EX-99.2 3 pcbinvestordeck1q26.htm EX-99.2
Earnings Results 1Q26 April 23, 2026 PCB BANCORP

2 Forward-Looking Statements & Non-GAAP Cautionary Note Regarding Forward-Looking Statements This presentation contains forward-looking statements. These forward-looking statements represent plans, estimates, objectives, goals, guidelines, expectations, intentions, projections and statements of our beliefs concerning future events, business plans, objectives, expected operating results and the assumptions upon which those statements are based. Forward-looking statements include without limitation any statement that may predict, forecast, indicate or imply future results, performance or achievements, and are typically identified with words such as “may,” “could,” “should,” “will,” “would,” “believe,” “anticipate,” “estimate,” “expect,” “aim,” “intend,” “plan,” or words or phases of similar meaning. We caution that forward-looking statements are based largely on our expectations and are subject to a number of known and unknown risks and uncertainties that are subject to change based on factors which are, in many instances, beyond our control, including but not limited to the health of the national and local economies including the impact on the Company and its customers resulting from any adverse developments in real estate markets, inflation levels and interest rates; the impacts of the conflict in the Middle East on the national and global economies and markets; the impact of governmental monetary policy; the impacts of sanctions, tariffs and other trade policies of the United States and its global trading partners and tensions related to the same; the Company’s ability to maintain and grow its deposit base; loan demand and continued portfolio performance; the impact of adverse developments at other banks, including bank failures, that impact general sentiment regarding the stability and liquidity of banks that could affect our financial performance and our stock price; changes to valuations of the Company’s assets and liabilities including the allowance for credit losses, earning assets, and intangible assets; changes to the availability of liquidity sources including borrowing lines and the ability to pledge or sell certain assets; the Company's ability to attract and retain skilled employees; customers' service expectations; cyber security risks; the Company's ability to successfully deploy new technology; the success of acquisitions and branch expansion; operational risks including the ability to detect and prevent errors and fraud; the effectiveness of the Company’s enterprise risk management framework; litigation costs and outcomes; changes in laws, rules, regulations, or interpretations to which the Company is subject; the effects of severe weather events, pandemics, wildfires and other disasters, other public health crises, acts of war or terrorism, and other external events on our business. These and other important factors are detailed in various securities law filings made periodically by the Company, copies of which are available without charge on the SEC’s website at www.sec.gov and the on the investor relations section of the Company’s website at www.mypcbbank.com. Actual results, performance or achievements could differ materially from those contemplated, expressed, or implied by the forward-looking statements. Any forward-looking statements presented herein are made only as of the date of this presentation, and we do not undertake any obligation to update or revise any forward-looking statements to reflect changes in assumptions, the occurrence of unanticipated events, or otherwise, except as required by law. Non-GAAP Financial Measures This presentation contains non-GAAP financial measures. A non-GAAP financial measure is a numerical measure of historical or future financial performance, financial position or cash flows that excludes amounts or is subject to adjustments that have the effect of excluding amounts that are included in the most directly comparable measure calculated and presented in accordance with Generally Accepted Accounting Principles, or GAAP. Reconciliations of non-GAAP measures to the most directly comparable GAAP measures are provided in the Non-GAAP Measures section of this presentation. References to the “Company,” “we,” or “us” refer to PCB Bancorp and references to the “Bank” refer to the Company’s subsidiary, PCB Bank.

Market Information 04/21/26 Market Cap $338.3 million Stock Price Per Share $23.77 52-Week Range $18.54 - $24.99 Dividend Yield 3.70% Dividend Payout Ratio (2Q25 – 1Q26) 29.29% Outstanding Shares 14,233,723 Stock Information 1Q26 or 03/31/26 Diluted Earnings Per Share (“Diluted EPS”) $0.74 Cash Dividend Per Share $0.22 Book Value (“BV”) Per Share $27.88 Tangible Common Equity (“TCE”) Per Share (1) $23.02 Number of Repurchased Shares (2) 9,005 (1) Not presented in accordance with GAAP. See “Non-GAAP Measures” for reconciliation of this measure to its most comparable GAAP measure. (2) As of 03/31/26, the Company is authorized to purchase an additional 210,521 shares under the current stock repurchase program. PCB Footprint Corporate Profile 3

