{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-26-066329","form_type":"8-K","ticker":"RBB","cik":"0001499422","company_name":"RBB Bancorp","filed_at":"2026-10-19T20:47:34+00:00","discovered_at":"2026-10-19T20:49:00.241377+00:00","generated_at":"2026-10-19T20:49:08.578355+00:00","sec_items":["2.02","9.01","7.01","8.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"RBB Bancorp Q3 net income $12.6M, EPS $0.74; NIM 3.16%, NPA down 11%, dividend $0.16","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-26-066329","json":"https://secwatch.observer/filing/0001628280-26-066329.json","markdown":"https://secwatch.observer/filing/0001628280-26-066329.md","text":"https://secwatch.observer/filing/0001628280-26-066329.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1499422/000162828026066329/0001628280-26-066329-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1499422/000162828026066329/rbb-20261019.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-19T20:49:08.578355+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"}