PBCO Financial Corporation (OTCID: “PBCO”), the holding company (Company) of People’s Bank of Commerce (Bank), today announced that it has declared a cash dividend of $0.25 per share, approximately 15% of 2025 net income. The $0.25 dividend will be paid on March 5, 2026, to shareholders of record February 18, 2026. “We are pleased to announce the declaration of our second consecutive cash dividend, reflecting the company’s continued strong financial performance. This dividend underscores our ongoing commitment to delivering value to our shareholders,” reported Julia Beattie, President and CEO.

As of December 31, 2025, the Company reported total assets of $788.6 million, total deposits of $654.0 million, and shareholder’s equity of $97.6 million. The Company reported net income of $8.6 million, or earnings per share of $1.63, for the year ended 2025.

About PBCO Financial Corporation

PBCO Financial Corporation’s stock trades on the over-the-counter market under the symbol PBCO. Additional information about the Company is available in the investor section of the Company’s website at: www.peoplesbank.bank.

Founded in 1998, People’s Bank of Commerce is a full-service, commercial bank headquartered in Medford, Oregon with branches in Albany, Ashland, Central Point, Eugene, Grants Pass, Jacksonville, Klamath Falls, Lebanon, Medford, and Salem.

"Safe Harbor" Statement under the Private Securities Litigation Reform Act of 1995:

This release includes forward-looking statements intended to qualify for the safe harbor from liability established by the Private Securities Litigation Reform Act of 1995. These forward-looking statements generally can be identified by phrases such as People’s Bank or its management "believes," "expects," "anticipates," "foresees," "forecasts," "estimates" or other words or phrases of similar import. Similarly, statements herein that describe People’s Bank’s business strategy, outlook, objectives, plans, intentions or goals also are forward-looking statements. All such forward-looking statements are subject to certain risks and uncertainties that could cause actual results to differ materially from those in forward-looking statements.

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