Slide 1: 2Q26 Earnings Results
2Q26 Earnings Results July 23, 2026
Slide 2: Forward-Looking Statements & Non-GAAP
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 be
Slide 3: Corporate Profile
Corporate Profile Market Information (July 21, 2026) PCB Footprint $29.94 $19.70-$30.84 Stock Price 52-Week Range $421MM 2.94% Market Cap Dividend Yield Shares Outstanding: 14,051,361 ❖ Founded in 2003 & Headquartered in Los Angeles ❖ 15 full-service branches & loan originators in 6 states 3
Slide 4: Historical Performance
Historical Performance Cash Dividend/Diluted EPS & BV/TCE Per Share Net Income/PTPP Income ($mm) $27.41 $28.40 $60.0 $4.50 $24.46 $25.30 $22.94 $50.0 $4.00 $25.00 $3.50 $17.24 $20.00 $40.0 $3.00 $22.55 $23.49 $2.50 $18.21 $19.62 $20.49 $15.00 $30.0 $52.4 $53.0 $56.5 $2.00 $1.47 $10.00 $37.5 $20.0 $4
Slide 5: 2Q26 Highlights
2Q26 Highlights • Net income available to common shareholders: $10.4 million ($0.73 per diluted share) • Return on Average Assets (“ROAA”): 1.24% • Return on Average Equity (“ROAE”): 10.55% Operating Results • Return on Average TCE (“ROATCE”)(2): 12.65% • Net interest margin: 3.33% • Efficiency rati
Slide 6: Selected Financials
Selected Financials As of or For the Three Months Ended Compared to 3/31/26 Compared to 6/30/25 ($ in Thousands, Except Per Share Data) 6/30/26 3/31/26 6/30/25 Amount Percentage Amount Percentage Income Statement Summary: Interest Income $ 50,040 $ 48,831 $ 49,308 $ 1,209 2.5% $ 732 1.5% Interest Ex
Slide 7: Loan Overview
Loan Overview HFI Loan Trend ($mm) HFI Loan Composition June 30, 2026 Consumer 14% Commercial Property YoY +4.9% 38% Commercial & Industrial $2,932 3,000 $2,728 $2,795 $2,753 $2,820 $2,874 17% $2.93B $2,629 $399 $2,466 $399 Construction $416 $408 $418 $410 2,500 $404 0% $398 $495 Multifamily $521 Bu
Slide 8: Loan Production & Rate/Yield Analysis
Loan Production & Rate/Yield Analysis New Production (1) by Rate Type ($mm) HFI Loans Interest Rate Mix HFI Loans Interest Rate Mix Trend 100% 90% 300 7.56% Variable (WA Rate: 6.82 %) 7.23% 7.36% 80% 44% 45% 44% 44% 42% 43% 43% 43% 7.04% 6.97% 8% 42% 6.50% 6.35% 6.32% 70% 60% 250 50% 6% 40% 39% 39%
Slide 9: Loan Concentration
Loan Concentration Commercial Real Estate Loans by Property Type (6/30/26) Commercial Real Estate Loans Maturing % to WA WA 1 Year or 1 to 3 3 to 5 Over Geographic Concentration (6/30/26) ($ in thousands) Amount Total Count LTV(1) Rate Less Years Years 5 Years Retail (More Than 50%) $ 452,265 22.2%
Slide 10: Loan Concentration
Loan Concentration Commercial & Industrial Loans by Industry Type (6/30/26) Carrying % to WA WA Month Commercial & Industrial Loans ($ in thousands) Value Total Rate to Maturity Geographic Concentration (6/30/26) Finance & Insurance $ 133,112 26.9% 6.15% 5 General Manufacturing & Wholesale Trade 116
Slide 11: Credit Quality & Peer Comparison
