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PCB Bank
Los Angeles, CA·FDIC Cert #57463·Charter: STATE·Est. 20030918.0·HC: PCB BCORP
Total Assets
$3.3B
Q4 2025
Return on Assets
1.18%
-0.01%Peer avg: 1.26%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
50.03%
Peer avg: 57.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.18%-0.01
ROE
10.46%-0.14
Efficiency
50.03%+0.15
Equity/Assets
0.00%+0.00
NPL Ratio
0.28%-0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
99.76%+6.40
Charge-offs
0.03%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.8 | 0.9 | 0.9 | 1.0 | 1.1 | 1.2 | 1.2 |
| ROE | 5.7 | 6.6 | 7.5 | 7.7 | 8.9 | 9.6 | 10.6 | 10.5 |
| Efficiency | 67.3 | 64.3 | 61.7 | 59.1 | 52.9 | 51.1 | 49.9 | 50.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.3 | 0.3 | 0.2 | 0.2 | 0.3 | 0.3 | 0.3 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 98.4 | 100.4 | 99.0 | 99.3 | 99.4 | 97.8 | 93.4 | 99.8 |
Balance Sheet
Total Assets$3.3B
Total Deposits$2.8B
Total Loans$2.8B
Total Equity$378.5M
Profitability
ROA1.18%
ROE10.46%
Efficiency Ratio50.03%
Net Income$38.4M
Risk & Asset Quality
NPL Ratio0.28%
Charge-off Rate0.03%
Loan/Deposit99.76%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans