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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 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%.
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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