---
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"
generated_at: "2026-10-19T20:49:08.578355+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01, 7.01, 8.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-066329
- JSON: https://secwatch.observer/filing/0001628280-26-066329.json
- Plain text: https://secwatch.observer/filing/0001628280-26-066329.txt

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