RBB Bancorp Reports Q1 Net Interest Income of $30.5 Million
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1 day ago
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Should l Buy RBB?
Net interest income was $30.5 million for the first quarter of 2026, compared to $29.5 million for the fourth quarter of 2025. Book value and tangible book value per share increased to $31.10 and $26.84 at March 31, 2026, up from $30.69 and $26.42 at December 31, 2025. "First quarter results represented a strong start to 2026, with higher net interest income, expanding margin and lower credit costs driving net income of $11.3 million, or $0.66 per diluted share," said Johnny Lee, President and Chief Executive Officer of RBB Bancorp. "Net interest margin increased to 3.15% as declining deposit costs and improved earning asset yields more than offset modest pressure on loan balances. We also continued to make progress on credit quality, with nonperforming assets declining 9% from the prior quarter. Retail deposit growth remained strong, and we believe our continued focus on disciplined loan growth, deposit gathering and resolving problem assets positions us to continue to enhance shareholder value through 2026."
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Analyst Views on RBB
Wall Street analysts forecast RBB stock price to fall
2 Analyst Rating
0 Buy
2 Hold
0 Sell
Hold
Current: 22.930
Low
21.00
Averages
21.50
High
22.00
Current: 22.930
Low
21.00
Averages
21.50
High
22.00
About RBB
RBB Bancorp is a bank holding company. The Company's principal business is to serve as the holding company for its wholly owned banking subsidiaries, Royal Business Bank (the Bank) and RBB Asset Management Company (RAM). The Bank provides business-banking and consumer products and services to Asian-centric communities through full-service branches located in Los Angeles County, Orange County and Ventura County in California, Las Vegas (Nevada), the New York City metropolitan areas, Chicago (Illinois), Edison (New Jersey) and Honolulu (Hawaii). The products and services include commercial and investor real estate loans, business loans and lines of credit, Small Business Administration (SBA) 7A and 504 loans, mortgage loans, trade finance and a full range of depository accounts, including specialized services such as remote deposit, e-banking, mobile banking, and treasury management services. It operates banking offices in Arcadia, Cerritos, Diamond Bar, Irvine, and others.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
RBB Bancorp Q1 2026 Earnings Call Highlights
- Strong Earnings Growth: RBB Bancorp reported a net income of $11.3 million for Q1 2026, translating to $0.66 per share, with a return on assets (ROA) of 1.09% and a net interest margin (NIM) of 3.15%, marking the fifth consecutive quarter of margin expansion, indicating sustained improvement in profitability.
- Modest Loan Growth: Loan growth was modest at approximately $11 million, offset by elevated payoffs despite $131 million in originations at an average yield of 6.4%, yet management remains optimistic about achieving mid- to high-single-digit loan growth in 2026, reflecting confidence in future demand.
- Improved Funding Costs: Net interest income rose to $30.5 million, supported by a $1.4 million decline in interest expenses and a $50 million increase in retail deposits, showcasing the company's success in reducing funding costs and optimizing its deposit mix, which enhances profitability.
- Stable Asset Quality: Nonperforming loans remained virtually unchanged with effectively no net charge-offs, and management anticipates opportunities to resolve these issues during 2026, demonstrating the company's robust risk management and asset quality performance.
See More
RBB Bancorp Q1 Earnings Exceed Expectations
- Strong Earnings Performance: RBB Bancorp reported a Q1 GAAP EPS of $0.66, beating expectations by $0.21, indicating a significant improvement in profitability and enhancing the company's competitive position in the market.
- Robust Revenue Growth: The company achieved revenues of $34.75 million in Q1, exceeding expectations by $2.3 million, demonstrating a solid growth momentum in its business and effective responses to market challenges.
- Improved Asset Quality: Nonperforming assets decreased by 9% to $48.8 million as of March 31, 2026, reflecting effective asset management and risk control measures, which further bolster investor confidence.
- Enhanced Capital Returns: Book value and tangible book value per share increased to $31.10 and $26.84, respectively, up from $30.69 and $26.42 at December 31, 2025, showcasing successful capital management and enhancing long-term shareholder return expectations.
