The earnings call highlighted strong loan growth and an increase in net interest margin, supported by an employee retention credit refund. However, challenges such as the increase in criticized and classified assets, higher noninterest expenses, and concerns about the loan-to-deposit ratio present notable risks.

Company Guidance

During the RBB Bancorp second quarter 2025 earnings call, several key financial metrics and guidance points were highlighted. The company reported a net income of $9.3 million, or $0.52 per share, benefiting from a $2.9 million after-tax net income from an employee retention tax credit refund. Loan growth was strong, with loans held for investment increasing by $92 million, or 12% on an annualized basis. Mortgage originations contributed $120 million, supporting total loan originations of $183 million at a blended yield of 6.76%. Net interest income increased by $1.2 million, leading to a net interest margin (NIM) increase of 4 basis points to 2.92%. Despite some charge-offs, no increase was observed in total nonperforming loans, with net charge-offs at $3.3 million. The allowance for loan losses to total loans ratio stood at 1.58%. Deposit growth was at a 6% annualized rate, reaching $3.2 billion. Operating expenses were adjusted to an expected future quarterly run rate of $18 million. The company also announced an $18 million stock buyback program, reflecting confidence in its financial position and stock valuation.

Solid Loan Growth

Loans held for investment grew by $92 million or 12% on an annualized basis, with growth in almost all categories. The in-house mortgage origination business originated $120 million of mortgages in the second quarter.

Net Interest Margin Increase

Net interest margin increased to 2.92% and has increased by 25 basis points over the last 4 quarters.

Employee Retention Credit Refund

The second quarter results benefited from a $5.2 million employee retention credit refund, contributing to a net income of $9.3 million or $0.52 per diluted share.

Strong Capital Levels

Capital levels remained strong with all capital ratios above regulatory well-capitalized levels, and tangible book value per share increased to $25.11.

Rbb Bancorp (RBB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

RBB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 27, 2025	2025 (Q3)	0.41 / -	0.39	―	―	―
Jul 21, 2025	2025 (Q2)	0.36 / 0.29	0.39	-24.36% (-0.10)
Apr 28, 2025	2025 (Q1)	0.38 / 0.13	0.43	-69.77% (-0.30)
Feb 03, 2025	2024 (Q4)	0.36 / 0.25	0.437	-42.79% (-0.19)
Oct 21, 2024	2024 (Q3)	0.38 / 0.39	0.451	-13.53% (-0.06)
Jul 22, 2024	2024 (Q2)	0.34 / 0.39	0.58	-32.76% (-0.19)
Apr 22, 2024	2024 (Q1)	0.34 / 0.43	0.58	-25.86% (-0.15)
Jan 22, 2024	2023 (Q4)	0.35 / 0.44	0.92	-52.50% (-0.48)
Oct 23, 2023	2023 (Q3)	0.49 / 0.45	0.87	-48.16% (-0.42)
Jul 24, 2023	2023 (Q2)	0.57 / 0.58	0.8	-27.50% (-0.22)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

RBB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 21, 2025	$18.09	$18.80	+3.92%
Apr 28, 2025	$15.36	$15.64	+1.82%
Feb 03, 2025	$18.18	$18.20	+0.11%
Oct 21, 2024	$22.44	$22.04	-1.78%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Rbb Bancorp (RBB) report earnings?

Rbb Bancorp (RBB) is schdueled to report earning on Oct 27, 2025, After Close (Confirmed).

What is Rbb Bancorp (RBB) earnings time?

Rbb Bancorp (RBB) earnings time is at Oct 27, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is RBB EPS forecast?

RBB EPS forecast for the fiscal quarter 2025 (Q3) is 0.41.

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