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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.
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Q3 2025 earnings summary21 Oct, 2025

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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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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