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RBB Bancorp (RBB) investor relations material
RBB Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Net income for Q2 2025 was $9.3M ($0.52/share), up from $2.3M in Q1, aided by a $5.2M Employee Retention Credit (ERC) refund and strong loan growth.
Net interest margin expanded to 2.92%, up from 2.88% in Q1 and 2.67% in Q2 2024.
Tangible book value per share increased to $25.11, and return on average assets rose to 0.93%.
Asset quality improved, with nonperforming assets down to $61M and NPLs at $56.8M (1.76% of loans).
Quarterly dividend of $0.16 per share declared.
Financial highlights
Net interest income rose to $27.3M, up from $26.2M in Q1, driven by loan growth and stable yields above 6%.
Noninterest income surged to $8.5M, mainly due to the ERC refund and higher loan sale gains.
Noninterest expense increased to $20.5M, with $1.2M in ERC advisory costs and higher compensation.
Efficiency ratio improved to 57.2% from 65.1% in Q1.
Book value per share rose to $29.25 at June 30, 2025.
Outlook and guidance
Management expects continued loan growth, focus on credit quality, and stable loan yields to support net interest income.
Noninterest expenses projected to normalize to an $18M annualized run rate in future quarters.
Deposit costs likely to stabilize absent rate cuts, with potential for incremental margin improvement.
Management expects lower effective tax rate due to California tax law change.
Loan sale activity may increase in the second half of the year to manage loan-to-deposit ratio.
Assess sustainability of dual growth/NPL path.
Explain drivers of noninterest-bearing deposit growth.
Detail credit control changes for special mention loans.
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Next RBB Bancorp earnings date
Q3 202521 Oct, 2025
Next RBB Bancorp earnings date
Q3 202521 Oct, 2025
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Frequently asked questions
RBB Bancorp is a bank holding company that operates through its subsidiary, Royal Business Bank. The company offers commercial banking services including loans, deposits, and trade finance products, with a focus on serving Asian-American communities and small to medium-sized businesses. Its network includes branches in several metropolitan areas across the United States. The company is headquartered in Los Angeles, California, and its shares are listed on the NASDAQ.
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