PCB Bancorp is a Los Angeles-based bank holding company that operates PCB Bank, a California state-chartered commercial bank focused on small and middle market businesses, primarily within the Korean-American community. PCB Bank operates 15 branches concentrated in Southern California, with additional locations in New York, New Jersey, Texas, and Georgia — a footprint that mirrors the geographic distribution of the Korean-American population across the U.S. The bank's core business is lending, with a roughly $2.8B loan book weighted heavily toward commercial real estate loans (~68% of loans), followed by C&I loans (~18%), and consumer loans, primarily residential mortgages (~15%). PCB Bank holds SBA Preferred Lender status, the highest SBA designation, which lets the bank originate and sell the government-guaranteed portion of SBA 7(a) loans into the secondary market at a premium, generating meaningful fee income. Like most community banks, PCB Bank earns a net interest margin on the spread between deposit costs and loan yields, with core deposits (~65% of total deposits) serving as its primary low-cost funding source. The bank emphasizes conservative underwriting — low loan-to-value ratios, strong collateral, and personal guarantees — to minimize credit losses. PCB Bank competes on relationship banking, cultural and language affinity, and SBA lending expertise to serve Korean-American entrepreneurs who may be underserved by larger banks.