Private company

PB Bankshares, Inc.

PB Bankshares, Inc. is an American savings institutions company, incorporated in Maryland.1 It is headquartered in Coatesville, Pennsylvania.1

Last updated Oct 20, 2026.

Overview

  • IndustrySavings Institutions, Not Federally Chartered1
  • HeadquartersCoatesville, Pennsylvania1
  • Incorporated inMD2
  • Business address185 E. Lincoln Highway, Coatesville, Pa 193202
  • Filer category, Emerging growth company2

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PB Bankshares, Inc. (the “Company” or “PB Bankshares”), a Maryland corporation, was formed in March 2021 to serve as the bank holding company for Presence Bank (the “Bank”). On July 14, 2021, the Bank completed its mutual to stock conversion and the related stock offering of the Company. The Company’s common stock is traded on the Nasdaq Capital Market under the trading symbol PBBK.3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2024

160.7%Net margin4
89.8%Revenue growth, 20244
3.6%Return on equity4
0.87×Debt to equity4
$1.4MFree cash flow4

Where the money goes

Where each dollar of revenue went, fiscal 2024

  • Income tax21¢$475.0K
  • Profit79¢$1.8M

Out of $1.1M in revenue.4

Where each dollar of operating cash went, fiscal 2024

  • Capital spending18¢$381.0K
  • Share buybacks82¢$1.8M

Out of $1.8M of cash from operations. Spending exceeded cash from operations; the rest came from savings or borrowing.4

Financial statements

Revenue5674$1.1M in 2024+125% since 2020
0$500.0K$1.0M$1.5M2020: $491.0K$491.0K20202021: $646.0K$646.0K2021+32%2022: $1.3M$1.3M2022+108%2023: $581.0K$581.0K2023−57%2024: $1.1M$1.1M2024+90%
Net income5674$1.8M in 2024
-$1.0M0$1.0M$2.0M$3.0M2020: -$415.0K-$415.0K20202021: $785.0K$785.0K20212022: $2.1M$2.1M2022+169%2023: $1.9M$1.9M2023−9%2024: $1.8M$1.8M2024−8%
Fiscal year201920202021202220232024
Revenue$491.0K5$646.0K6$1.3M7$581.0K4$1.1M4
Interest$2.4M5$2.2M6$3.0M7$7.7M7
Income before tax$955.0K6$2.6M7$2.5M4$2.2M4
Income tax-$140.0K5$170.0K6$531.0K7$545.0K4$475.0K4
Net income-$415.0K5$785.0K6$2.1M7$1.9M4$1.8M4
Earnings per share$0.316$0.827$0.784$0.774
Earnings per share (diluted)$0.316$0.827$0.774$0.764
Shares (weighted, basic)2.6M shares62.6M shares72.5M shares42.3M shares4
Shares (weighted, diluted)2.6M shares62.6M shares72.5M shares42.3M shares4

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Corporate structure

PB Bankshares, Inc. sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of PB Bankshares, Inc.

  • JACOBS ASSET MANAGEMENT, LLC Filed SCHEDULE 13G/A on PB Bankshares, Inc., latest Feb 17, 2026 (2 filings since Jul 24, 2025)
  • Chicago Capital Management, LLC Filed SCHEDULE 13G on PB Bankshares, Inc., latest Sep 3, 2025
  • Principal Financial Group Filed SC 13G/A on PB Bankshares, Inc., latest Feb 12, 2024
  • PB Bankshares, Inc. Coatesville, Pennsylvania

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What PB Bankshares, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$4.8M4 Dec 31, 2024$5.2M4 Dec 31, 2023−6.2%
Accumulated depreciation$2.8M4 Dec 31, 2024$3.1M4 Dec 31, 2023−11.1%
Property and equipment, net$2.1M4 Dec 31, 2024$2.1M4 Dec 31, 2023+1.1%
Operating-lease assets (leased space)$1.6M4 Dec 31, 2024$852.0K4 Dec 31, 2023+83.9%

Investments

ItemLatestA year beforeChange
Loans, net of allowance$344.8M4 Dec 31, 2024$321.4M4 Dec 31, 2023+7.3%
Deposits held (banks)$354.2M4 Dec 31, 2024$333.0M4 Dec 31, 2023+6.4%

Properties, in its own words

As of December 31, 2024, the net book value of our office properties (including leasehold improvements) was $1.1 million. The following table sets forth information regarding our offices.

