---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-23-001597"
form_type: "8-K"
ticker: "RBB"
cik: "0001499422"
company_name: "RBB Bancorp"
filed_at: "2023-01-23T23:59:59+00:00"
generated_at: "2026-06-20T11:42:44.492697+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# RBB Bancorp reports record Q4 net income $17.6M, $0.92 EPS; loans grow 14.1% annualized

## Summary
- Record Q4 net income $17.6M ($0.92 EPS), up 5.6% QoQ and 11.9% YoY.
- Loans grew $114.4M (14.1% annualized) to $3.3B; single-family residential production $130.8M.
- Net interest margin 4.26%, down 5bps QoQ; cost of interest-bearing deposits surged to 1.93% from 0.82%.
- Credit allowance $41.0M (1.23% of loans); nonperforming assets $12.1M (0.31% of assets).
- Company concluded all internal investigations; repurchased 48,896 shares at $20.77 avg.

## SEC filing metadata
- accession: 0001437749-23-001597
- form_type: 8-K
- ticker: RBB
- cik: 0001499422
- company_name: RBB Bancorp
- filed_at: 2023-01-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01, 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1499422/000143774923001597/0001437749-23-001597-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1499422/000143774923001597/rbb20221121_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-23-001597
- JSON: https://secwatch.observer/filing/0001437749-23-001597.json
- Plain text: https://secwatch.observer/filing/0001437749-23-001597.txt

## Key facts
- Earnings Releases
  RBB Bancorp reported the quarter and year ended December 31, 2022 results: net income net income of $17.6 million, EPS $0.92 diluted earnings per share.
  - Period: the quarter and year ended December 31, 2022
  - Net income: net income of $17.6 million
  - EPS: $0.92 diluted earnings per share
  - Result: reported results
  source text: RBB Bancorp (NASDAQ:RBB) and its subsidiaries, Royal Business Bank (“the Bank”) and RBB Asset Management Company (“RAM”), collectively referred to herein as “the Company,” announced financial results for the quarter and year ended December 31, 2022. The Company reported net income of $17.6 million, or $0.92 diluted earnings per share, for the quarter ended December 31, 2022, compared to net income of $16.7 million, or $0.87 diluted earnings per share, and $15.7 million, or $0.79 diluted earnings per share, for the quarter ended September 30, 2022 and December 31, 2021, respectively.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1499422/000143774923001597/0001437749-23-001597-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.