Historical Performance $1.73 $2.05 $2.32 $2.63 $2.82 $2.87 0.000 0.500 1.000 1.500 2.000 2.500 3.000 2021 2022 2023 2024 2025 Mar-26 Held-For-Investment Loans ($bn) $1.87 $2.05 $2.35 $2.62 $2.80 $2.89 0.000 0.500 1.000 1.500 2.000 2.500 3.000 2021 2022 2023 2024 2025 Mar-26 Deposits ($bn) $40.1 $35.0 $30.7 $25.8 $37.5 $10.7 $52.4 $53.0 $43.1 $39.7 $56.5 $15.4 0.000 10.000 20.000 30.000 40.000 50.000 60.000 2021 2022 2023 2024 2025 1Q26 Net Income/PTPP Income ($mm) Net Income PTPP Income CAGR +8.9% CAGR +9.0% $0.44 $0.60 $0.69 $0.72 $0.80 $0.22 $2.62 $2.31 $2.12 $1.74 $2.58 $0.74 $17.24 $22.94 $24.46 $25.30 $27.41 $27.88 $18.21 $19.62 $20.49 $22.55 $23.02 -$5.00 $0.00 $5.00 $10.00 $15.00 $20.00 $25.00 $0.00 $0.50 $1.00 $1.50 $2.00 $2.50 $3.00 $3.50 $4.00 $4.50 2021 2022 2023 2024 2025 1Q26 Cash Dividend/Diluted EPS & BV/TCE Per Share Cash Dividend Per Share Diluted EPS BV Per Share TCE Per Share (1) At period end. (2) Not presented in accordance with GAAP. See “Non-GAAP Financial Measures” for reconciliations of these measures to their most comparable GAAP measures. (1), (2)(1) (2) 4 Annualized +7.5% Annualized +13.2%

1Q26 Highlights Operating Results • Net income available to common shareholders of $10.6 million, or $0.74 per diluted share • Provision for credit losses of $467 thousand • Return on Average Assets (“ROAA”) of 1.30%, Return on Average Equity (“ROAE”) of 10.95%, Return on Average TCE (“ROATCE”)(2) of 13.17%, net interest margin of 3.36%, and efficiency ratio(1) of 49.08% Loans • Loans held-for-investment (“HFI loans”) increased $53.2 million, or 1.9%, to $2.87 billion from 12/31/25 • Average loan yield was 6.35% compared to 6.44% for 4Q25 • Total loans to deposits ratio was 99.63% • Quarterly loan production was $142.0 million for 1Q26 compared to $158.8 million for 4Q25 Asset Quality • ACL on loans was $33.9 million, or 1.18% to HFI loans • Past due loans were $1.4 million, or 0.05% of HFI loans and non-performing assets (“NPAs”) were $9.3 million, or 0.32% of HFI loans Deposits • Total deposits increased $92.6 million, or 3.3%, to $2.89 billion from 12/31/25 • Core deposits(2) were $1.83 billion, or 63.2% of total deposits • Noninterest-bearing deposits were $570.4 million, or 19.8% of total deposits • Uninsured deposits were $1.36 billion, or 47.2% of total deposits • Cost of average interest-bearing deposits and total deposits were 3.82% and 3.10%, respectively Capital & Liquidity • Declared and paid quarterly cash dividend of $0.22 per share • Book value per share was $27.88 and TCE per share(2) was $23.02 • Maintained available borrowing capacity of $1.70 billion, or 50.0% of total assets (1) Calculated by dividing noninterest expense by the sum of net interest income and noninterest income. (2) Not presented in accordance with GAAP. See “Non-GAAP Financial Measures” for a reconciliation to most comparable GAAP measure. 5

Selected Financials As of or For the Three Months Ended Compared to 12/31/25 Compared to 3/31/25 ($ in Thousands, Except Per Share Data) 3/31/26 12/31/25 3/31/25 Amount Percentage Amount Percentage Income Statement Summary: Interest Income $ 48,831 $ 49,865 $ 46,892 $ (1,034) -2.1% $ 1,939 4.1% Interest Expense 22,021 23,238 22,609 (1,217) -5.2% (588) -2.6% Net Interest Income 26,810 26,627 24,283 183 0.7% 2,527 10.4% Noninterest Income 3,374 2,545 2,580 829 32.6% 794 30.8% Noninterest Expense 14,814 15,026 14,474 (212) -1.4% 340 2.3% Provision for Credit Losses 467 1,024 1,598 (557) -54.4% (1,131) -70.8% Pretax Income 14,903 13,122 10,791 1,781 13.6% 4,112 38.1% Income Tax Expense 4,250 3,887 3,056 363 9.3% 1,194 39.1% Net Income 10,653 9,235 7,735 1,418 15.4% 2,918 37.7% Preferred Stock Dividends 86 87 40 (1) -1.1% 46 115.0% Net Income Available to Common Shareholders 10,567 9,148 7,695 1,419 15.5% 2,872 37.3% Diluted EPS $ 0.74 $ 0.64 $ 0.53 $ 0.10 15.6% $ 0.21 39.6% Selected Balance Sheet Items: HFI loans $ 2,873,551 $ 2,820,400 $ 2,727,610 $ 53,151 1.9% $ 145,941 5.4% HFS loans 3,604 12,077 12,101 (8,473) -70.2% (8,497) -70.2% Total Deposits 2,887,980 2,795,412 2,714,399 92,568 3.3% 173,581 6.4% Total Assets 3,396,193 3,281,771 3,183,758 114,422 3.5% 212,435 6.7% Shareholders’ Equity 396,718 390,026 370,864 6,692 1.7% 25,854 7.0% TCE (1), (2) 327,577 320,885 301,723 6,692 2.1% 25,854 8.6% Key Metrics: BV Per Share $ 27.88 $ 27.41 $ 25.78 $ 0.47 1.7% $ 2.10 8.1% TCE Per Share (1) $ 23.02 $ 22.55 $ 20.97 $ 0.47 2.1% $ 2.05 9.8% ROAA (2) 1.30% 1.11% 1.01% 0.19% 0.29% Return on Average Equity (“ROAE”) (2) 10.95% 9.45% 8.53% 1.50% 2.42% ROATCE (1), (2) 13.17% 11.40% 10.45% 1.77% 2.72% Net Interest Margin (2) 3.36% 3.28% 3.28% 0.08% 0.08% Efficiency Ratio (3) 49.08% 51.51% 53.88% -2.43% -4.80% (1) Not presented in accordance with GAAP. See “Non-GAAP Financial Measures” for reconciliations of these measures to their most comparable GAAP measures. (2) Annualized. (3) Calculated by dividing noninterest expense by the sum of net interest income and noninterest income. 6

