RBB Bancorp (FRA:5SZ)

RBB Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	189.78	184.57	194.26	171.1	141.57	133.89
Interest Income on Investments	28.71	32.09	26.88	9.87	5.49	5.23
Total Interest Income	218.49	216.66	221.15	180.97	147.06	139.12
Interest Paid on Deposits	98.23	108.38	89.04	18.9	11.96	25.21
Interest Paid on Borrowings	11.51	8.92	12.82	12.52	10.76	9.16
Total Interest Expense	109.74	117.3	101.86	31.42	22.72	34.37
Net Interest Income	108.75	99.36	119.29	149.55	124.34	104.76
Net Interest Income Growth (YoY)	9.79%	-16.70%	-20.24%	20.28%	18.70%	8.15%
Gain (Loss) on Sale of Assets	-	-	0.03	0.76	-	-
Gain (Loss) on Sale of Investments	-	-	-	-	-	0.21
Other Non-Interest Income	15.72	12.73	14.48	8.6	8.75	7.83
Total Non-Interest Income	16.8	15.34	15.02	11.25	18.75	14.04
Non-Interest Income Growth (YoY)	-16.02%	2.11%	33.47%	-39.97%	33.51%	-23.36%
Revenues Before Loan Losses	125.55	114.7	134.3	160.81	143.09	118.8
Provision for Loan Losses	15.76	9.86	3.36	4.94	3.96	11.82
Revenue	109.79	104.84	130.94	155.87	139.13	106.97
Revenue Growth (YoY)	-5.05%	-19.93%	-15.99%	12.03%	30.06%	-5.16%
Salaries and Employee Benefits	40.89	38.04	37.05	34.64	32.48	32.63
Occupancy Expenses	3.81	4	3.93	3.69	3.39	3.99
Federal Deposit Insurance	2.85	3.3	3.17	1.85	1.56	0.98
Selling, General & Administrative	23.57	19.79	22.62	19.71	16.99	15.34
Other Non-Interest Expense	4.23	4.04	3.94	4.64	4.19	5.41
Total Non-Interest Expense	75.35	69.16	70.7	64.53	58.61	58.35
EBT Excluding Unusual Items	34.44	35.68	60.25	91.35	80.52	48.62
Asset Writedown	-	-	-	-	0.42	-0.42
Pretax Income	34.44	35.68	60.25	91.35	80.94	47.46
Income Tax Expense	8.29	9.01	17.78	27.02	24.03	14.53
Net Income	26.16	26.67	42.47	64.33	56.91	32.93
Preferred Dividends & Other Adjustments	-	-	-	0.03	0.19	0.04
Net Income to Common	26.16	26.67	42.47	64.29	56.71	32.89
Net Income Growth	-23.86%	-37.21%	-33.99%	13.04%	72.82%	-16.02%
Basic Shares Outstanding	18	18	19	19	19	20
Diluted Shares Outstanding	18	18	19	19	20	20
Shares Change (YoY)	-4.31%	-4.22%	-1.80%	-2.53%	-0.44%	-2.31%
EPS (Basic)	1.49	1.47	2.24	3.37	2.92	1.66
EPS (Diluted)	1.49	1.47	2.24	3.33	2.86	1.65
EPS Growth	-19.99%	-34.35%	-32.76%	16.43%	73.33%	-14.06%
Dividend Per Share	0.640	0.640	0.640	0.580	0.530	0.330
Dividend Growth	-	-	10.35%	9.43%	60.61%	-21.43%
Effective Tax Rate	24.06%	25.26%	29.51%	29.58%	29.69%	30.62%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.