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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.Executive summary
Net income for Q3 2025 was $10.1 million ($0.59 per share), up 8.7%–9% sequentially and 45% year-over-year, driven by core earnings growth and lower credit costs.
Return on average assets improved to 0.97% from 0.93% in the prior quarter.
Tangible book value per share increased to $25.89, a 12% annualized increase.
Annualized loan growth reached 8%, with total deposits increasing 22% annualized to $3.37 billion.
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 from lower legal and professional costs.
Efficiency ratio was 57.36% for Q3 2025.
Book value per share rose to $30.18.
Return on average tangible common equity was 9.16%.
Outlook and guidance
Quarterly non-interest expense expected in the $18–$19 million range, with a focus on keeping operating costs below 2% of average assets.
Margin expansion is anticipated to continue, supported by strong loan origination yields and potential funding cost reductions if rates decline.
Loan growth pipeline remains healthy, though Q4 may see moderation due to seasonality.
Management highlights strong capital ratios and ongoing focus on asset quality improvement.
Annual effective tax rate for fiscal 2025 estimated at 26% to 27%.
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