$1,631 $1,661 $1,752 $1,815 $1,886 $1,878 $1,904 $1,953 $417 $407 $473 $495 $493 $465 $509 $521$401 $398 $404 $418 $416 $410 $408 $399 $2,449 $2,466 $2,629 $2,728 $2,795 $2,753 $2,820 $2,874 0 500 1,000 1,500 2,000 2,500 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 HFI Loan Trend ($mm) Commercial Real Estate Commercial & Industrial Consumer 7 Loan Overview YoY +5.4% (1) Per federal regulatory definition in the Commercial Real Estate (“CRE”) Concentration Guidance. $1,081 $1,100 $1,175 $1,220 $1,274 $1,264 $1,285 $1,318 281% 282% 297% 304% 313% 306% 308% 310% 0% 50% 100% 150% 200% 250% 300% 300.0 400.0 500.0 600.0 700.0 800.0 900.0 1,000.0 1,100.0 1,200.0 1,300.0 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Commercial Real Estate(1) Loan Trend ($mm) CRE Loans % to the Bank's Total Risk-Based Capital Commercial Property 38% Business Property 22% Multifamily 7% Construction 1% Commercial & Industrial 18% Consumer 14% HFI Loan Composition March 31, 2026 $2.87B 1Q26 Highlights • HFI loans increased $53.2 million, or 1.9%, to $2.87 billion in 1Q26 • CRE loans increased $49.8 million (2.6%), C&I loans increased $12.2 million (2.4%) but consumer loans decreased $8.9 million (2.2%)

8 Loan Production & Rate/Yield Analysis (1) Total commitment basis. (2) Include both HFI and HFS loans. (3) Annualized. $0 $9 $28 $44 $5 $23 $39 $7 $30 $80 $62 $55 $41 $48 $45 $66 $163 $122 $72 $50 $91 $91 $58 $73 $195 $211 $161 $149 $137 $161 $142 8.78% 7.56% 7.23% 7.04% 6.97% 7.36% 6.50% 6.35% -8% -6% -4% -2% 0% 2% 4% 6% 8% 0 50 100 150 200 250 300 350 400 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 New Production(1) by Rate Type ($mm) Fixed Hybrid Variable WA Rate Fixed (WA Rate: 5.73%) 18% Variable (WA Rate: 6.80%) 43% Hybrid (WA Rate: 5.59%) 39% HFI Loans Interest Rate Mix 19% 18% 18% 18% 18% 18% 18% 18% 37% 38% 37% 38% 38% 40% 40% 39% 44% 44% 45% 44% 44% 42% 43% 43% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 HFI Loans Interest Rate Mix Trend Fixed Hybrid Variable March 31, 2026 HFI Loans WA Rate 6.13% Repricing Schedule (03/31/26) HFI Loans HFS Loans Total Loans ($ in thousands) Carrying Value WA Rate Carrying Value WA Rate Carrying Value WA Rate 3 Months or Less $ 1,117,013 6.78% $ 3,604 8.16% $ 1,120,770 6.78% 3 to 12 Months 444,234 4.80% 0 444,234 4.80% 1 to 3 Years 521,600 5.72% 0 521,600 5.72% 3 to 5 Years 738,590 6.30% 0 738,590 6.30% More than 5 Years 43,778 5.39% 0 51,961 5.39% Total $ 2,865,215 6.14% $ 3,604 8.16% $ 2,877,155 6.14% Loan Yield Analysis 1Q26 ($ in thousands) Amount(2) Yield(3) Average Carrying Value $ 2,840,688 Interest on Loans $ 43,614 6.23% Fee (Cost) 292 0.04% Prepayment Penalty & Late Charges 61 0.01% Discount (Premium) 517 0.07% Total Interest & Fees $ 44,484 6.35%

