---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-25-013395"
form_type: "8-K"
ticker: "RBB"
cik: "0001499422"
company_name: "RBB Bancorp"
filed_at: "2025-04-29T23:59:59+00:00"
generated_at: "2026-05-23T03:44:54.924143+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# RBB Bancorp Q1 net income falls to $2.3M; provision for credit losses $6.7M

## Summary
- Net income of $2.3M ($0.13 diluted EPS) down from $4.4M ($0.25) in Q4 2024; ROA 0.24%.
- Net interest margin expanded to 2.88% from 2.76%; net loans grew $89.8M, or 12% annualized.
- Provision for credit losses totaled $6.7M, mainly from $2.8M in specific reserves on two lending relationships.
- Nonperforming assets decreased $16.5M to $64.6M; substandard loans fell $24M to $76.4M.
- Book value per share $28.77, tangible book $24.63; Q1 dividends paid $2.9M.

## SEC filing metadata
- accession: 0001437749-25-013395
- form_type: 8-K
- ticker: RBB
- cik: 0001499422
- company_name: RBB Bancorp
- filed_at: 2025-04-29T23:59:59+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/1499422/000143774925013395/0001437749-25-013395-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1499422/000143774925013395/rbb20250307_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-013395
- JSON: https://secwatch.observer/filing/0001437749-25-013395.json
- Plain text: https://secwatch.observer/filing/0001437749-25-013395.txt

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