secwatch.observer — SEC 8-K summary
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Issuer:     RBB Bancorp (RBB)
CIK:        0001499422
Form:       8-K
Filed at:   2026-10-19T20:47:34+00:00
Accession:  0001628280-26-066329
Event type: earnings
Sentiment:  positive
Materiality: 0.60
Item codes: 2.02, 9.01, 7.01, 8.01
LLM model:  deepseek-v4.1-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1499422/000162828026066329/0001628280-26-066329-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1499422/000162828026066329/rbb-20261019.htm
  HTML page:      https://secwatch.observer/filing/0001628280-26-066329

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