RBB Bancorp Q3 net income $12.6M, EPS $0.74; NIM 3.16%, NPA down 11%, dividend $0.16

RBB Bancorp

Net income $12.6M, or $0.74 diluted EPS, vs $10.1M/$0.59 in Q2 2026; ROAA 1.17% vs 0.97%; NIM 3.16% vs 3.06%.
Net interest income $31.8M vs $30.1M; noninterest income $5.1M including $2.7M gain on Brooklyn office building sale; efficiency ratio 53.0% vs 57.5%.
Nonperforming assets $38.7M (0.91% of assets), down $4.9M/11.3% QoQ; NPLs $18.8M (0.55% of loans); allowance for loan losses 1.30% of loans, 234% of NPLs.
Loans HFI $3.4B, up $89.8M or 10.8% annualized; deposits $3.4B, up $4.6M; loan-to-deposit ratio 100.1%; total assets $4.3B.
Board declared $0.16/share quarterly dividend, payable Nov 12, 2026 to holders of record Oct 30; $40M subordinated notes partially redeemed July 1.

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