See More
RBB Bancorp Reports Strong Q1 2026 Financial Results
- Net Income Growth: In Q1 2026, RBB Bancorp reported net income of $11.3 million, or $0.66 per diluted share, representing a 10.8% increase from $10.2 million and $0.59 per share in Q4 2025, indicating effective revenue growth and cost control measures.
- Increase in Net Interest Income: The net interest income for the first quarter was $30.5 million, up from $29.5 million in Q4 2025, despite having two fewer days in the current quarter, driven by declining deposit costs and improved asset yields, resulting in a net interest margin increase to 3.15%.
- Reduction in Nonperforming Assets: As of March 31, 2026, nonperforming assets decreased by 9% to $48.8 million, demonstrating the company's ongoing efforts to improve credit quality, which will help mitigate future credit loss risks.
- Increase in Shareholder Equity: Total shareholders' equity rose to $531.1 million as of March 31, 2026, a 7.6% increase from $523.4 million on December 31, 2025, reflecting the company's strong performance in profitability and capital management.
See More
RBB Bancorp to Release Q1 2026 Financial Results on April 20
- Earnings Release Schedule: RBB Bancorp will announce its Q1 2026 financial results after market close on April 20, 2026, which is expected to significantly impact investor sentiment.
- Conference Call Timing: Management will hold a conference call on April 21, 2026, at 11:00 a.m. Pacific Time to discuss the financial results, providing dial-in information to facilitate investor participation.
- Webcast Availability: The conference call will be live-streamed on the company's website under the 'Investor Relations' section, with a replay available approximately two hours after the call, enhancing information accessibility for stakeholders.
- Company Overview: As of December 31, 2025, RBB Bancorp reported total assets of $4.2 billion, primarily serving Asian-centric communities in California and other regions, demonstrating its strong market presence in targeted demographics.
See More
RBB Bancorp Q4 Earnings Beat Expectations
- Earnings Beat: RBB Bancorp reported a Q4 GAAP EPS of $0.59, exceeding expectations by $0.10, indicating improved profitability that may boost investor confidence.
- Revenue Growth: The company achieved $32.3 million in revenue for Q4, a 12.5% year-over-year increase, although it fell short of market expectations, reflecting robust growth potential.
- Market Reaction: Despite missing revenue targets, the earnings beat could positively impact the stock price in the short term, attracting more investor interest.
- Financial Health: RBB Bancorp's financial data indicates ongoing improvements in profitability and revenue growth, potentially laying the groundwork for future investments and expansion.
See More
RBB Bancorp to Release 2025 Financial Results on January 26
- Earnings Release Schedule: RBB Bancorp will announce its financial results for the year ended December 31, 2025, after market close on January 26, 2026, which is expected to provide investors with critical financial data and business performance insights.
- Conference Call Timing: Management will hold a conference call on January 27, 2026, at 11:00 a.m. Pacific Time to discuss the financial results, aiming to enhance transparency and engage directly with investors.
- Webcast Availability: Investors can listen to the live webcast of the conference call in the 'Investor Relations' section of the company's website, further improving the accessibility and timeliness of information dissemination.
- Asset Size Overview: As of September 30, 2025, RBB Bancorp reported total assets of $4.2 billion, reflecting its robust growth and market position within the community banking sector.
See More
RBB Bancorp Q1 2026 Earnings Call Highlights
- Strong Earnings Growth: RBB Bancorp reported a net income of $11.3 million for Q1 2026, translating to $0.66 per share, with a return on assets (ROA) of 1.09% and a net interest margin (NIM) of 3.15%, marking the fifth consecutive quarter of margin expansion, indicating sustained improvement in profitability.
- Modest Loan Growth: Loan growth was modest at approximately $11 million, offset by elevated payoffs despite $131 million in originations at an average yield of 6.4%, yet management remains optimistic about achieving mid- to high-single-digit loan growth in 2026, reflecting confidence in future demand.
- Improved Funding Costs: Net interest income rose to $30.5 million, supported by a $1.4 million decline in interest expenses and a $50 million increase in retail deposits, showcasing the company's success in reducing funding costs and optimizing its deposit mix, which enhances profitability.
- Stable Asset Quality: Nonperforming loans remained virtually unchanged with effectively no net charge-offs, and management anticipates opportunities to resolve these issues during 2026, demonstrating the company's robust risk management and asset quality performance.
