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PCB • CIK 0001423869
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Fee Income, Loans and Leases | $136,029 | $164,301 | $180,345 | $182,211 |
| Interest Income, Securities, Operating, Tax Exempt | $126 | $102 | $87 | $88 |
| Interest Income, Securities, Operating, Taxable | $4,553 | $5,226 | $5,773 | $6,271 |
| Interest Income (Expense), Net | $88,504 | $88,617 | $103,878 | $107,909 |
| Other Interest and Dividend Income | $10,469 | $11,188 | $11,331 | $11,637 |
| Interest and Dividend Income, Operating | $151,177 | $180,817 | $197,536 | $200,207 |
| Interest Income (Expense), after Provision for Loan Loss | $88,636 | $85,216 | $99,850 | $105,873 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $43,262 | $36,286 | $52,488 | $58,587 |
| Income Tax Expense (Benefit) | $12,557 | $10,476 | $15,035 | $16,780 |
| Net Income (Loss) Attributable to Parent | $30,705 | $25,810 | $37,453 | $41,807 |
| Other Preferred Stock Dividends and Adjustments | — | $834 | $300 | $346 |
| Weighted Average Number of Shares Outstanding, Basic | 14,301,691 | 14,242,057 | 14,204,468 | 14,086,577 |
| Weighted Average Number of Shares Outstanding, Diluted | 14,417,938 | 14,342,361 | 14,279,130 | 14,145,373 |
| Interest Expense, Deposits | $62,165 | $90,487 | $92,261 | $90,465 |
| Interest Expense, Borrowings | $508 | $1,713 | $1,397 | $1,833 |
| InterestExpenseOperating | — | $92,200 | $93,658 | $92,298 |
| Bank Owned Life Insurance Income | $753 | $949 | $1,030 | $1,085 |
| Gain (Loss) on Sales of Loans, Net | $3,570 | $3,752 | $4,617 | $4,856 |
| Noninterest Income, Other Operating Income | $1,555 | $1,482 | $1,704 | $1,859 |
| Noninterest Income | $10,683 | $11,093 | $11,836 | $12,536 |
| Labor and Related Expense | $34,572 | $35,661 | $36,551 | $37,903 |
| Occupancy, Net | $7,924 | $9,117 | $9,242 | $9,220 |
| Professional Fees | $3,087 | $3,408 | $2,808 | $2,554 |
| Marketing and Advertising Expense | $2,327 | $1,886 | $2,116 | $2,178 |
| Information Technology and Data Processing | $1,552 | $1,499 | $1,334 | $1,363 |
| Noninterest Expense Directors Fees | $756 | $906 | $898 | $893 |
| Federal Deposit Insurance Corporation Premium Expense | $1,103 | $1,256 | $1,464 | $1,491 |
| Other Noninterest Expense | $4,736 | $6,290 | $4,785 | $4,220 |
| Noninterest Expense | $56,057 | $60,023 | $59,198 | $59,822 |
| Undistributed Earnings (Loss) Allocated to Participating Securities, Basic | $95 | $47 | $296 | $290 |
| Net Income (Loss) Available to Common Stockholders, Basic | $30,610 | $24,929 | $36,857 | $41,171 |
| Weighted Average Number of Shares Issued, Basic | 14,345,860 | 14,269,017 | 14,318,428 | 14,172,287 |
| Weighted Average Number of Shares, Restricted Stock | 44,169 | 26,960 | 113,960 | 85,710 |
| Incremental Common Shares Attributable to Dilutive Effect of Share-based Payment Arrangements | 116,247 | 100,304 | 74,662 | 58,796 |
| Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount | 286,700 | 268,000 | 55,000 | 0 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Due from Banks | $26,518 | $27,100 | $25,319 | $30,896 |
| Interest-bearing Deposits in Banks and Other Financial Institutions | $215,824 | $171,692 | $181,823 | $234,301 |
| Cash and Cash Equivalents, at Carrying Value | $242,342 | $198,792 | $207,142 | $265,197 |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | $143,323 | $146,349 | $160,009 | $184,318 |
| Financing Receivable, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance | $5,155 | $6,292 | $12,077 | $2,937 |
| FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss | $2,323,452 | $2,629,387 | $2,820,400 | $2,932,019 |
| FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest | $27,533 | $30,628 | $33,381 | $34,738 |
| FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss | $2,295,919 | $2,598,759 | $2,787,019 | $2,897,281 |
| Property, Plant and Equipment, Net | $5,999 | $8,280 | $8,194 | $7,296 |
| Federal Home Loan Bank Stock and Federal Reserve Bank Stock | $12,716 | $14,042 | $14,978 | $15,170 |
| Bank Owned Life Insurance | $30,817 | $31,766 | $32,796 | $33,351 |
| Deferred Income Tax Assets, Net | $0 | $7,249 | $9,210 | $9,977 |
| Servicing Asset at Amortized Cost | $6,666 | $5,837 | $5,627 | $5,655 |
| Operating Lease, Right-of-Use Asset | $18,913 | $17,254 | $17,158 | $15,844 |
| Interest Receivable | $9,468 | $10,466 | $10,669 | $10,574 |
| Other Assets | $15,630 | $18,885 | $16,892 | $22,524 |
| Assets | $2,789,506 | $3,063,971 | $3,281,771 | $3,470,124 |
| Other Short-term Borrowings | — | $15,000 | $0 | $10,000 |
| Advances from Federal Home Loan Banks | $39,000 | $0 | $34,000 | $80,000 |
| Operating Lease, Liability | $20,137 | $18,671 | $18,996 | $17,701 |
| Accrued Liabilities and Other Liabilities | $29,009 | $50,695 | $43,337 | $39,301 |
