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RBB Bancorp (RBB) investor relations material
RBB Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Net income for Q3 2025 was $10.1 million ($0.59 per share), up from $9.3 million in Q2 2025 and $7.0 million in Q3 2024, driven by core earnings growth, higher net interest income, and lower credit costs.
Return on average assets improved to 0.97%, and tangible book value per share increased to $25.89, a 12% annualized rise.
Total assets reached $4.2 billion, with loan growth of $67.9 million (8.3% annualized) and deposit growth of $178.3 million (22.2% annualized).
Nonperforming and substandard loans declined significantly, reflecting improved credit quality.
Quarterly cash dividend of $0.16 per share declared.
Financial highlights
Net interest income rose for the fifth consecutive quarter to $29.3 million, with net interest margin expanding to 2.98%.
Noninterest expense decreased by $1.8 million to $18.7 million, mainly due to lower legal and professional costs.
Efficiency ratio was 57.36% for Q3 2025.
Return on average equity was 7.85%, and return on tangible common equity was 9.16%.
Noninterest income was $3.3 million, down from $8.5 million in Q2 due to a one-time ERC refund.
Outlook and guidance
Margin expansion is anticipated to continue, supported by strong loan origination yields and potential funding cost reductions if rates decline.
Management expects the annual effective tax rate for 2025 to be 26% to 27%.
Focus remains on disciplined loan growth, deposit gathering, and maintaining strong capital and asset quality.
Quarterly non-interest expense expected in the $18–$19 million range, with a focus on keeping operating costs below 2% of average assets.
Loan growth pipeline remains healthy, though Q4 may see moderation due to seasonality.
Next steps for significant nonaccrual loan resolution
Capital allocation priorities beyond buybacks?
How will NIM react to further rate cuts?
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Next RBB Bancorp earnings date
Q4 20253 Feb, 2026
Next RBB Bancorp earnings date
Q4 20253 Feb, 2026
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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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