RBB Bancorp

For the period ended Dec 31, 2025. Filed Mar 9, 2026.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Mar 9, 2026

RBB$26.09+0.2%Stored close · as of Nov 10, 2026

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Contents

Consolidated Statements of Income

FOR THE YEAR ENDED DECEMBER 31,

(In thousands, except share and per share data)

	2025	2024	2023
Interest, fees and dividend income:
Loans	$193,849	$184,567	$194,264
Interest-earning deposits	7,931	15,422	10,746
Investment securities	17,081	14,331	14,028
FHLB stock	1,312	1,314	1,125
Federal funds sold and other	953	1,027	985
Total interest and dividend income	221,126	216,661	221,148
Interest expense:
Savings deposits, NOW and money market accounts	19,025	19,295	12,205
Time deposits	78,074	89,086	76,837
Long-term debt and subordinated debentures	6,524	6,699	9,951
FHLB advances	5,221	2,217	2,869
Total interest expense	108,844	117,297	101,862
Net interest income before provision for credit losses	112,282	99,364	119,286
Provision for credit losses	10,358	9,857	3,362
Net interest income after provision for credit losses	101,924	89,507	115,924
Noninterest income:
Service charges and fees	4,187	4,115	4,172
Loan servicing income, net of amortization	2,249	2,265	2,576
Increase in cash surrender value of BOLI	1,676	1,577	1,409
Gain on sale of loans	1,156	1,586	374
Gain on OREO	—	1,016	133
Other income	7,605	4,776	6,354
Total noninterest income	16,873	15,335	15,018
Noninterest expense:
Salaries and employee benefits	43,056	39,395	37,795
Occupancy and equipment expenses	9,644	9,803	9,629
Data processing	6,870	5,857	5,326
Legal and professional	7,470	4,453	8,198
Office expenses	1,734	1,455	1,512
Marketing and business promotion	863	864	1,132
Insurance and regulatory assessments	2,924	3,298	3,165
Core deposit premium amortization	672	784	923
Other expenses	3,430	3,254	3,016
Total noninterest expense	76,663	69,163	70,696
Net income before income taxes	42,134	35,679	60,246
Income tax expense	10,186	9,014	17,781
Net income	$31,948	$26,665	$42,465
Net income per share
Basic	$1.83	$1.47	$2.24
Diluted	$1.83	$1.47	$2.24
Weighted-average common shares outstanding
Basic	17,435,027	18,121,764	18,965,346
Diluted	17,500,330	18,183,319	18,985,233

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.