CBB Bancorp Inc · OTC:CBBI
CBB Bancorp — Q2 2026 Earnings Presentation
12 slides from CBB Bancorp's earnings presentation, August 2026
Slide 1: 2Q 2026 Overview and Financial Results
2Q 2026 Overview and Financial Results
Slide 2: Forward Looking Statements & Additional Disclosures
Forward Looking Statements & Additional Disclosures This news release contains a number of forward-looking statements. These statements may be identified by the use of words such as “anticipate,” “believe,” “continue,” “could,” “estimate,” “expect,” “intend,” “likely,” “may,” “outlook,” “plan,” “pot
Slide 3: Balance Sheet Highlights
Balance Sheet Highlights ($ In thousands) ($ In thousands) 06/30/25 09/30/25 12/31/25 03/31/26 06/30/26 Total Assets $1,814,826 $1,962,442 $2,007,026 $1,990,898 $1,966,303 $1,962,442 $2,007,026 $1,990,898 $1,966,303 Loans Receivable¹ 1,462,102 1,447,632 1,462,839 1,466,746 1,524,027 $1,814,826 Core
Slide 4: Loan Trends
Loan Trends Average Loan Balance & Average Loan Yield Loan Composition ($ In thousands) ($ In thousands) $1,524,027 $1,462,102 $1,462,839 $1,466,746 $1,475,995 $1,482,057 $1,501,200 $1,447,632 $29,733 $1,461,584 $1,463,183 $36,795 $36,647 $32,312 $31,380 $147,941 $139,908 $134,858 $144,616 $150,003
Slide 5: Loan Composition
Loan Composition Total C&I Loan Composition Total Gross Loan Composition Other, $5,236 Construction, 1.3% Revolving, Consumer, 2.2% $34,045 SBA, $41,507 Commercial and Industrial, 9.7% Term, $30,129 Total CRE Loan Composition Commercial Real Estate, 86.8% SFR, $80,178 Owner Occupied, $344,350 SBA, $
Slide 6: CRE Loan Stratification
CRE Loan Stratification Composition By Property Type * Composition By Location* Warehouse 10% Retail-Others Medical 19% 3% Other States Office 23% 5% LA County Mixed Use 36% 6% Hawaii Hotel/Motel 3% Apartment 15% 7% Texas Nevada 1% 9% Retail-Shopping Other 10% California San Orange County Gas Statio
Slide 7: Asset Quality Trends
Asset Quality Trends Nonperforming Assets¹ / Total Assets Classified Assets¹ / Capital 12.16% 12.49% 11.37% 10.65% 10.01% 1.08% 1.14% 1.10% 0.92% 0.84% 06/30/25 09/30/25 12/31/25 03/31/26 06/30/26 06/30/25 09/30/25 12/31/25 03/31/26 06/30/26 Net Charge-Offs / Avg Loans Allowance for Credit Loss / Lo
Slide 8: Deposit Trends
Deposit Trends Deposit Composition Average Interest-Bearing Deposits & Cost of Deposits ($ In thousands) ($ In thousands) $1,707,327 $1,686,455 $1,666,271 $1,663,357 $1,415,489 $1,382,010 $1,524,920 1,352,315 $286,096 $307,588 $315,556 $309,028 $1,239,255 $1,203,507 $319,858 $305,649 $310,147 $291,2
Slide 9: PTPP Income, Net Income, Net Interest Income, and Net Interest Margin
Pre-Tax Pre-Provision (PTPP) Income, Net Income, Net Interest Income (NII), and Net Interest Margin (NIM) PTPP Income & Net Income Net Interest Income¹ & Net Interest Margin¹ ($ In thousands) ($ In thousands) $15,779 $15,707 $15,421 $15,095 $14,880 $8,341 $7,280 $6,853 $6,773 $6,443 5,670 4,897 4,39
Slide 10: Noninterest Income and NII/AA
Noninterest Income and NII/AA Noninterest Income Noninterest Income & NII/AA¹ ($ In thousands) ($ In thousands) $3,642 $3,642 $481 $3,085 $3,085 $702 $373 $2,082 $774 $2,082 $1,851 $1,817 $1,851 $1,817 $383 $498 $428 $799 $2,459 0.75% $705 $587 $1,938 0.63% 0.47% $900 0.40% 0.36% $648 $802 06/30/25
Slide 11: Noninterest Expense and NIE/AA
Noninterest Expense and NIE/AA Noninterest Expense & FTE Noninterest Expense, Efficiency Ratio & NIE/AA¹ ($ In thousands) ($ In thousands) $11,032 $11,175 $11,032 $11,175 $10,808 $10,808 $10,276 $10,276 $10,133 $10,133 $2,255 $2,259 $2,485 $2,181 $2,044 $519 $517 $699 $380 $418 $619 $399 $404 $397 $
Slide 12: Capital Trend
Capital Trend Return on Average Assets and Return on Capital Ratios Average Equity 80.00% 70.00% 60.00% 20.13% 20.46% 20.22% 20.47% 19.94% 8.49% 50.00% 6.76% 6.83% 6.69% 7.16% 40.00% 18.98% 19.26% 19.03% 19.24% 18.73% 30.00% 18.98% 19.26% 19.03% 19.24% 18.73% 20.00% 0.98% 0.98% 0.89% 1.17% 1.00% 10.