The earnings call highlighted strong loan growth, improved net interest margins, and increased deposits. However, there were concerns about increased substandard loans, higher noninterest expenses, and net charge-offs. The company remains optimistic about future loan growth and addressing criticized assets.

Company Guidance -

Q3 2025

During the RBB Bancorp Second Quarter 2025 earnings call, the company provided guidance on several financial metrics. The second quarter net income was reported at $9.3 million, or $0.52 per share, with a significant contribution from a $2.9 million after-tax net income from an employee retention tax credit refund. RBB Bancorp experienced a 12% annualized growth in loans held for investment, with total second quarter loan originations reaching $183 million at a blended yield of 6.76%. The net interest margin (NIM) increased by 4 basis points to 2.92%, marking the fourth consecutive quarter of NIM expansion. The company also noted that absent rate cuts, funding costs are likely to stabilize. Nonperforming loans did not increase, though criticized and classified assets saw some growth. The bank's total deposits rose at a 6% annualized rate, reaching $3.2 billion. A notable emphasis was placed on maintaining a strong loan origination pipeline and managing deposit growth to support funding needs.

Increased Net Income and Loan Growth

Second quarter net income totaled $9.3 million or $0.52 per share, supported by solid loan growth and stable asset yields. Loans held for investment grew by $92 million, or 12% on an annualized basis.

Strong Mortgage Origination Business

The in-house mortgage origination business originated $120 million of mortgages in the second quarter, contributing to total loan originations of $183 million at a blended yield of 6.76%.

Net Interest Margin Expansion

Net interest margin increased to 2.92%, marking an increase of 25 basis points over the last four quarters.

Employee Retention Credit Refund

Second quarter results benefited from a $5.2 million employee retention credit refund included in other income.

Deposit Growth

Total deposits increased at a 6% annualized rate from the first quarter to $3.2 billion, with growth in noninterest-bearing deposits and CDs.

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	$18.25	$18.97	+3.95%
Apr 28, 2025	$15.49	$15.78	+1.87%
Feb 03, 2025	$18.34	$18.36	+0.11%
Oct 21, 2024	$22.64	$22.23	-1.81%

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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