For the quarter ending 2026-03-31, PCB had $60,263K increase in cash & cash equivalents over the period. $20,648K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Income before income taxes | - | 52,488 | - | - |
| Income tax benefit | - | 15,035 | - | - |
| Net income | 10,653 | 9,235 | 11,412 | 9,071 |
| Depreciation of premises and equipment | 523 | 536 | 565 | 548 |
| Net amortization of premiums on securities | -24 | -38 | -43 | -34 |
| Net accretion of discounts on loans | 517 | 746 | 563 | 610 |
| Net accretion of deferred loan fees | 353 | 255 | 433 | 414 |
| Amortization of servicing assets | 417 | 513 | 528 | 490 |
| Provision (reversal) for credit losses on loans | 618 | 791 | -428 | - |
| Provision (reversal) for credit losses on off-balance sheet credit exposures | -151 | 233 | 47 | - |
| Provision for credit losses | 467 | 1,024 | -381 | 1,787 |
| Bank-owned life insurance income | 274 | 271 | 259 | 253 |
| Deferred tax benefit | -123 | -2,253 | -586 | -577 |
| Stock-based compensation | 230 | 284 | 227 | 232 |
| Gain on sale of loans | 1,409 | 648 | 1,617 | 1,465 |
| Originations of loans held-for-sale | 12,415 | 16,039 | 30,599 | 23,102 |
| Proceeds from sales of and principal collected on loans held-for-sale | 23,385 | 14,243 | 30,627 | 28,472 |
| Change in accrued interest receivable and other assets | -50 | -689 | -2,504 | 1,767 |
| Change in accrued interest payable and other liabilities | 18 | -3,424 | 4,951 | -7,550 |
| Purchase of loans held-for-investment | - | 0 | - | - |
| Net cash provided by operating activities | 20,676 | 2,926 | 16,419 | 4,896 |
| Purchase of federal home loan bank and other restricted stock | - | 0 | 0 | 936 |
| Proceeds from sale of other real estate owned | - | 0 | 0 | 0 |
| Purchase of securities available-for-sale | 18,666 | 16,800 | 0 | 11,884 |
| Proceeds from maturities and paydowns of securities available-for-sale | 6,915 | 7,792 | 5,871 | 6,217 |
| Proceeds from sales of and principal collected on loans held-for-sale previously classified as held-for-investment | - | 0 | 0 | - |
| Net change in loans held-for-investment | 53,906 | 67,511 | -43,058 | 67,336 |
| Purchases of premises and equipment | 28 | 126 | 247 | 1,071 |
| Investment in private equity | - | 0 | - | - |
| Net cash used in investing activities | -65,685 | -76,645 | 48,682 | -75,010 |
| Net change in deposits | 92,568 | -118,090 | 90,587 | 108,516 |
| Net change in short-term federal home loan bank advances and other borrowings | -34,000 | 34,000 | -45,000 | 15,000 |
| Proceeds from long-term federal home loan bank advances | 50,000 | 0 | 0 | 0 |
| Repayment of long-term federal home loan bank advances | - | 0 | 0 | 0 |
| Stock options exercised | 112 | 610 | 450 | 534 |
| Restricted stock surrendered due to employee tax liability | - | 74 | 7 | - |
| Stock repurchase excise tax | - | -8 | - | - |
| Repurchase of common stock | 193 | 2,136 | 2,242 | 1,770 |
| Cash dividends paid on preferred stock | 86 | 87 | 86 | 87 |
| Cash dividends paid on common stock | 3,129 | 2,852 | 2,872 | 2,860 |
| Net cash provided by financing activities | 105,272 | -88,637 | 40,830 | 119,333 |
| Net increase in cash and cash equivalents | 60,263 | -162,356 | 105,931 | 49,219 |
| Cash and cash equivalents at beginning of period | 207,142 | 369,498 | 198,792 | - |
| Cash and cash equivalents at end of period | 267,405 | 207,142 | 369,498 | - |