See More
RBB Bancorp Q1 Earnings Exceed Expectations
- Strong Earnings Performance: RBB Bancorp reported a Q1 GAAP EPS of $0.66, beating expectations by $0.21, indicating a significant improvement in profitability and enhancing the company's competitive position in the market.
- Robust Revenue Growth: The company achieved revenues of $34.75 million in Q1, exceeding expectations by $2.3 million, demonstrating a solid growth momentum in its business and effective responses to market challenges.
- Improved Asset Quality: Nonperforming assets decreased by 9% to $48.8 million as of March 31, 2026, reflecting effective asset management and risk control measures, which further bolster investor confidence.
- Enhanced Capital Returns: Book value and tangible book value per share increased to $31.10 and $26.84, respectively, up from $30.69 and $26.42 at December 31, 2025, showcasing successful capital management and enhancing long-term shareholder return expectations.
See More
RBB Bancorp Reports Strong Q1 2026 Financial Results
- Net Income Growth: In Q1 2026, RBB Bancorp reported net income of $11.3 million, or $0.66 per diluted share, representing a 10.8% increase from $10.2 million and $0.59 per share in Q4 2025, indicating effective revenue growth and cost control measures.
- Increase in Net Interest Income: The net interest income for the first quarter was $30.5 million, up from $29.5 million in Q4 2025, despite having two fewer days in the current quarter, driven by declining deposit costs and improved asset yields, resulting in a net interest margin increase to 3.15%.
- Reduction in Nonperforming Assets: As of March 31, 2026, nonperforming assets decreased by 9% to $48.8 million, demonstrating the company's ongoing efforts to improve credit quality, which will help mitigate future credit loss risks.
- Increase in Shareholder Equity: Total shareholders' equity rose to $531.1 million as of March 31, 2026, a 7.6% increase from $523.4 million on December 31, 2025, reflecting the company's strong performance in profitability and capital management.
See More
RBB Bancorp to Release Q1 2026 Financial Results on April 20
- Earnings Release Schedule: RBB Bancorp will announce its Q1 2026 financial results after market close on April 20, 2026, which is expected to significantly impact investor sentiment.
- Conference Call Timing: Management will hold a conference call on April 21, 2026, at 11:00 a.m. Pacific Time to discuss the financial results, providing dial-in information to facilitate investor participation.
- Webcast Availability: The conference call will be live-streamed on the company's website under the 'Investor Relations' section, with a replay available approximately two hours after the call, enhancing information accessibility for stakeholders.
- Company Overview: As of December 31, 2025, RBB Bancorp reported total assets of $4.2 billion, primarily serving Asian-centric communities in California and other regions, demonstrating its strong market presence in targeted demographics.
See More
RBB Bancorp Q4 Earnings Beat Expectations
- Earnings Beat: RBB Bancorp reported a Q4 GAAP EPS of $0.59, exceeding expectations by $0.10, indicating improved profitability that may boost investor confidence.
- Revenue Growth: The company achieved $32.3 million in revenue for Q4, a 12.5% year-over-year increase, although it fell short of market expectations, reflecting robust growth potential.
- Market Reaction: Despite missing revenue targets, the earnings beat could positively impact the stock price in the short term, attracting more investor interest.
- Financial Health: RBB Bancorp's financial data indicates ongoing improvements in profitability and revenue growth, potentially laying the groundwork for future investments and expansion.
See More
RBB Bancorp to Release 2025 Financial Results on January 26
- Earnings Release Schedule: RBB Bancorp will announce its financial results for the year ended December 31, 2025, after market close on January 26, 2026, which is expected to provide investors with critical financial data and business performance insights.
- Conference Call Timing: Management will hold a conference call on January 27, 2026, at 11:00 a.m. Pacific Time to discuss the financial results, aiming to enhance transparency and engage directly with investors.
- Webcast Availability: Investors can listen to the live webcast of the conference call in the 'Investor Relations' section of the company's website, further improving the accessibility and timeliness of information dissemination.
- Asset Size Overview: As of September 30, 2025, RBB Bancorp reported total assets of $4.2 billion, reflecting its robust growth and market position within the community banking sector.
See More
