Rbb Bancorp · NASDAQ:RBB
Rbb Bancorp — Q4 2025 Earnings Presentation
18 slides from Rbb Bancorp's earnings presentation, Jan 27, 2026
Slide 1: 2025 Fourth Quarter Earnings Results
NASDAQ: RBB 2025 Fourth Quarter Earnings Results January 26, 2026
Slide 2: Disclosure Statement
Disclosure Statement This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements often include the words “believes,” “expects,” “anticipates,” “estimates,” “forecasts,” “intends,” “plans,” “targets,” “po
Slide 3: 4th Quarter 2025 Financial Highlights
4th Quarter 2025 | Financial Highlights ($ in thousands, except per share data) 4Q24 3Q25 4Q25 QoQ YoY 4Q25 Highlights Earnings & Profitability Net Income Diluted Earnings Per Share (EPS) $ 0.25 $ 0.59 $ 0.59 $ - $ 0.34 $10.2 million - 132% increase YoY Net Interest Income $ 25,977 $ 29,277 $ 29,508
Slide 4: FY 2025 vs. FY 2024: Strong Financial Performance in 2025
FY 2025 vs. FY 2024 | Strong Financial Performance in 2025 ($ in thousands, except per share data) FY 2024 FY 2025 YoY Earnings & Profitability Diluted EPS $ 1.47 $ 1.83 $ 0.36 Net Interest Income $ 99,364 $ 112,282 13.0% Net Income $ 26,665 $ 31,948 19.8% PTPP Income(1) $ 45,536 $ 52,492 15.3% NIM
Slide 5: Strategically Managed Balance Sheet
Strategically Managed Balance Sheet Loan to Deposit Ratio ($ in thousands, except per share data) 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 100.0% 101.5% 98.9% 98.1% Cash and Due From Banks $ 258,345 $ 239,423 $ 192,452 $ 235,530 $ 212,917 $3,314 Available for Sale (AFS) Securities 420,190
Slide 6: Loan Portfolio Highlights
Loan Portfolio Highlights Diversified loan portfolio at 12/31/25 Loan Portfolio Composition as of 12/31/25 SFR - Mainly non-qualified mortgage loans CRE – Loans secured by commercial real estate, including multifamily and owner and non-owner occupied CRE C&D – Construction and land development
Slide 7: Business Line Profile: CRE | C&D
Business Line Profile: CRE | C&D CRE Loans CRE Loans at 12/31/25 ($ in thousands) % $1.30 billion Hotel/Motel $ 135,926 10.4% Single Other Warehouse and Industrial 119,013 9.1% Family Owner 3.1% Occupied Mixed Use 109,456 8.4% 11.8% Retail 94,716 7.3% Other Non-Owner Office 31,752 2.4% Occupied 27.9
Slide 8: Business Line Profile: Residential Mortgage Portfolio
Business Line Profile: Residential Mortgage Portfolio Distribution by Geography Distribution by LTV (1) <50% 50.01%<55% 55.01% - 60% SoCal NY NorCal IL NJ NV Other 60.01%-65% 65.01% - 70% >70% NV Other IL 1% 1% 3% NJ >70% 3% 5% NorCal 65.01% - 70% 7% 15% <50% 31% $1.66 billion SoCal 39% $497,214 Res
Slide 9: Business Line Profile: C&I | SBA
Business Line Profile: C&I | SBA C&I Loans SBA Loans C&I and SBA Portfolio ($mm) $140.1 million Shared $56.0 million Nat'l Guaranteed Credits 19.4% 1.8% Commercial Term $54.0 $50.7 $56.0 $56.0 23.9% Unguaranteed Secured by RE 34.4% $135.5 $138.3 $146.7 $140.1 Unguaranteed 504 Credit Lines Loans ⁽¹⁾
Slide 10: Asset Quality Metrics: Nonperforming Assets Declined
Asset Quality Metrics: Nonperforming Assets (NPAs) Declined 12/31/2025 9/30/2025 NPAs / Total Assets NPAs # $ # $ % Change ($ in thousands) $ in thousands $81,038 SFR 4 $ 2,144 5 $ 2,607 $64,550 CRE 3 8,157 3 8,548 $60,987 $4,170 $54,314 $53,462 $4,170 C&D 2 27,994 2 28,222 2.03% $8,830 $8,830 C&I 2
Slide 11: Asset Quality Metrics: Improvement in All Loan Risk Categories
Asset Quality Metrics : Improvement in All Loan Risk Categories Special Mention & Substandard Loans Special Mention & Substandard Loans by Type $182,336 $75,175 $ in thousands $165,665 $2,623 $ in thousands $140,651 $91,019 $126,229 $27,994 $100,336 $94,412 $76,372 $76,880 $19,829 $75,175 $91,317 $1
Slide 12: Allowance for Credit Losses, Credit Provisions and Credit Metrics
Allowance for Credit Losses, Credit Provisions and Credit Metrics Allowance for Loan Losses (ALL) $51,932 The allowance for loan losses (ALL) was $43.9 $ in Thousands $51,014 million, or 1.32% of loans HFI, at 12/31/25 $47,729 compared to $44.9 million, or 1.36% of loans HFI, at 9/30/25 $44,892 $43,
Slide 13: Deposits
Deposits Deposit Mix – QoQ Annualized Total Deposits at 12/31/25 $ in millions Wholesale +8% +6% +22% -2% deposits $3,366 $3,350 $3.35 billion 6.7% $3,084 $3,143 $3,188 $722 $721 $692 $956 $663 Time DDA $268 15.7% $147 $159 $184 deposits, $226 greater $828 $871 $920 $954 than $852 $250,000 25.4% Sav
Slide 14: Operating Expense & Efficiency
Operating Expense & Efficiency Noninterest Expense Total Revenue & Efficiency Ratio $20.49 65.09% $ in millions $18.52 $18.68 $18.97 61.48% 57.22% 58.69% $17.65 $2.42 57.36% $2.36 $2.40 $2.45 $2.46 $2.90 $1.52 $1.45 $1.60 $1.36 $1.60 $1.71 $1.81 $1.75 $1.50 $ in millions $2.41 $2.38 $2.43 $2.44 $2.4
Slide 15: Accumulation of Strong Company Capital Ratios
Accumulation of Strong Company Capital Ratios Returned $25.3 million to CET1 Capital Ratio Tangible Common Equity Ratio(1) stockholders in FY 2025 17.94% 17.87% through quarterly dividends 17.61% 17.28% 17.49% and stock repurchases 11.08% 11.10% 11.07% 10.67% 10.90% Increased book value and tangible
Slide 16: Appendix: Non-GAAP Reconciliations
Appendix: Non-GAAP Reconciliations 16
Slide 17: Non-GAAP Reconciliation: Tangible Common Equity and Tangible Assets
Non-GAAP Reconciliation: Tangible Common Equity and Tangible Assets Some of the financial measures included in this presentation are not measures of financial performance recognized by GAAP. These non-GAAP financial measures include “tangible common equity to tangible assets,” “tangible book value p
Slide 18: Non-GAAP Reconciliation: Pre-Tax Pre-Provision Income
Non-GAAP Reconciliation: Pre-Tax Pre-Provision Income Some of the financial measures included in this presentation are not measures of financial performance recognized by GAAP. These non-GAAP financial measures include “pre-tax pre-provision income.” Our management uses these non-GAAP financial meas