Credit Quality & Peer(1) Comparison NPAs ($mm) NPAs to Total Assets NPAs / (Total Loans + OREO) (2) 10 0% June 30, 2026 Peer Information: March 31, 2026 9 2.19% 3% 2.06% 0% 8 2% 1.87% 7 0% 6 2% 5 0% $8.9 $9.3 $8.7 0.27% 0.27% $8.2 0.24% 0.24% 0.24% 0.25% 0.95% 4 $7.9 0.79% 0.79% $7.1 0.20% 1% $6.2 0
Slide 12: Deposits
Deposits Deposit Trend ($mm) Deposit Composition Core Deposits (1) ($mm) Retail Time Deposits $2,500 80% 62% 62% 65% 63% 63% 3,500 YoY +3.5% 44% $2,300 59% 60% 58% 70% $2,100 60% $1,900 $2,914 $2,888 $2,923 $1,700 50% 3,000 $2,823 $2,795 Wholesale $2.92B $1,500 40% $2,714 $2,616 $366 Deposits $1,300
Slide 13: Profitability
Profitability Net Income & PTPP (1) Income ($mm) Diluted EPS & Adjusted Diluted EPS (1) $1.20 $1.07 $1.07 $1.09 $15.5 $15.4 $15.6 $1.00 $0.98 16 $14.5 $14.1 $0.85 $1.00 14 $12.3 $12.4 $0.83 12 $10.7 $0.80 $0.72 10 $0.60 8 6 $11.4 $10.7 $0.40 $0.78 $0.74 $0.73 $9.2 $10.5 $0.62 $0.64 4 $7.8 $7.7 $9.1
Slide 14: Noninterest Income & Expense
Noninterest Income & Expense Noninterest Income Trend ($mm) SBA 7(A) Loans ($mm) 8.8% 8.4% 7.8% 7.3% 7.2% 10% 5 44% 47% 60% 6.5% 6.4% 42% 60 5.8% 8% 5 38% 37% 50% 34% 29% 6% 25% 4 40% 50 6.5% 7.1% 4% 4 30% 5.6% 4.7% 5.3% 5.4% 5.6% 3 20% 40 4.9% 2% $1.5 $1.6 $1.4 $1.2 0% $1.2 3 10% 30 2 $0.8 $0.9 $0.
Slide 15: Net Interest Margin
Net Interest Margin Yield & Cost (1) (1) Quarter - over - Quarter Impact to Net Interest Margin 7% 6.82% 6.63% 3.45% 6.59% 6.56% 6.58% 6.44% 6.38% 7% 6.35% 6% 3.40% + 0.04% 6% 5.26% - 0.07% 3.35% 5% +0.03% - 0.03% 4.65% 4.85% 5% 4.33% 4.33% 4.29% 4.59% 3.98% 3.30% 4.28% 3.82% 4% 3.79% 4.14% 3.76% 4.
Slide 16: Capital
Capital Regulatory Capital Ratios Book Value/TCE Per Share (1) 20% $30 $28.40 $27.88 $27.41 $26.93 $28 $26.26 $25.39 $25.78 18% $25.30 $26 $24 16% 14.98% 14.58% $22 $23.49 $23.02 13.75% $22.55 $22.09 14% 13.35% 13.35% $20 $21.44 $20.55 $20.97 $20.49 $18 11.89% 12% 11.54% 11.41% Sep-24 Dec-24 Mar-25
Slide 17: Non-GAAP Financial Measures
Non-GAAP Financial Measures To supplement the financial information presented in accordance with GAAP, we use certain non-GAAP financial measures. Management believes the non-GAAP measures enhance investors’ understanding of the Company’s business and performance. These measures are also useful in u
Slide 18: Non-GAAP Financial Measures
Non-GAAP Financial Measures The following table reconciles core deposits to its most comparable GAAP measure: ($ in thousands) Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Total Deposits (a) $ 2,459,682 $ 2,615,791 $ 2,714,399 $ 2,822,915 $ 2,913,502 $ 2,795,412 $ 2,887,980 $ 2,922,659 Le
Slide 19: Non-GAAP Financial Measures
Non-GAAP Financial Measures The following table reconciles PTPP income, and adjusted ROAA, ROAE and diluted EPS for PTPP to their most comparable GAAP measures: ($ in thousands) 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Net Income (a) $ 7,814 $ 7,030 $ 7,735 $ 9,071 $ 11,412 $ 9,235 $ 10,653 $ 10,507