CBB Bancorp Inc · OTC:CBBI
CBB Bancorp — Q3 2026 Earnings Presentation
12 slides from CBB Bancorp's earnings presentation, October 2026
Slide 1: 3Q 2026 Overview and Financial Results
3Q 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) 09/30/25 12/31/25 03/31/26 06/30/26 09/30/26 Total Assets $1,962,442 $2,007,026 $1,990,898 $1,966,303 $1,920,931 $1,962,442 $2,007,026 $1,990,898 $1,966,303 $1,920,931 Loans Receivable¹ 1,447,632 1,462,839 1,466,746 1,524,027 1,586,036 Core
Slide 4: Loan Trends
Loan Trends Loan Composition Average Loan Balance & Average Loan Yield ($ In thousands) ($ In thousands) $1,586,036 $1,559,686 $1,524,027 $1,501,200 $1,447,632 $1,462,839 $1,466,746 $29,444 $1,463,183 $1,475,995 $1,482,057 $33,623 $157,992 $40,195 $36,484 $35,178 $147,941 $134,858 $144,616 $150,003
Slide 5: Loan Composition
Loan Composition Total C&I Loan Composition Total Gross Loan Composition Other, $5,384 Construction, 1.3% Consumer, 1.8% Revolving, SBA, $41,252 $38,281 Commercial and Industrial, 10.0% Term, $30,330 Commercial Real Estate, 86.9% Total CRE Loan Composition SFR, $71,820 Owner Occupied, $340,196 SBA,
Slide 6: CRE Loan Stratification
CRE Loan Stratification Composition By Location* Composition By Property Type* Warehouse 10% Retail-Others Medical 18% 3% Office Other States 25% 5% LA County Mixed Use 34% 6% Hawaii Apartment Hotel/Motel 3% 7% 18% Nevada 1% Texas 9% Other California Orange County Retail-Shopping San Counties Bernar
Slide 7: Asset Quality Trends
Asset Quality Trends Nonperforming Assets¹ / Total Assets Classified Assets¹ / Capital 12.49% 11.37% 11.34% 10.65% 10.01% 1.33% 1.08% 1.14% 1.10% 0.84% 09/30/25 12/31/25 03/31/26 06/30/26 09/30/26 09/30/25 12/31/25 03/31/26 06/30/26 09/30/26 Net Charge-Offs / Avg Loans Allowance for Credit Losses /
Slide 8: Deposit Trends
Deposit Trends Deposit Composition Average Interest-Bearing Deposits & Cost of Deposits ($ In thousands) ($ In thousands) $1,707,327 $1,686,455 $1,666,271 $1,663,357 $1,618,243 $307,588 $1,415,489 $286,096 $315,556 $309,028 $1,382,010 $1,352,315 1,342,631 $347,699 $1,239,255 $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) $8,341 $16,593 $7,280 $15,779 $15,707 $15,421 $7,127 $6,773 $14,880 $6,443 5,670 4,897 5,09
Slide 10: Noninterest Income and NII/AA
Noninterest Income and NII/AA Noninterest Income Noninterest Income & NII/AA¹ ($ In thousands) ($ In thousands) $3,642 $3,642 $481 $3,085 $3,085 $702 $373 $2,310 $2,310 $774 $1,851 $1,817 $510 $1,851 $1,817 $498 $428 $750 $2,459 0.75% $587 $705 $1,938 0.63% 0.47% $1,050 0.40% 0.36% $648 $802 09/30/2
Slide 11: Noninterest Expense and NIE/AA
Noninterest Expense and NIE/AA Noninterest Expense & FTE Noninterest Expense, Efficiency Ratio & NIE/AA¹ ($ In thousands) ($ In thousands) $11,726 $11,726 $11,032 $11,175 $11,032 $11,175 $10,808 $10,808 $10,133 $10,133 $2,414 $2,255 $2,259 $2,485 $2,044 $622 $519 $517 $472 $699 $380 $418 $399 $397 $
Slide 12: Capital Trend
Capital Trend Return on Average Assets and Return on Tangible Common Equity Per Share¹ and Average Equity Diluted Earnings Per Share $27.00 $25.91 $26.18 $3.00 $25.16 $25.57 $24.85 $25.00 $2.50 8.49% $23.00 $2.00 6.83% 6.69% 7.16% 7.25% $21.00 $1.50 $19.00 $0.53 $0.48 $1.00 $0.43 $0.42 $0.46 0.98% 0