---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-25-002652"
form_type: "8-K"
ticker: "RBB"
cik: "0001499422"
company_name: "RBB Bancorp"
filed_at: "2025-02-04T23:59:59+00:00"
generated_at: "2026-05-27T03:25:19.679743+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# RBB Bancorp Q4 net income $4.4M, EPS $0.25; NPLs rise to $81M (2.03% of assets)

## Summary
- Q4 net income $4.4M ($0.25 dil EPS) vs Q3 $7.0M ($0.39); FY net income $26.7M ($1.47) down from $42.5M ($2.24).
- NIM 2.76% in Q4, up 8bp QoQ; FY NIM 2.70% down 46bp from 3.16% in 2023.
- Q4 provision for credit losses $6.0M (up from $3.3M Q3); FY provision $9.9M vs $3.4M in 2023.
- Nonperforming assets $81.0M (2.03% of assets) up from $60.7M (1.52%) at Sept 30, driven by one $26.4M C&D loan.

## SEC filing metadata
- accession: 0001437749-25-002652
- form_type: 8-K
- ticker: RBB
- cik: 0001499422
- company_name: RBB Bancorp
- filed_at: 2025-02-04T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01, 7.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1499422/000143774925002652/0001437749-25-002652-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1499422/000143774925002652/rbb20241125_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-002652
- JSON: https://secwatch.observer/filing/0001437749-25-002652.json
- Plain text: https://secwatch.observer/filing/0001437749-25-002652.txt

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