RBB Bancorp Q2 net income $9.3M ($0.52 EPS), NIM expands to 2.92%, declares $0.16 dividend

RBB Bancorp

2025-Q2 EPS reported $0.65 revenue$2,494,000

Net income of $9.3M ($0.52 diluted EPS) vs $2.3M ($0.13) in Q1 2025; sequential improvement driven by $5.2M ERC benefit.
Net interest margin expanded to 2.92% from 2.88% QoQ; net loans grew $91.6M (12% annualized) with new production yield 6.76%.
Provision for credit losses was $2.4M, down from $6.7M in Q1, reflecting net loan growth and one specific reserve; net charge-offs were $3.3M.
Nonperforming assets decreased to $61.0M (1.49% of assets) from $64.6M, driven by charge-offs and paydowns; substandard loans increased to $91.0M.
Quarterly cash dividend of $0.16/share declared, payable Aug 12, 2025 to holders of record Jul 31, 2025—consistent with prior quarter.

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