Location · Leased or Owner · Year Acquired or Leased · Net Book Value of Real Property

The rest of Item 2

Main Office:

Coatesville · Leased · 2022 · —

Other Properties:

New Holland (1) · Owned · 1995 · 499,000

Oxford (1) · Leased · 2024 · —

Christiana (1) · Owned · 2005 · 443,000

Harrisburg (2) · Leased · 2021 · —

Lancaster (3) · Leased · 2024 · —

(1) Branch location.

(2) Loan production office.

(3) Administrative office.

Item 2 of the 10-K filed Mar 28, 2025.3

Leadership

Who has led PB Bankshares, Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Janak M. Amin2021–now

President

  1. Janak M. Amin2021–now

Chief financial officer

  1. Lindsay S. Bixler2021–now
2025
Board members and other officers (13)

Timeline

  1. Dec 11, 20258-K Shareholder vote24
  2. Oct 23, 20258-K Results of operations25
  3. Jul 23, 20258-K Results of operations26
  4. Jul 7, 20258-K Entered a material agreement; Regulation FD disclosure; Other events27
  5. May 29, 20258-K Shareholder vote28
  6. Apr 23, 20258-K Results of operations29
  7. Feb 26, 20258-K Results of operations30
  8. Feb 26, 20258-K Regulation FD disclosure31
  9. Jan 13, 20258-K Regulation FD disclosure32
  10. Oct 23, 20248-K Results of operations33
  11. Jul 29, 20248-K Entered a material agreement; Other events34
  12. Jul 24, 20248-K Results of operations35
  13. Jul 14, 2021New chief executive Janak M. Amin becomes CEO10

Calendar

When it reported results

  1. Oct 23, 2025Reported quarterly or annual results25
  2. Jul 23, 2025Reported quarterly or annual results26
  3. Apr 23, 2025Reported quarterly or annual results29
  4. Feb 26, 2025Reported quarterly or annual results30
  5. Oct 23, 2024Reported quarterly or annual results33
  6. Jul 24, 2024Reported quarterly or annual results35
  7. Apr 24, 2024Reported quarterly or annual results36
  8. Oct 26, 2023Reported quarterly or annual results37

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

152 filings to the SEC since October 2021: 5 annual reports, 13 quarterly reports, 39 major events, 80 insider forms, 4 large holders, 11 other. The latest 20:

  1. Feb 17, 2026SCHEDULE 13G/A EDGAR
  2. Feb 5, 202615-12G FORM 15-12(G) EDGAR
  3. Jan 6, 20264 EDGAR
  4. Jan 6, 20264 EDGAR
  5. Jan 6, 20264 EDGAR
  6. Jan 6, 20264 EDGAR
  7. Jan 6, 20264 EDGAR
  8. Jan 6, 20264 EDGAR
  9. Jan 6, 20264 EDGAR
  10. Jan 6, 20264 EDGAR
  11. Jan 6, 20264 EDGAR
  12. Jan 6, 20264 EDGAR
  13. Jan 6, 20264 EDGAR
  14. Jan 6, 20264 EDGAR
  15. Jan 6, 20264 EDGAR
  16. Jan 6, 20264 EDGAR
  17. Dec 16, 20254 EDGAR
  18. Dec 12, 20254 EDGAR
  19. Dec 12, 20254 EDGAR
  20. Dec 12, 20254 EDGAR

