RBB Bancorp, the holding company for Royal Business Bank, reported a net income of $32 million for the year ended December 31, 2025, marking a 19.8% increase compared to $26.7 million in the previous year. This growth was primarily driven by a $12.9 million rise in net interest income and a $1.5 million increase in noninterest income. These gains were partially offset by increases in the provision for credit losses, noninterest expenses, and income tax expenses. As of December 31, 2025, the company's total consolidated assets reached $4.2 billion, reflecting a 5.4% increase from the previous fiscal year.
The company's financial performance was further highlighted by an increase in gross consolidated loans to $3.3 billion, up 8.6% from the prior year. This loan growth was supported by a corresponding increase in total deposits, which rose by 8.6% to $3.4 billion. The strategic management of deposits was evident in the composition of the deposit base, with $2.7 billion, or 80.6%, of deposit relationships classified as stable, meeting specific criteria defined by the company. The company's strategic plan focuses on providing commercial banking services to small and midsized enterprises, particularly those operating within Asian-centric communities.
Operationally, RBB Bancorp maintained 24 banking offices across California, Nevada, New York, Illinois, New Jersey, and Hawaii, primarily serving small to middle-market businesses and individuals. The company's lending activities are diversified across various loan types, including single-family residential (SFR) loans, commercial real estate (CRE) loans, construction and land development (C&D) loans, commercial and industrial (C&I) loans, and Small Business Administration (SBA) loans. SFR loans constituted the largest portion of the loan portfolio, representing 50.0% of total loans as of December 31, 2025. The company also identified new channels for secondary market sales for SFR loans, completing two sales transactions with other insured US banks, which creates a lever for liquidity and additional fee income.
Looking ahead, RBB Bancorp aims to maintain regulatory capital levels exceeding Basel III requirements and continue providing commercial banking services to its target market. The company intends to focus on businesses located in specific geographic areas and those engaged in trade with Asian countries. The company's strategic plan also includes providing five main lending products and potentially pursuing opportunistic acquisitions to enhance long-term growth. The company's capital ratios exceeded the minimum capital adequacy guideline percentage requirements to be considered "well capitalized" under the Basel III capital rules.
About RBB Bancorp
RBB Bancorp is a bank holding company operating primarily through its subsidiary, Royal Business Bank, serving Asian-centric communities with commercial and consumer banking services. It offers loans, deposit accounts, trade finance, and wealth management across key U.S. markets. The company emphasizes community development, strategic growth, and regulatory compliance, focusing on small to middle-market businesses and individuals with a competitive, diversified lending portfolio.
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