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RBB Bancorp
RBB Bancorp (RBB) investor relations material
RBB Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Net income for Q4 2025 was $10.2 million ($0.59 per share), up 132% year-over-year and stable sequentially, with full-year net income at $31.9 million ($1.83 per share), up 24.5% from 2024.
Annual loan growth reached 8.6%, with originations up 32% year-over-year and a healthy pipeline supporting optimism for continued high single-digit growth in 2026.
Deposit growth was robust at 8.6–9% year-over-year, driven by retail and business relationships, supporting loan growth and reducing reliance on FHLB advances.
Asset quality improved, with nonperforming loans down 45% and nonperforming assets down 34% year-over-year.
Tangible book value per share rose 7.8% to $26.42, with over $25 million returned to shareholders via dividends and buybacks.
Financial highlights
Net interest income for Q4 2025 was $29.5 million, up 13.6% year-over-year; full-year net interest income grew 13% to $112.3 million.
Net interest margin for Q4 was 2.99%, up 23 bps year-over-year; full-year NIM was 2.95%.
Pre-tax, pre-provision income for Q4 2025 was $13.4 million, up 21% year-over-year; full-year PTPP income rose 15.3%.
Efficiency ratio improved to 58.7% in Q4 2025 and 59.36% for the year.
Loans held for investment grew $261.1 million (8.6%) year-over-year.
Outlook and guidance
Management expects continued high single-digit loan growth and incremental improvement in deposit costs in 2026, though competition remains intense.
First quarter expenses will rise due to seasonal factors, then stabilize at $18–$19 million per quarter.
Effective tax rate for 2026 is expected between 27% and 28%; 2025 effective tax rate was 24.2%.
Ongoing resolution of non-performing assets is expected to further improve credit metrics and support NIM expansion.
Management remains optimistic about future quarters and credit quality improvement.
Future NIM outlook given deposit cost trends
Details on the large CRE loan charge-off resolution?
Deposit mix shift strategy and funding impact
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Next RBB Bancorp earnings date
Q1 202628 Apr, 2026
RBB Bancorp
Next RBB Bancorp earnings date
Q1 202628 Apr, 2026
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Frequently asked questions
RBB Bancorp is a bank holding company that operates through its subsidiary, Royal Business Bank. The company offers commercial banking services including loans, deposits, and trade finance products, with a focus on serving Asian-American communities and small to medium-sized businesses. Its network includes branches in several metropolitan areas across the United States. The company is headquartered in Los Angeles, California, and its shares are listed on the NASDAQ.
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