RBB Bancorp
For the period ended Dec 31, 2025. Filed Mar 9, 2026.
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FY2025 · Filed Mar 9, 2026
RBB$26.05+1.3%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Balance Sheets
AS OF DECEMBER 31,
(In thousands, except for share data)
| 2025 | 2024 | |
|---|---|---|
| Assets | ||
| Cash and due from banks | $27,086 | $27,747 |
| Interest-earning deposits in other financial institutions | 185,231 | 229,998 |
| Cash and cash equivalents | 212,317 | 257,745 |
| Interest-earning time deposits in other financial institutions | 600 | 600 |
| Securities: | ||
| Available for sale (amortized cost of $426,145 and $449,416 at December 31, 2025 and December 31, 2024) | 407,204 | 420,190 |
| Held to maturity (fair value of $4,103 and $4,948 at December 31, 2025 and December 31, 2024) | 4,184 | 5,191 |
| Loans held for sale | 2,067 | 11,250 |
| Loans held for investment | 3,314,301 | 3,053,230 |
| Allowance for loan losses | (43,888) | (47,729) |
| Loans held for investment, net of allowance for loan losses | 3,270,413 | 3,005,501 |
| Premises and equipment, net | 23,540 | 24,601 |
| Federal Home Loan Bank ("FHLB") stock | 15,000 | 15,000 |
| Net deferred tax assets | 16,347 | 19,055 |
| Income tax receivable | 17,483 | 10,311 |
| Cash surrender value of bank owned life insurance ("BOLI") | 61,972 | 60,296 |
| Goodwill | 71,498 | 71,498 |
| Right-of-use assets - operating leases | 23,026 | 28,048 |
| Accrued interest and other assets | 82,643 | 63,191 |
| Total assets | $4,208,294 | $3,992,477 |
| Liabilities and Shareholders’ Equity | ||
| Deposits: | ||
| Noninterest-bearing demand | $526,538 | $563,012 |
| Savings, NOW and money market accounts | 956,299 | 663,034 |
| Time deposits $250,000 and under | 974,670 | 1,007,452 |
| Time deposits over $250,000 | 892,891 | 850,291 |
| Total deposits | 3,350,398 | 3,083,789 |
| Reserve for unfunded commitments | 484 | 729 |
| FHLB advances | 130,000 | 200,000 |
| Long-term debt, net of issuance costs | 119,911 | 119,529 |
| Subordinated debentures (net of unamortized valuation reserve of $2,152 and $2,371 at December 31, 2025 and December 31, 2024) | 15,375 | 15,156 |
| Lease liabilities - operating leases | 24,800 | 29,705 |
| Accrued interest and other liabilities | 43,916 | 35,692 |
| Total liabilities | 3,684,884 | 3,484,600 |
| Shareholders' equity: | ||
| Preferred Stock - 100,000,000 shares authorized, no par value; none outstanding | — | — |
| Common Stock - 100,000,000 shares authorized, no par value; 17,057,397 shares issued and outstanding at December 31, 2025 and 17,720,416 shares issued and outstanding at December 31, 2024 | 250,694 | 259,957 |
| Additional paid-in capital | 3,941 | 3,645 |
| Retained earnings | 282,024 | 264,460 |
| Non-controlling interest | 72 | 72 |
| Accumulated other comprehensive loss, net | (13,321) | (20,257) |
| Total shareholders’ equity | 523,410 | 507,877 |
| Total liabilities and shareholders’ equity | $4,208,294 | $3,992,477 |
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