PCB Bank
California state-chartered bank serving Asian-American owned small and medium-sized enterprises and real estate investors. Offers $3 billion in assets, competitive checking and savings accounts, digital banking, personal and business loans, and cash management services.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (113 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
PCB Bank ranks #17 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of PCB Bank’s 7(a) acquisition lending falls in the $0-$500K range: 47 loans, 41.6% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 47 | 41.6% | |
| $500K-$1M | 32 | 28.3% | |
| $1M-$2M | 14 | 12.4% | |
| $2M-$3M | 6 | 5.3% | |
| $3M-$4M | 6 | 5.3% | |
| $4M-$5M | 8 | 7.1% |
Industries with highest loan volume
Full-Service Restaurants
29
loans
$583K
avg. amount
Gasoline Stations with Convenience Stores
21
loans
$2.5M
avg. amount
Beer, Wine, and Liquor Retailers
21
loans
$895K
avg. amount
Limited-Service Restaurants
15
loans
$322K
avg. amount
Hotels (except Casino Hotels) and Motels
7
loans
$3.6M
avg. amount
Supermarkets and Other Grocery Retailers (except Convenience Retailers)
4
loans
$969K
avg. amount
Convenience Retailers
3
loans
$358K
avg. amount
Coin-Operated Laundries and Drycleaners
2
loans
$458K
avg. amount
Offices of Dentists
1
loans
$1.1M
avg. amount
Drycleaning and Laundry Services (except Coin-Operated)
1
loans
$560K
avg. amount
10-Year
0.5%
Percentile Ranking
82th
82th percentile
PCB Bank’s median variable rate is + 1.75%, against a market median of Prime + 1.88%, 13 below market.
It priced below the market median in every one of the last 8 quarters. 1 of the 113 loans in its trailing three-year book carried a fixed rate; the rest were variable.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 1.98% |
| $500K-$1M | Prime + 1.64% |
| $1M-$2M | Prime + 1.41% |
| $2M-$3M | Prime + 1.29% |
| $3M-$4M | Prime + 0.96% |
| $4M-$5M | Prime + 0.97% |
over at time of loan origination
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q3 '24 | Prime + 1.50% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 8 |
| Q4 '24 | Prime + 1.50% | Prime + 2.25% | Prime + 1.50% – Prime + 2.75% | 11 |
| Q1 '25 | Prime + 1.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 9 |
| Q2 '25 | Prime + 1.00% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 9 |
| Q3 '25 | Prime + 1.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 11 |
| Q4 '25 | Prime + 1.75% | Prime + 2.25% | Prime + 1.67% – Prime + 2.75% | 7 |
| Q1 '26 | Prime + 1.63% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 6 |
| Q2 '26 | Prime + 1.00% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 3 |
PCB Bank has originated 7(a) acquisition loans in 10 states, most actively in California (43), Texas (36) and Washington (13). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| California | 43 | 38.1% |
| Texas | 36 | 31.9% |
| Washington | 13 | 11.5% |
| Georgia | 11 | 9.7% |
| Oregon | 5 | 4.4% |
| Alabama | 1 | 0.9% |
| District of Columbia | 1 | 0.9% |
| Florida | 1 | 0.9% |
| New Mexico | 1 | 0.9% |
| New York | 1 | 0.9% |
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