Carrying Value % to Total Count WA LTV(1) WA Rate Maturing ($ in thousands) 1 Year or Less 1 to 3 Years 3 to 5 Years Over 5 Years Retail (More Than 50%) $ 416,643 21.2% 333 47.5% 5.90% $ 36,550 $ 81,723 $ 179,731 $ 118,639 Industrial 281,023 14.4% 163 47.3% 5.79% 40,795 66,199 95,790 78,239 Mixed Use 207,184 10.6% 151 45.5% 6.00% 35,526 52,352 54,662 64,644 Apartments 178,789 9.2% 71 54.5% 5.44% 9,996 54,739 75,972 38,082 Office 155,310 8.0% 67 52.4% 6.25% 32,575 24,043 55,908 42,784 Motel & Hotel 147,275 7.5% 96 45.3% 6.82% 6,372 42,211 46,528 52,164 Gas Station 125,162 6.4% 129 48.5% 6.77% 13,220 14,789 31,222 65,931 Medical 64,617 3.3% 33 44.4% 6.67% 17,346 27,916 8,971 10,384 Commercial Condominium 47,980 2.5% 43 48.7% 6.01% 8,943 5,684 22,006 11,347 Golf Course 47,071 2.4% 8 37.1% 6.04% 5,196 7,371 34,059 445 Auto (Sales, Repair, & etc.) 38,554 2.0% 31 49.9% 5.40% 479 20,058 11,791 6,226 Car Wash 36,821 1.9% 27 47.5% 6.24% 6,794 2,848 15,637 11,542 Spa, Sauna, & Oher Self-Care 33,655 1.7% 8 48.6% 6.19% 0 7,941 17,513 8,201 Nursing Facility 26,762 1.4% 9 49.4% 6.37% 0 18,033 8,396 333 Wholesale 23,328 1.2% 14 37.9% 5.52% 2,153 3,623 13,332 4,220 Church 19,055 1.0% 19 36.0% 6.49% 1,647 931 6,904 9,573 Others 104,219 5.3% 75 52.1% 6.59% 27,457 10,768 32,147 33,847 Total $ 1,953,448 100.0% 1,277 48.0% 6.08% $ 245,049 $ 441,229 $ 710,569 $ 556,601 Loan Concentration (1) Collateral value at origination. Los Angeles County 60% Orange County 8% Riverside County 4% San Bernardino County 4% Northern CA Counties 1% Other CA Counties 1% NY/NJ 8% Texas 7% Washington 3% Other States 4% Commercial Real Estate Loans Geographic Concentration (3/31/26) $1.95B CA: $1.53B (78%) Commercial Real Estate Loans by Property Type (3/31/26) ($ in thousands) Carrying Value WA LTV(1) WA FICO Residential Mortgage $ 392,680 57.6% 761 Residential Mortgage Loans (3/31/26) 9

Loan Concentration Carrying Value % to Total WA Rate WA Month to Maturity($ in thousands) Finance & Insurance $ 178,506 34.3% 6.13% 7 General Manufacturing & Wholesale Trade 116,515 22.4% 6.58% 40 Retail Trade 58,493 11.2% 6.94% 31 Food Services 47,398 9.1% 7.49% 40 Real Estate Related 40,768 7.8% 6.57% 21 Arts, Entertainment, & Recreation 22,074 4.2% 7.25% 5 Professional, Scientific, & Technical Services 18,093 3.5% 7.01% 15 Transportation & Warehousing 9,019 1.7% 7.52% 24 Other Services 7,655 1.5% 7.19% 25 Construction 6,928 1.3% 7.08% 43 All Other 15,445 3.0% 6.84% 171 Total $ 520,894 100.0% 6.63% 27 Los Angeles County 40% Orange County 14% Other CA Counties 9% Northern CA Counties 7% San Bernardino County 2% Riverside County 0% Georgia 8% NY/NJ 7% Texas 4% Other States 9% Commercial & Industrial Loans Geographic Concentration (3/31/26) Commercial & Industrial Loans by Industry Type (3/31/26) $521MM CA: $381MM (73%) 10

