Pcb Bank logo

Pcb Bank in Los Angeles, CA

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PCB Bank is an FDIC-insured bank offering personal and business checking, savings, loans, and cash management services with both digital and in-person banking options.

Data compiled from public sources

Pcb Bank Review

PCB Bank is a Los Angeles-based FDIC-insured financial institution headquartered at 3701 Wilshire Boulevard in Los Angeles, California. The bank has established itself as a community-focused institution with a stated commitment to financial literacy, local community support, and client relationship banking. PCB Bank serves both personal and business customers across the greater Los Angeles area with multiple service channels.

The bank offers a comprehensive range of personal banking services including checking accounts (basic starter and interest-bearing options), savings products, home loans, and mobile/online banking platforms. For business customers, PCB Bank provides cash management services, business loans, remote deposit capabilities, and merchant services. The institution emphasizes digital convenience through downloadable mobile apps (available on App Store and Google Play) and online banking with bill pay functionality.

Additionally, the bank offers credit card products and maintains telephone banking available 24/7. PCB Bank distinguishes itself through its emphasis on relationship banking and partnership with local businesses, highlighting a case study with GEN Korean BBQ's IPO process. The institution demonstrates community commitment through programs including teaching financial literacy in schools, supporting tax filing assistance, and awarding annual scholarships.

Security and fraud prevention are highlighted as priorities, with dedicated fraud prevention resources and explicit scam-alert warnings on their website. As a traditional bank with physical headquarters and multiple service channels, PCB Bank operates within standard banking regulatory frameworks with FDIC insurance protection. However, the website provides limited detailed information about specific product rates, terms, or fee structures.

Customer support is available during business hours (with some 24/7 services), though hours are restricted to PST timezone operations.

Services & Features

ATM/debit card services with 24/7 replacement
Auto loan servicing
Business checking and cash management services
Business loans and financing
Credit card products
Home loans and mortgage services
Mobile banking app and online banking platform
Online bill pay
Personal and business savings accounts
Personal checking accounts (basic starter and interest-bearing options)
Remote deposit for business accounts
Telephone banking (24/7)

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • FDIC-insured deposits backed by full faith and credit of U.S. Government
  • Multiple contact channels including 24/7 telephone banking and dedicated customer call center
  • Comprehensive digital banking with mobile app and online bill pay capabilities
  • Dedicated cash management and business lending services for commercial clients
  • Community-focused with active financial literacy programs and scholarship offerings
  • listed support services including residential mortgage center and auto loan servicing
  • Remote deposit capability for business customers

Cons

  • Website does not disclose specific interest rates, APYs, or fees for any products
  • Customer service hours limited to PST timezone with reduced Friday hours (10am-5pm instead of 9am-5pm)
  • Limited geographic presence with headquarters in Los Angeles and no mention of branch expansion
  • Website provides minimal information about minimum deposit requirements or account features
  • No information about overdraft protection, fee structures, or promotional rates visible on site

State Consumer Finance Context

This is state-level context for Banks consumers in Los Angeles, CA. It does not confirm that Pcb Bank or this specific location is licensed.

State regulator

California Department of Financial Protection and Innovation (DFPI)

Key state rules to check

  • Payday loans capped at $300 with maximum fee of $15 per $100 (459% APR equivalent).
  • The California Consumer Financial Protection Law grants DFPI broad enforcement authority.
  • Licensed finance lenders under the California Financing Law can charge rates above usury for loans under $10,000.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Mortgage Lending Transparency

Pcb Bank processed 150 mortgage applications in 2023, with 100% recorded as approved across 4 states.

150

Applications

100%

Approval Rate

$696K

Avg Loan

4

States Served

Approval Rate by Applicant Income

$50K–$100K
100%
$100K–$200K
100%
Over $200K
100%

Based on 150 applications. Income in thousands (reported by applicant).

States With Recorded Applications

California 143 apps · 85.3%
Texas 4 apps · 100%
New Jersey 2 apps · 100%
New York 1 apps · 100%

Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.

Frequently Asked Questions

What services does Pcb Bank offer?

Pcb Bank offers 12 services including Personal checking accounts (basic starter and interest-bearing options), Business checking and cash management services, Personal and business savings accounts, Home loans and mortgage services, Business loans and financing, and 7 more.

What profile signals are listed for Pcb Bank?

Pcb Bank has profile signals associated with Los Angeles-area small business owners seeking relationship banking and cash management services, Personal customers interested in FDIC-insured checking and savings with digital banking convenience, Businesses pursuing commercial loans or preparing for IPO with community bank partnership, Customers seeking 24/7 phone banking and multiple account management channels.

What are the strengths and weaknesses of Pcb Bank?

Key strengths: FDIC-insured deposits backed by full faith and credit of U.S. Government; Multiple contact channels including 24/7 telephone banking and dedicated customer call center; Comprehensive digital banking with mobile app and online bill pay capabilities. Areas to consider: Website does not disclose specific interest rates, APYs, or fees for any products; Customer service hours limited to PST timezone with reduced Friday hours (10am-5pm instead of 9am-5pm).

How does Pcb Bank compare to similar companies?

In the Banks category, comparable providers include Commercial Bank of California (Formerly Community Bank of the Bay), East West Bank, LendingClub. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
2003
Headquarters
Los Angeles, CA
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #57463
Visit Pcb Bank

CreditDoc Profile Note

Research Note on Pcb Bank

PCB Bank is profile signals for Los Angeles-area residents and small business owners seeking FDIC-insured traditional banking with relationship-focused service and community involvement. The primary caveat is that the bank provides no publicly accessible information about rates, fees, or product terms on their website, requiring direct contact to evaluate competitiveness against other financial institutions.

Profile Signals

  • Los Angeles-area small business owners seeking relationship banking and cash management services
  • Personal customers interested in FDIC-insured checking and savings with digital banking convenience
  • Businesses pursuing commercial loans or preparing for IPO with community bank partnership
  • Customers seeking 24/7 phone banking and multiple account management channels
Updated 2026-05-08

Similar Companies

Commercial Bank of California (Formerly Community Bank of the Bay) logo

Commercial Bank of California (Formerly Community Bank of the Bay)

Commercial Bank of California (formerly Community Bank of the Bay) is a regional bank offering checking, savings, and business banking services to California consumers and small businesses.

5.0/5

Google rating from 7 reviews

BBB: NR

Profile signals: California-based consumers seeking regional banking relationships with local decision-making, Small business owners preferring community bank service models over national chains

East West Bank logo

East West Bank

FDIC-insured bank offering personal and commercial banking, home loans, wealth management, and international trade solutions with multilingual support.

4.7/5

Google rating from 21 reviews

BBB: NR

Profile signals: Bilingual/multilingual customers seeking banking services in their preferred language, Small business owners and entrepreneurs needing SBA loans and commercial banking services

LendingClub logo

LendingClub

LendingClub is a digital marketplace bank offering personal loans up to $60,000, auto refinancing, and award-winning checking/savings accounts with no physical branches.

4.8/5

Google rating from 4,720 reviews

BBB: A+

Profile signals: Borrowers with good-to-excellent credit seeking competitive personal loan rates, Credit card debt consolidators looking for fixed-rate alternatives

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Quick Summary

  • Pcb Bank is listed as a Banks provider in Los Angeles, CA on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
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