{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-023134","form_type":"8-K","ticker":"RBB","cik":"0001499422","company_name":"RBB Bancorp","filed_at":"2025-07-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.131547+00:00","generated_at":"2026-05-18T04:15:55.094373+00:00","sec_items":["2.02","9.01","7.01","8.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"RBB Bancorp Q2 net income $9.3M ($0.52 EPS), NIM expands to 2.92%, declares $0.16 dividend","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-023134","json":"https://secwatch.observer/filing/0001437749-25-023134.json","markdown":"https://secwatch.observer/filing/0001437749-25-023134.md","text":"https://secwatch.observer/filing/0001437749-25-023134.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1499422/000143774925023134/0001437749-25-023134-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1499422/000143774925023134/rbb20250519_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T04:15:55.094373+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}