Credit Quality & Peer(1) Comparison $7.5 $7.1 $4.7 $6.2 $8.9 $8.2 $7.9 $9.3 0 1 2 3 4 5 6 7 8 9 10 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 NPAs ($mm) 0.26% 0.24% 0.15% 0.20% 0.27% 0.24% 0.24% 0.27% 0% 0% 0% 0% 0% 0% 0% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 NPAs to Total Assets 1.17% 1.17% 1.16% 1.17% 1.20% 1.20% 1.18% 1.18% 1% 1% 1% 1% 1% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 ACL on Loans to HFI Loans 383% 437% 653% 511% 376% 404% 422% 415% 0 1 2 3 4 5 6 7 8 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 ACL on Loans to Non-Performing HFI Loans (1) Korean-American banks operating in Southern California. (2) Source: UBPR. (3) PCB Bank’s Peer Group per UBPR. (4) Source: press releases concerning financial performance. (3) 11 1.91% 1.83% 1.59% 1.03% 0.73% 0.44% 0.32% 0.31% 0.12% 0% 1% 1% 2% 2% 3% CBB USM Open Hope Peer Shinhan PCB Hanmi Woori NPAs / (Total Loans + OREO)(2) March 31, 2026 Peer Information: December 31, 2025 1.76% 1.39% 0.80% 0.35% 0.31% 0% 0% 0% 1% 1% 1% 1% 1% 2% 2% 2% CBB Hope Open Hanmi PCB Classified Assets to Total Assets(4) March 31, 2026 Peer Information: December 31, 2025

Deposits (1) Not presented in accordance with GAAP. See “Non-GAAP Financial Measures” for a reconciliation of this measure to its most comparable GAAP measure. $544 $540 $548 $564 $576 $551 $566 $570 $484 $492 $467 $513 $551 $669 $676 $681 $1,036 $1,073 $1,099 $1,185 $1,205 $1,252 $1,223 $1,260 $343 $355 $502 $452 $491 $441 $341 $376 $2,407 $2,460 $2,616 $2,714 $2,823 $2,914 $2,795 $2,888 0 500 1,000 1,500 2,000 2,500 3,000 3,500 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Deposit Trend ($mm) Noninterest DDA Retail Other Interest-Bearing Retail Time Deposits Wholesale Deposits Noninterest DDA 20% Retail Other Interest-Bearing 23% Retail Time Deposits 44% Wholesale Deposits 13% Deposit Composition $2.89B $1,503 $1,525 $1,508 $1,610 $1,683 $1,801 $1,806 $1,827 63% 62% 58% 59% 60% 62% 65% 63% 0% 10% 20% 30% 40% 50% 60% 70% 80% $500 $700 $900 $1,100 $1,300 $1,500 $1,700 $1,900 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Core Deposits(1) ($mm) Core Deposits % to Total Deposits Time Deposit Maturity Schedule (3/31/26) Retail Wholesale Total ($ in thousands) Amount WA Rate Amount WA Rate Amount WA Rate 3 Months or Less $ 333,996 4.03% $ 170,540 4.05% $ 504,536 4.04% 3 to 6 Months 306,719 4.11% 120,000 3.56% 426,719 3.95% 6 to 9 Months 265,287 3.86% 60,000 3.76% 325,287 3.84% 9 to 12 Months 352,630 3.84% 25,829 3.70% 378,459 3.83% More than 12 Months 1,521 3.08% - 0.00% 1,521 3.08% Total $ 1,260,153 3.96% $ 376,369 3.82% $ 1,636,522 3.93% YoY +6.4% 1Q26 Highlights • Total deposits increased $92.6 million (3.3%) from 12/31/25 • Retail deposits increased $56.7 million (2.3%), and wholesale deposits increased $35.8 million (10.5%) from 12/31/25 • Uninsured deposits were $1.36 billion (47.2% of total deposits) at 3/31/26 compared to $1.27 billion (45.4% of total deposits) at 12/31/25 March 31, 2026 12

Profitability (1) Not presented in accordance with GAAP. See “Non-GAAP Financial Measures” for reconciliations of these measures to its most comparable GAAP measures. $6.3 $7.8 $7.0 $7.7 $9.1 $11.4 $9.2 $10.7 $9.0 $10.7 $12.3 $12.4 $14.5 $15.5 $14.1 $15.4 0 2 4 6 8 10 12 14 16 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Net Income PTPP Net Income & PTPP(1) Income ($mm) $0.43 $0.52 $0.46 $0.53 $0.62 $0.78 $0.64 $0.74 $0.62 $0.72 $0.83 $0.85 $1.00 $1.07 $0.98 $1.07 0.00 0.20 0.40 0.60 0.80 1.00 1.20 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Diluted EPS Adjusted Diluted EPS Diluted EPS & Adjusted Diluted EPS(1) 0.89% 1.08% 0.94% 1.01% 1.13% 1.35% 1.11% 1.30% 1.28% 1.49% 1.64% 1.62% 1.80% 1.84% 1.70% 1.87% 0% 0% 0% 1% 1% 1% 1% 1% 2% 2% 2% 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 ROAA Adjusted ROAA ROAA & Adjusted ROAA(1) 7.19% 8.70% 7.69% 8.53% 9.76% 11.92% 9.45% 10.95% 10.36% 11.95% 13.46% 13.66% 15.56% 16.21% 14.48% 15.80% 0% 2% 4% 6% 8% 10% 12% 14% 16% 18% 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 ROAE Adjusted ROAE ROAE & Adjusted ROAE(1) 1Q26 Highlights • Net interest income increased $183 thousand, noninterest income increased $829 thousand, and noninterest expense decreased $212 thousand compared to 4Q25 13