| Liabilities | $2,440,634 | $2,700,157 | $2,891,745 | $3,069,661 |
| Common Stock, Value, Issued | $142,563 | $143,195 | $139,256 | $136,237 |
| Retained Earnings (Accumulated Deficit) | $146,092 | $160,797 | $186,485 | $201,214 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-8,924 | $-9,319 | $-4,856 | $-6,129 |
| Stockholders' Equity Attributable to Parent | $348,872 | $363,814 | $390,026 | $400,463 |
| Noninterest-bearing Deposit Liabilities | $594,673 | $547,853 | $555,645 | $569,367 |
| Deposits | $2,351,612 | $2,615,791 | $2,795,412 | $2,922,659 |
| Preferred Stock, Value, Issued | — | $69,141 | $69,141 | $69,141 |
| DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss | $156,175 | $159,742 | $167,053 | $193,155 |
| DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest | $0 | $0 | $0 | $0 |
| Preferred Stock, Shares Authorized | 10,000,000 | 10,000,000 | 10,000,000 | 10,000,000 |
| Preferred Stock, Shares Issued | — | 69,141 | 69,141 | 69,141 |
| Common Stock, Shares Authorized | 60,000,000 | 60,000,000 | 60,000,000 | 60,000,000 |
| Common Stock, Shares, Issued | 14,260,440 | 14,380,651 | 14,230,428 | 14,102,189 |
| Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | — | — | 90,850 | 85,850 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss) Attributable to Parent | $30,705 | $25,810 | $37,453 | $41,807 |
| Payments for Origination of Mortgage Loans Held-for-sale | $69,040 | $73,975 | $92,198 | $76,661 |
| Proceeds from Sale and Collection of Loans Held-for-sale | $87,422 | $77,878 | $90,935 | $86,674 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $95,311 | $-43,550 | $8,350 | $1,630 |
| Increase (Decrease) in Accrued Interest Receivable, Net | $934 | $3,717 | $-2,180 | $2,341 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $242,342 | $198,792 | $207,142 | $260,199 |
| Increase (Decrease) in Interest Payable, Net | $14,072 | $21,585 | $-7,568 | $-2,467 |
| Net Cash Provided by (Used in) Operating Activities | $63,343 | $38,985 | $26,589 | $41,371 |
| Depreciation | $2,184 | $2,252 | $2,213 | $2,132 |
| Payments to Acquire Debt Securities, Available-for-sale | $17,271 | $23,484 | $31,655 | $57,820 |
| Investment Income, Net, Amortization of Discount and Premium | $-209 | $-159 | $-146 | $-153 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $17,865 | $19,758 | $24,198 | $28,509 |
| Accretion (Amortization) of Discounts and Premiums, Investments | $2,197 | $2,782 | $2,791 | $2,410 |
| Proceeds from Sale of Loans and Leases Held-for-investment | $5,074 | $676 | $0 | $1,055 |
| Amortization of Deferred Loan Origination Fees, Net | $1,097 | $1,214 | $1,368 | $1,398 |
| Servicing Asset at Amortized Cost, Amortization | $1,883 | $1,764 | $2,080 | $1,899 |
| Payments to Acquire Loans Held-for-investment | $15,741 | $0 | $0 | $0 |
| Payments to Acquire Federal Home Loan Bank Stock | $2,533 | $1,326 | $936 | $192 |
| Bank Owned Life Insurance Income | $753 | $949 | $1,030 | $1,085 |
| Proceeds from Sale of Other Real Estate | $0 | $3,039 | $0 | $0 |
| Deferred Income Tax Expense (Benefit) | $4,103 | $-7,979 | $-3,847 | $-3,086 |
| Payments to Acquire Property, Plant, and Equipment | $1,315 | $4,075 | $2,193 | $509 |
| Share-based Payment Arrangement, Noncash Expense | $488 | $504 | $973 | $974 |
| PaymentsToAcquireEquitySecuritiesFvNi | — | $1,000 | $0 | $0 |
| Gain (Loss) on Sales of Loans, Net | $3,570 | $3,752 | $4,617 | $4,856 |
| Net Cash Provided by (Used in) Investing Activities | $-275,273 | $-311,737 | $-200,137 | $-165,268 |
| Increase (Decrease) in Deposits | $305,629 | $264,179 | $179,621 | $99,744 |
| Proceeds from (Repayments of) Short-term Debt | $-20,000 | $15,000 | $19,000 | $45,000 |
| Proceeds from FHLBank Borrowings, Financing Activities | $39,000 | $50,000 | $0 | $50,000 |
| Payments of FHLBank Borrowings, Financing Activities | $0 | $89,000 | $0 | $50,000 |
| Proceeds from Stock Options Exercised | $1,350 | $353 | $2,278 | $1,373 |
| Payment, Tax Withholding, Share-based Payment Arrangement | $2 | $3 | $81 | $81 |
| Payments for Repurchase of Common Stock | $8,828 | $222 | $7,101 | $8,173 |
| Payments of Ordinary Dividends, Preferred Stock and Preference Stock | — | $772 | $346 | $346 |
| Payments of Ordinary Dividends, Common Stock | $9,908 | $10,271 | $11,465 | $11,982 |
| Net Cash Provided by (Used in) Financing Activities | $307,241 | $229,202 | $181,898 | $125,527 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $47,780 | $85,845 | $92,837 | $94,788 |
| Income Taxes Paid | $4,284 | $6,366 | $23,055 | $19,101 |
| Transfer of Portfolio Loans and Leases to Held-for-sale | $0 | $676 | $0 | $1,091 |
| Real Estate Owned, Transfer to Real Estate Owned | $593 | $94 | $0 | $0 |
| Right-of-Use Asset Obtained in Exchange for Operating Lease Liability | $15,317 | $973 | $2,958 | $820 |