RBB Bancorp (FRA:5SZ)

RBB Bancorp Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	193.85	184.57	194.26	171.1	141.57
Interest Income on Investments	27.28	32.09	26.88	9.87	5.49
Total Interest Income	221.13	216.66	221.15	180.97	147.06
Interest Paid on Deposits	97.1	108.38	89.04	18.9	11.96
Interest Paid on Borrowings	11.75	8.92	12.82	12.52	10.76
Total Interest Expense	108.84	117.3	101.86	31.42	22.72
Net Interest Income	112.28	99.36	119.29	149.55	124.34
Net Interest Income Growth (YoY)	13.00%	-16.70%	-20.24%	20.28%	18.70%
Gain (Loss) on Sale of Assets	-	-	0.03	0.76	-
Other Non-Interest Income	15.72	12.73	14.48	8.6	8.75
Total Non-Interest Income	16.87	15.34	15.02	11.25	18.75
Non-Interest Income Growth (YoY)	10.03%	2.11%	33.47%	-39.97%	33.51%
Revenues Before Loan Losses	129.16	114.7	134.3	160.81	143.09
Provision for Loan Losses	10.36	9.86	3.36	4.94	3.96
Revenue	118.8	104.84	130.94	155.87	139.13
Revenue Growth (YoY)	13.31%	-19.93%	-15.99%	12.03%	30.06%
Salaries and Employee Benefits	43.06	38.04	37.05	34.64	32.48
Occupancy Expenses	9.64	4	3.93	3.69	3.39
Federal Deposit Insurance	2.92	3.3	3.17	1.85	1.56
Selling, General & Administrative	16.94	19.79	22.62	19.71	16.99
Other Non-Interest Expense	4.1	4.04	3.94	4.64	4.19
Total Non-Interest Expense	76.66	69.16	70.7	64.53	58.61
EBT Excluding Unusual Items	42.13	35.68	60.25	91.35	80.52
Asset Writedown	-	-	-	-	0.42
Pretax Income	42.13	35.68	60.25	91.35	80.94
Income Tax Expense	10.19	9.01	17.78	27.02	24.03
Net Income	31.95	26.67	42.47	64.33	56.91
Preferred Dividends & Other Adjustments	-	-	-	0.03	0.19
Net Income to Common	31.95	26.67	42.47	64.29	56.71
Net Income Growth	19.81%	-37.21%	-33.99%	13.04%	72.82%
Basic Shares Outstanding	17	18	19	19	19
Diluted Shares Outstanding	18	18	19	19	20
Shares Change (YoY)	-3.76%	-4.22%	-1.80%	-2.53%	-0.44%
EPS (Basic)	1.83	1.47	2.24	3.37	2.92
EPS (Diluted)	1.83	1.47	2.24	3.33	2.86
EPS Growth	24.49%	-34.35%	-32.76%	16.43%	73.33%
Dividend Per Share	0.640	0.640	0.640	0.580	0.530
Dividend Growth	-	-	10.35%	9.43%	60.61%
Effective Tax Rate	24.18%	25.26%	29.51%	29.58%	29.69%

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