Noninterest Income & Expense $13.6 $13.5 $24.5 $16.6 $26.9 $29.0 $13.2 $21.8 $12.7 $19.8 $39.3 $26.4 $31.0 $38.8 $18.1 $13.4 7.8% 8.8% 7.8% 7.3% 6.5% 6.4% 5.8% 7.2% 5.6% 5.6% 4.7% 5.3% 5.4% 5.6% 4.9% 6.5% -10% -8% -6% -4% -2% 0% 2% 4% 6% 8% 10% 0 10 20 30 40 50 60 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 SBA 7(A) Loans ($mm) Sold Production Premium % Gain % $9.2 $8.8 $8.4 $9.1 $8.8 $9.3 $9.3 $9.7 $6.0 $5.8 $5.5 $5.4 $6.0 $5.6 $5.7 $5.1 2.13% 2.04% 1.86% 1.87% 1.84% 1.77% 1.82% 1.78% 0% 1% 1% 2% 2% 3% 0 2 4 6 8 10 12 14 16 18 20 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Noninterest Expense Trend ($mm) Compensation All Other Expenses % to Average Total Assets 62.7% 57.6% 53.0% 53.9% 50.6% 48.9% 51.5% 49.1% 65.3% 64.7% 64.4% 59.7% 58.5% 57.6% 57.8% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Efficiency Ratio (2) PCB Peer Average 265 264 262 257 266 270 264 264 200 210 220 230 240 250 260 270 280 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Number of FTE(3) Employees (1) Annualized. (2) Calculated by dividing noninterest expense by the sum of net interest income and noninterest income. Peer average data from UBPR. (3) Full-time equivalent. (1) $1.7 $1.8 $1.8 $1.7 $1.8 $1.6 $1.9 $1.4 $0.8 $0.8 $1.2 $0.9 $1.5 $1.8 $0.6 $2.0 31% 29% 38% 34% 44% 47% 25% 42% -40% -30% -20% -10% 0% 10% 20% 30% 40% 50% 60% 0 1 1 2 2 3 3 4 4 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Noninterest Income Trend ($mm) All Other Income Gain on Sale of Loans % of Gain on Sale of Loans 14

3.28% 3.36% -0.15% +0.03% +0.17% +0.03% 2.80% 2.90% 3.00% 3.10% 3.20% 3.30% 3.40% 4Q25 Loan Yield Other Earning Assets Yield Int-Bearing Liabilities Cost Balance Sheet Mix 1Q26 Quarter-over-Quarter Impact to Net Interest Margin(1) Net Interest Margin (1) Annualized. 6.77% 6.82% 6.63% 6.59% 6.56% 6.58% 6.44% 6.35% 3.16% 3.25% 3.18% 3.28% 3.33% 3.28% 3.28% 3.36% 4.86% 4.85% 4.59% 4.28% 4.14% 4.10% 3.98% 3.82% 3.81% 3.79% 3.61% 3.45% 3.35% 3.34% 3.23% 3.11% 5.33% 5.26% 4.65% 4.33% 4.33% 4.29% 3.90% 3.64% 2% 3% 4% 5% 6% 7% 8% 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Yield & Cost(1) Loan Yield Net Interest Margin Cost of Interest-Bearing Liabilities Cost of Funds Average Fed Funds Rate 1Q26 Highlights • Net interest income increased $183 thousand to $26.8 million for 1Q26 from $26.7 million for 4Q25. • Net interest margin increased 0.08% to 3.36% for 1Q26 from 3.28% for 4Q25. The increase was primarily due to an increase in other earning asset average yield, a decrease in interest-bearing liabilities cost and an improvement in balance sheet mix, partially offset by a decrease in average loan yield. 15

Capital 12.05% 11.48% 13.87% 15.09% 11.70% 13.46% 13.46% 14.68% 5.00% 6.50% 8.00% 10.00% 0% 2% 4% 6% 8% 10% 12% 14% 16% 18% 20% Tier 1 Leverage CET 1 Capital Tier 1 Capital Total Capital Regulatory Capital Ratios Consolidated Bank Minimum Requirement For Well-Capitalized $24.80 $25.39 $25.30 $25.78 $26.26 $26.93 27.41 27.88 $19.95 $20.55 $20.49 $20.97 $21.44 $22.09 22.55 23.02 $12 $14 $16 $18 $20 $22 $24 $26 $28 $30 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Book Value/TCE Per Share(1) BV Per Share TCE Per Share March 31, 2026 12.39% 12.54% 11.87% 11.65% 11.39% 11.43% 11.89% 11.68% 9.97% 10.14% 9.62% 9.48% 9.30% 9.38% 9.78% 9.65% 6% 7% 8% 9% 10% 11% 12% 13% 14% 15% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Total Equity/TCE to Total Assets(1) Total Equity to Total Assets TCE to Total Assets (1) Not presented in accordance with GAAP. See “Non-GAAP Financial Measures” for a reconciliation of this measure to its most comparable GAAP measure. 16

