RBB Bancorp (RBB) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Greetings and welcome to the RBB Bank Corp fourth quarter 2025 earnings conference call. At this time all participants are on a listen only mode and a question and answer session will follow the formal presentation. If anyone should require operator assistance during the conference please press star zero on your telephone keypad. And please note, this conference is being recorded. I will now turn the conference over to your host, Rebecca Rico, financial analyst. Ma'am, the floor is yours. Thank you, Ali. Good day, everyone, and thank you for joining us to discuss RBB Bancorp's results for the fourth quarter of 2025. With me today, our president and CEO, Johnny Lee, Chief Financial Officer Lynn Hopkins, Chief Credit Officer Jeffrey Yeh, and Chief Operations Officer Gary Fan. Johnny and Lynn will briefly summarize the results, which can be found in the earnings press release and investor presentation. They're available on our investor relations website. And then we'll open up the call to your questions. I would ask that everyone please refer to the disclaimer regarding forward-looking statements in the investor presentation and the company's SEC filings. Now I'd like to turn the call over to RBB Bancorp's President and Chief Executive Officer, Johnny Lee. Johnny? Thank you, Rebecca. Good day, everyone, and thank you for joining us today. The fourth quarter was a strong finish to 2025 with solid loan growth, improving performance ratios, and normalizing credit. The entire RBV team continues to work hard to return the bank to its historic performance, and I'm very proud of what the team has accomplished. We still have work to do with respect to resolving remaining non-performing assets, but we're confident that we've turned the corner on credit and that performance will ...