Rbb Bancorp · NASDAQ:RBB
Rbb Bancorp — Q1 2026 Earnings Presentation
18 slides from Rbb Bancorp's earnings presentation, Apr 21, 2026
Slide 1: 2026 First Quarter Earnings Results
NASDAQ: RBB 2026 First Quarter Earnings Results April 20, 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: 1st Quarter 2026 Financial Highlights
1st Quarter 2026 | Financial Highlights ($ in thousands, except per share data) 1Q25 4Q25 1Q26 QoQ YoY 1Q26 Highlights Earnings & Profitability Net Income Growth Diluted Earnings Per Share (EPS) $ 0.13 $ 0.59 $ 0.66 12% 408% $11.3 million - 11% increase QoQ Net Interest Income $ 26,163 $ 29,508 $ 30
Slide 4: Strategically Managed Balance Sheet
Strategically Managed Balance Sheet ($ in thousands, except per share data) 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 Loan to Deposit Ratio 100.0% 101.5% 98.1% 99.0% 99.6% Cash and Due From Banks $ 239,423 $ 192,452 $ 235,530 $ 212,917 $ 197,510 Available for Sale (AFS) Securities 378,188 4
Slide 5: Income Statement Trends
Income Statement Trends ($ in thousands, except per share data) 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 Net Income and Diluted EPS Interest and Fees on Loans $ 45,621 $ 47,687 $ 50,094 $ 50,447 $ 49,938 ($ in millions except per share amounts) $0.66 Interest on Investment Securities 4,136
Slide 6: Loan Portfolio Highlights
Loan Portfolio Highlights Diversified loan portfolio at 3/31/26 Loan Portfolio Composition as of 3/31/2026 SFR - Mainly non-qualified mortgage loans CRE – Loans secured by commercial real estate, including multifamily and owner and non-owner occupied CRE C&D – Construction and land development
Slide 7: Business Line Profile: CRE | C&D
Business Line Profile: CRE | C&D CRE Loans CRE Loans at 3/31/26 ($ in thousands) % $1.27 billion $ 138,842 10.9% Hotel/Motel Single Family Other Warehouse and Industrial 109,087 8.6% 2.5% Owner Occupied Mixed Use 105,749 8.3% 12.2% Retail 88,399 6.9% Other Non-Owner Office 33,524 2.6% Occupied 27.2%
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% 2% 3% NJ >70% 3% 4% NorCal 65.01% - 70% 7% 15% <50% 31% SoCal $1.68 billion 37% Residential
Slide 9: Business Line Profile: C&I | SBA
Business Line Profile: C&I | SBA C&I Loans SBA Loans C&I and SBA Portfolio ($mm) $152.9 million Shared $52.3 million $200.7 $205.2 Nat'l Guaranteed $194.2 $196.0 $186.2 Credits 14.0% 1.6% $54.0 $52.3 $50.7 $56.0 $56.0 Commercial Term 20.6% Unguaranteed Secured by RE 37.7% $135.5 $138.3 $146.7 $140.1
Slide 10: Asset Quality Metrics: Nonperforming Assets Declined
Asset Quality Metrics: Nonperforming Assets Declined 3/31/2026 12/31/2025 NPAs / Total Assets NPAs # $ # $ % Change $64,550 ($ in thousands) $60,987 $ in thousands $4,170 $54,314 $53,462 SFR 4 $ 1,507 4 $ 2,144 $4,170 $48,836 $8,830 $8,830 CRE 4 9,137 3 8,157 $4,268 C&D 2 27,694 2 27,994 C&I 2 5,116
Slide 11: Asset Quality Stabilized QoQ and Improved YoY
Asset Quality Stabilized QoQ and Improved YoY Special Mention & Substandard Loans Special Mention & Substandard Loans by Type $182,336 $72,494 $ in thousands $1,518 $ in thousands $140,651 $91,019 $126,229 $27,694 $94,412 $97,272 $76,372 $76,880 $24,778 $17,605 $75,175 $72,494 $91,317 $3,399 $64,279
Slide 12: Healthy Allowance For Credit Losses Coverage Ratio
Healthy Allowance For Credit Losses Coverage Ratio Allowance for Loan Losses (ALL) The allowance for loan losses (ALL) was $51,932 $ in Thousands $51,014 $43.7 million, or 1.31% of loans HFI, at 3/31/26 compared to $43.9 million, or 1.32% of loans HFI, at 12/31/25 $44,892 $43,888 $43,666 First quart
Slide 13: Deposits: Retail Deposit Growth Supports Net Loan Growth
Deposits: Retail Deposit Growth Supports Net Loan Growth Deposit Mix – QoQ Annualized Total Deposits at 3/31/26 $ in millions Wholesale +6% +22% -2% -1% deposits $3,366 $3,350 $3,340 4.9% $3,143 $3,188 $3.34 billion $722 $721 $692 $956 $1,176 Time DDA $268 deposits, $159 $184 15.8% $226 greater $164
Slide 14: Operating Expense & Efficiency
Operating Expense & Efficiency Noninterest Expense Total Revenue & Efficiency Ratio $20.49 65.09% $18.52 $18.68 $18.97 $19.26 57.36% 58.69% $2.42 57.22% 55.41% $2.36 $2.40 $2.45 $2.28 $2.90 $1.50 $1.52 $1.45 $1.60 $1.71 $1.81 $1.75 $1.71 $1.60 $ in millions $ in millions $2.41 $2.38 $2.43 $2.44 $2.5
Slide 15: Accumulation of Strong Company Capital Ratios
Accumulation of Strong Company Capital Ratios CET1 Capital Ratio Tangible Common Equity Ratio(1) Increased book value per share 8.1% and tangible 17.87% 17.61% 17.49% 17.85% 17.28% book value per share(1) 9.0% 11.10% 11.07% 10.90% 11.12% compared to 1Q25 10.67% Quarterly common stock 6.50% 6.50% 6.5
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