Non-GAAP Financial Measures To supplement the financial information presented in accordance with GAAP, we use certain non-GAAP financial measures. Management believes the non-GAAP measures enhance investors’ understanding of the Company’s business and performance. These measures are also useful in understanding performance trends and facilitate comparisons with the performance of other financial institutions. Risks associated with non-GAAP measures are the risk that persons might disagree as to the appropriateness of items comprising these measures and that different companies might calculate these measures differently. In the information below, we provide reconciliations of the non-GAAP financial measures used in this presentation to the most direct comparable GAAP measures. Core Deposits Core Deposits is a non-GAAP measure that we use to measure the portion of our total deposits that is thought to be more stable, lower cost and reprice less frequently on average in a rising rate environment. We calculate core deposits as total deposits less time deposits greater than $250,000 and brokered deposits. We track core deposits because we believe it is a useful measure to help assess the Company’s deposit base and, among other things, potential volatility therein. TCE, ROATCE, TCE Per Share and TCE to Total Assets TCE, ROATCE, TCE per share and TCE to total assets are non-GAAP measures that we use to measure the Company’s performance. We calculated TCE as total shareholders’ equity excluding preferred stock. Management believes the non-GAAP measures provide useful supplemental information and a clearer understanding of the Company’s performance. PTPP Income, and Adjusted ROAA, ROAE and Diluted EPS for PTPP PTPP income, and adjusted ROAA, ROAE and Diluted EPS are non-GAAP measures that we use to measure the Company’s performance and believe these presentations provide useful supplemental information and a clearer understanding of the Company’s performance. We calculated PTPP income as net income excluding income tax provision and provision for loan losses. 17

Non-GAAP Financial Measures The following table reconciles core deposits to its most comparable GAAP measure: ($ in thousands) Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Total Deposits (d) $ 2,406,254 $ 2,459,682 $ 2,615,791 $ 2,714,399 $ 2,822,915 $ 2,913,502 $ 2,795,412 $ 2,887,980 Less: Time Deposits Greater Than $250K (619,832) (640,166) (665,124) (712,458) (709,160) (731,517) (708,633) (805,074) Less: Brokered Deposits (283,033) (295,080) (442,284) (392,284) (431,001) (381,001) (280,541) (256,370) Core Deposits (e) $ 1,503,389 $ 1,524,436 $ 1,508,383 $ 1,609,657 $ 1,682,754 $ 1,800,984 $ 1,806,238 $ 1,826,536 Core Deposits to Total Deposits (e)/(d) 62.5% 62.0% 57.7% 59.3% 59.6% 61.8% 64.6% 63.2% The following table reconciles ROATCE to its most comparable GAAP measure: ($ in thousands) 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Average Total Shareholders' Equity (a) $ 351,221 $ 357,376 $ 363,828 $ 367,710 $ 372,629 $ 379,834 $ 387,540 $ 394,574 Less: Average Preferred Stock 69,141 69,141 69,141 69,141 69,141 69,141 69,141 69,141 Average TCE (Non-GAAP) (b) $ 282,080 $ 288,235 $ 294,687 $ 298,569 $ 303,488 $ 310,693 $ 318,399 $ 325,433 Net Income (c) $ 6,281 $ 7,814 $ 7,030 $ 7,735 $ 9,071 $ 11,412 $ 9,234 $ 10,653 ROAE (1) (c)/(a) 7.19% 8.70% 7.69% 8.53% 9.76% 11.92% 9.45% 10.95% Net Income Available to Common Shareholders (d) $ 6,139 $ 7,468 $ 6,684 $ 7,695 $ 8,984 $ 11,326 $ 9,148 $ 10,567 ROATCE (Non-GAAP)(1) (d)/(b) 8.75% 10.31% 9.02% 10.45% 11.87% 14.46% 11.40% 13.17% The following table reconciles TCE per share and TCE to total assets to their most comparable GAAP measures: ($ in thousands, except per share data) Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Total Shareholders' Equity (a) $ 353,469 $ 362,300 $ 363,814 $ 370,864 $ 376,500 $ 384,501 $ 392,026 $ 396,718 Less: Preferred Stock 69,141 69,141 69,141 69,141 69,141 69,141 69,141 69,141 TCE (Non-GAAP) (b) $ 284,328 $ 293,159 $ 294,673 $ 301,723 $ 307,359 $ 315,360 $ 320,885 $ 327,577 Outstanding Shares (c) 14,254,024 14,266,725 14,380,651 14,387,176 14,336,602 14,277,164 14,230,428 14,231,423 Book Value Per Share (a)/(c) $ 24.80 $ 25.39 $ 25.30 $ 25.78 $ 26,26 $ 26.93 $ 27.41 $ 27.88 TCE Per Share (Non-GAAP) (b)/(c) $ 19.95 $ 20.55 $ 20.49 $ 20.97 $ 21,44 $ 22.09 $ 22.55 $ 23.02 Total Assets (d) $ 2,852,964 $ 2,889,833 $ 3,063,971 $ 3,183,758 $ 3,305,589 $ 3,363,506 $ 3,281,771 $ 3,396,193 Total Shareholders’ Equity to Total Assets (a)/(d) 12.39% 12.54% 11.87% 11.65% 11.39% 11.43% 11.88% 11.68% TCE to Total Assets (Non-GAAP) (b)/(d) 9.97% 10.14% 9.62% 9.48% 9.30% 9.38% 9.78% 9.65% (1) Annualized. 18

