Regulatory Matters (Tables)

3 Months Ended

Mar. 31, 2025

The following table presents the regulatory capital amounts and ratios for the Company and the Bank as of dates indicated:


	Actual				Minimum Capital Adequacy Requirement				To Be Well Capitalized Under Prompt Corrective Provisions
($ in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
March 31, 2025
PCB Bancorp
Common tier 1 capital (to risk-weighted assets)	$	344,037	12.52	%	$	123,614	4.5	%	N/A		N/A
Total capital (to risk-weighted assets)	446,318		16.25	%	219,758		8.0	%	N/A		N/A
Tier 1 capital (to risk-weighted assets)	413,178		15.04	%	164,818		6.0	%	N/A		N/A
Tier 1 capital (to average assets)	413,178		13.16	%	125,571		4.0	%	N/A		N/A
PCB Bank
Common tier 1 capital (to risk-weighted assets)	$	367,564	13.42	%	$	123,243	4.5	%	$	178,018	6.5	%
Total capital (to risk-weighted assets)	400,704		14.63	%	219,099		8.0	%	273,874		10.0	%
Tier 1 capital (to risk-weighted assets)	367,564		13.42	%	164,325		6.0	%	219,099		8.0	%
Tier 1 capital (to average assets)	367,564		11.82	%	124,356		4.0	%	155,445		5.0	%
December 31, 2024
PCB Bancorp
Common tier 1 capital (to risk-weighted assets)	$	303,423	11.44	%	$	119,387	4.5	%	N/A		N/A
Total capital (to risk-weighted assets)	404,383		15.24	%	212,243		8.0	%	N/A		N/A
Tier 1 capital (to risk-weighted assets)	372,564		14.04	%	159,182		6.0	%	N/A		N/A
Tier 1 capital (to average assets)	372,564		12.45	%	119,666		4.0	%	N/A		N/A
PCB Bank
Common tier 1 capital (to risk-weighted assets)	$	363,786	13.72	%	$	119,340	4.5	%	$	172,380	6.5	%
Total capital (to risk-weighted assets)	395,606		14.92	%	212,160		8.0	%	265,200		10.0	%
Tier 1 capital (to risk-weighted assets)	363,786		13.72	%	159,120		6.0	%	212,160		8.0	%
Tier 1 capital (to average assets)	363,786		12.16	%	119,636		4.0	%	149,545		5.0	%

PCB BANCORP 10-Q