The 152 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

45 open-market trades by officers, directors and large owners since October 2021: 45 buys and 0 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Jul 31, 2025Carroll Joseph WDirectorBuy1,000$18.10$18.1KForm 4
Jul 30, 2025Carroll Joseph WDirectorBuy321$18.41$5.9KForm 4
Jul 29, 2025Carroll Joseph WDirectorBuy671$18.38$12.3KForm 4
Mar 4, 2024BYERS DOUGLAS LChief Banking OfficerBuy632$14.10$8.9KForm 4
May 11, 2023AMIN JANAK MPresident and CEOBuy1,436$11.72$16.8KForm 4
May 10, 2023AMIN JANAK MPresident and CEOBuy21$11.74$247Form 4
May 10, 2023Sayre William HEVP, Chief Credit/Risk OfficerBuy1,165$11.98$14.0KForm 4
May 9, 2023AMIN JANAK MPresident and CEOBuy1,543$11.49$17.7KForm 4
May 5, 2023Bixler Lindsay SChief Financial OfficerBuy1,277$11.49$14.7KForm 4
May 4, 2023Carroll Joseph WDirectorBuy1,000$11.15$11.1KForm 4
May 3, 2023BYERS DOUGLAS LChief Banking OfficerBuy850$11.90$10.1KForm 4
May 2, 2023Witt LarryChief Info. & Oper. OfficerBuy125$12.25$1.5KForm 4
May 2, 2023Carroll Joseph WDirectorBuy1,000$12.01$12.0KForm 4
May 1, 2023Carroll Joseph WDirectorBuy1,900$12.49$23.7KForm 4
May 1, 2023AMIN JANAK MPresident and CEOBuy571$12.58$7.2KForm 4
Apr 28, 2023Carroll Joseph WDirectorBuy1,109$12.57$13.9KForm 4
Apr 28, 2023AMIN JANAK MPresident and CEOBuy1,429$12.55$17.9KForm 4
Nov 14, 2022Sayre William HEVP, Chief Credit/Risk OfficerBuy6,300Form 4
Sep 1, 2022AMIN JANAK MPresident and CEOBuy1,000$13.19$13.2KForm 4
Jun 13, 2022Carroll Joseph WDirectorBuy1,000$12.81$12.8KForm 4

All 45 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

SEC filer profile

How PB Bankshares, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARPB Bankshares, Inc.1
  • CIK0001849670
  • Employer ID (EIN)86-39477943
  • Filer statusNon-accelerated filer an emerging growth company; a smaller reporting company; not a shell company3
  • Incorporated inMaryland3
  • Fiscal year endsDecember 311
  • Industry code (SIC)6036 Savings Institutions, Not Federally Chartered1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address185 E. Lincoln Highway, Coatesville, PA 193201
  • Phone(610) 384-82821
  • Shares outstanding2,552,320 as of Nov 13, 20259
  • Public float$28.5M as of Jun 30, 20243
  • AuditorYOUNT, HYDE & BARBOUR, P.C., Winchester, Virginia PCAOB ID 613; no auditor attestation of internal control over financial reporting3
  • On EDGAR sinceMar 12, 20211
  • Filings189 in all: 4 (81), 8-K (43), 10-Q (15), 3 (14), 10-K (4), DEF 14A (4), ARS (3), CORRESP (3)1
    All 26 form types

    3/A (2), S-1/A (2), SC 13G/A (2), SCHEDULE 13G (2), 10-K/A (1), 15-12G (1), 25-NSE/A (1), 424B3 (1), 425 (1), 8-A12B (1), CERT (1), DEFM14A (1), EFFECT (1), S-1 (1), S-8 (1), SC 13G (1), SCHEDULE 13G/A (1), UPLOAD (1)

  • Latest filingsAnnual report (10-K) Mar 28, 2025
    Quarterly report (10-Q) Nov 14, 2025
    Proxy statement (DEF 14A) Apr 23, 2025
    Latest 8-K (8-K) Dec 11, 2025

Securities registered for trading

ClassSymbolExchange
Common Stock, $0.01 Par Value per SharePBBKThe Nasdaq Stock Market, LLC

From the cover page of the 10-K filed Mar 28, 2025 (Section 12(b) of the Exchange Act).3

Risk factors and legal proceedings

The risks PB Bankshares, Inc. names in Item 1A of its 10-K filed Mar 28, 2025: 1 risk under these headings, as written.3

  • Not required for smaller reporting companies.

Legal proceedings

From time to time, we are a party to various litigation matters incidental to the conduct of our business. As of December 31, 2024, we do not believe that any currently pending legal proceedings will have a material adverse effect on our business, financial condition or results of operations.

The opening of Item 3, Legal Proceedings.3

Sources

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