Andrew Terrell

Brendan Nosal

Kelly Motta

Matthew Clark

Timothy Coffey

- RBB Bancorp reported **net income of $10.1 million**, or **$0.59 diluted earnings per share**, for the third quarter ended September 30, 2025, an **8.7% increase** from the previous quarter.  **[1499422_0001437749-25-031363_ex_861265.htm:0]** 
- The company's **net interest margin expanded to 2.98%** in Q3 2025, up from 2.92% in Q2 2025, and its **return on average assets was 0.97%**.  **[1499422_0001437749-25-031363_ex_861265.htm:0]** 
- **Loans held for investment grew by $67.9 million (8.3% annualized)**, and **total deposits increased by $178.3 million (22.2% annualized)** as of September 30, 2025.  **[1499422_0001437749-25-031363_ex_861265.htm:0]** **[1499422_0001437749-25-031363_ex_861265.htm:2]** 
- Credit quality improved with **classified and criticized loans decreasing by $56.1 million (30.8%) to $126.2 million**, and **nonperforming assets decreasing by $6.7 million (11.0%) to $54.3 million** at September 30, 2025.  **[1499422_0001437749-25-031363_ex_861265.htm:0]** 
- The Board of Directors declared a **quarterly cash dividend of $0.16 per common share** and the company completed **common stock repurchases totaling $12.5 million**.  **[1499422_0001437749-25-031363_ex_861265.htm:0]** **[1499422_0001437749-25-031363_ex_861265.htm:4]**

RBB Bancorp Reports Strong Q3 2025 Earnings and Declares Dividend

- RBB Bancorp reported **diluted earnings per share of $0.59** and **net income of $10.148 million** for Q3 2025.  **[0001499422_2192321:7]** 
- The company achieved **8% annualized loan growth** and a **22% annualized increase in deposits**, with a **Net Interest Margin (NIM) of 2.98%**.  **[0001499422_2192321:7]** **[0001499422_2192321:9]** 
- Asset quality improved significantly, with **Nonperforming Loans (NPLs) decreasing by $11.3 million, or 20%**, leading to an NPLs/Total Loans ratio of **1.38%**.  **[0001499422_2192321:7]** **[0001499422_2192321:13]** 
- Capital ratios remained strong, including a **Common Equity Tier 1 (CET1) Ratio of 17.28%** and a **Tangible Common Equity to Tangible Assets Ratio of 10.67%**.  **[0001499422_2192321:7]** **[0001499422_2192321:18]** 
- During the quarter, RBB Bancorp invested **$12.5 million** in its common stock buyback program.  **[0001499422_2192321:7]** **[0001499422_2192321:18]**

RBB Bancorp Reports Q3 2025 Financial Results with Increased Earnings and Improved Asset Quality

- RBB Bancorp's **net income** increased **8.7%** to **$10.1 million**, or **$0.59 diluted earnings per share**, for the third quarter of 2025, compared to the second quarter of 2025.  **[1499422_a76288f261f34e15814ca2e35921f9c3_0]** 
- The company's **net interest margin** expanded to **2.98%** in the third quarter of 2025, up from 2.92% in the second quarter of 2025.  **[1499422_a76288f261f34e15814ca2e35921f9c3_0]** 
- **Loans held for investment** grew by **$67.9 million**, an **8.3% annualized** increase, during the third quarter of 2025.  **[1499422_a76288f261f34e15814ca2e35921f9c3_0]** 
- RBB Bancorp repurchased **$12.5 million** in common stock and reduced **nonperforming assets** by **11.0%** to **$54.3 million** at September 30, 2025.  **[1499422_a76288f261f34e15814ca2e35921f9c3_0]** 
- **Book value** and **tangible book value per share** increased to **$30.18** and **$25.89**, respectively, at September 30, 2025.  **[1499422_a76288f261f34e15814ca2e35921f9c3_0]**

RBB Bancorp (RBB)