF CREDIT OFFICER |
| Andrew Chung | CRO | EVP & CHIEF RISK OFFICER |
| John Aragon | CIO | EVP&CHIEF INFORMATION OFFICER |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, PCB Bank's total assets ran between $2.57B (Q3 2023) and $3.47B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.47B total assets against $3.30B; $3.08B total liabilities against $2.94B.
$2.90B net loans and leases against $2.77B; $2.93B total deposits against $2.83B.
$184.3M securities against $154.6M; $265.2M cash and balances due against $263.6M.
$50.0M total interest income against $49.3M; $22.5M total interest expense against $23.3M.
$27.5M net interest income against $26.0M.
$3.1M total noninterest income against $3.3M; $14.7M total noninterest expense against $14.5M.
$925K provision for credit losses against $1.8M.
$10.7M net income against $9.3M.
1.26% return on assets against 1.16%; 3.31% net interest margin against 3.31%.
13.35% CET1 capital ratio against 13.23%; 11.54% tier 1 leverage ratio against 11.50%.
Inside the full PCB Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
PCB Bank rankings
Its closest position to the top of a national ranking is 368 of 4,196, for total assets; its furthest is 2,241 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.97% (Q4 2024) to 1.39% (Q3 2025) and its net interest margin ran from 3.19% (Q4 2024) to 3.31% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.35% | 1.26% | 0.30% | 2.06% | 3.31% |
| Q1 2026 | 13.46% | 1.30% | 0.32% | 2.22% | 3.31% |
| Q4 2025 | 13.49% | 1.14% | 0.28% | 1.92% | 3.30% |
| Q3 2025 | 13.61% | 1.39% | 0.30% | 2.01% | 3.30% |
| Q2 2025 | 13.23% | 1.16% | 0.32% | 2.24% | 3.31% |
| Q1 2025 | 13.42% | 1.02% | 0.23% | 1.59% | 3.22% |
| Q4 2024 | 13.72% | 0.97% | 0.18% | 1.22% | 3.19% |
| Q3 2024 | 14.33% | 1.11% | 0.27% | 1.85% | 3.26% |
Swipe the table sideways to see every column.
Branch Network
View all 19 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| PCB Bank (main office) | Los Angeles , CA | 90010 | $688.4M |
| Downtown Fashion District Branch | Los Angeles , CA | 90021 | $300.4M |
| Fullerton Branch | Buena Park , CA | 90621 | $287.2M |
| Olympic Branch | Los Angeles , CA | 90006 | $271.9M |
| Rowland Heights Branch | Rowland Heights , CA | 91748 | $249.7M |
| Torrance Branch | Torrance , CA | 90503 | $205.1M |
| Irvine Branch | Irvine , CA | 92602 | $196.3M |
| Cerritos Office | Artesia , CA | 90701 | $172.7M |
| Pcb Bank Western Branch | Los Angeles , CA | 90006 | $144.2M |
| Englewood Cliffs Branch | Englewood Cliffs , NJ | 07632 | $120.8M |
| Bayside Office | Bayside , NY | 11361 | $99.4M |
| Dallas Branch | Dallas , TX | 75229 | $77.9M |
| Pcb Bank Suwanee Branch | Suwanee , GA | 30024 | $54.4M |
| Palisades Park Office Branch | Palisades Park , NJ | 07650 | $36.3M |
| Carrollton Office Branch | Carrollton , TX | 75007 | $28.9M |
| Little Tokyo Branch | Los Angeles , CA | 90013 | $0 |
| Western Office | Los Angeles , CA | 90020 | $0 |
| Irvine Branch | Irvine , CA | 92620 | $0 |
| Buena Park Office | Buena Park , CA | 90621 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in CA, rank 56 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 157 applications, 138 loans originated, $118.3M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 119 loans, $134.8M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about PCB Bank
What are PCB Bank's total assets?
As of the Q2 2026 filing, PCB Bank reported total assets of $3.47 billion in its FFIEC call report.
Where is PCB Bank headquartered?
It is headquartered in Los Angeles, CA, United States.
When was PCB Bank founded?
It was established in 2003, per the FDIC institution directory.
Is PCB Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57463). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates PCB Bank?
PCB Bank's primary federal regulator is the FDIC.
What is PCB Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.35% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does PCB Bank operate?
It operates 19 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is PCB Bank's Texas Ratio?
Its Texas Ratio is 2.06% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was PCB Bank previously called?
The charter now named PCB Bank has also operated as Pacific City Bank (2015-2022), per FDIC structure-change records.
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