Non-GAAP Financial Measures (1) Provision (reversal) for credit losses does not include provision (reversal) for off-balance sheet credit exposures for years ended December 31, 2021 and 2022. (2) Annualized. The following table reconciles PTPP income, and adjusted ROAA, ROAE and diluted EPS for PTPP to their most comparable GAAP measures: ($ in thousands) 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Net Income (a) $ 6,281 $ 7,814 $ 7,030 $ 7,735 $ 9,071 $ 11,412 $ 9,235 $ 10,653 Add: Provision (Reversal) for Credit Losses 259 50 2,002 1,598 1,787 (381) 1,024 467 Add: Income Tax Provision 2,505 2,873 3,281 3,056 3,600 4,492 3,887 4,250 PTPP Income (Non-GAAP) (b) $ 9,045 $ 10,737 $ 12,313 $ 12,389 $ 14,458 $ 15,523 $ 14,146 $ 15,370 Average Total Assets (c) $ 2,853,152 $ 2,866,707 $ 2,980,641 $ 3,097,516 $ 3,226,395 $ 3,354,588 $ 3,307,828 $ 3,326,328 ROAA (2) (a)/(c) 0.89% 1.08% 0.94% 1.01% 1.13% 1.35% 1.11% 1.30% Adjusted ROAA (Non-GAAP)(2) (b)/(c) 1.28% 1.49% 1.64% 1.62% 1.80% 1.84% 1.70% 1.87% Average Total Shareholders' Equity (d) $ 351,221 $ 357,376 $ 363,828 $ 367,710 $ 372,629 $ 379,834 $ 387,540 $ 394,574 ROAE (2) (a)/(d) 7.19% 8.70% 7.69% 8.53% 9.76% 11.92% 9.45% 10.95% Adjusted ROAE (Non-GAAP)(2) (b)/(d) 10.36% 11.95% 13.46% 13.66% 15.56% 16.21% 14.48% 15.80% Net Income available to common shareholders $ 6,139 $ 7,468 $ 6,684 $ 7,695 $ 8,984 $ 11,326 $ 9,148 $ 10,567 Less: Income Allocated to Participating Securities (11) (11) (16) (61) (72) (91) (73) (64) Net Income Allocated to Common Stock (e) 6,128 7,457 6,668 7,634 8,912 11,235 9,075 10,503 Add: Provision for Loan Losses 259 50 2,002 1,598 1,787 (381) 1,024 467 Add: Income Tax Provision 2,505 2,873 3,281 3,056 3,600 4,492 3,887 4,250 PTPP Income Allocated to Common Stock (f) $ 8,892 $ 10,380 $ 11,951 $ 12,288 $ 14,299 $ 15,346 $ 13,986 $ 15,220 WA common shares outstanding, diluted (g) 14,312,949 14,356,384 14,406,756 14,403,769 14,326,011 14,325,956 14,235,867 14,238,226 Diluted EPS (e)/(g) $ 0.43 $ 0.52 $ 0.46 $ 0.53 $ 0.62 $ 0.78 $ 0.64 $ 0.74 Adjusted Diluted EPS (Non-GAAP) (f)/(g) $ 0.62 $ 0.72 $ 0.83 $ 0.85 $ 1.00 $ 1.07 $ 0.98 $ 1.07 19 ($ in thousands) 2021 2022 2023 2024 2025 Net Income $ 40,103 $ 34,987 $ 30,705 $ 25,810 $ 37,453 Add: Provision (Reversal) for Credit Losses(1) (4,596) 3,602 (132) 3,401 4,028 Add: Income Tax Provision 16,856 14,416 12,557 10,476 15,035 PTPP Income (Non-GAAP) $ 52,363 $ 53,005 $ 43,130 $ 39,687 $ 56,516