---
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"
generated_at: "2026-05-18T04:15:55.094373+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01, 7.01, 8.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-023134
- JSON: https://secwatch.observer/filing/0001437749-25-023134.json
- Plain text: https://secwatch.observer/filing/0001437749-25-023134.txt

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