RBB earnings jump 20% on margin expansion; credit losses surge and controls weaken

Filed March 9, 2026 · Period ending December 31, 2025 · Compared to 10-K Mar 17, 2025 · ~1 min read

Key Changes

• high

  Net income rose 19.8% to $32.0M and EPS climbed 24.5% to $1.83, driven by 25-bp margin expansion as deposit costs fell 38 bps while loan yields held steady.

  Notes: Net Income & NIM verify on EDGAR →
• high

  Net charge-offs tripled to $14.4M (0.45% of loans) from $3.9M (0.13%), and nonperforming assets rose to $53.5M (1.27% of assets) including $8.8M of foreclosed properties.

  Notes: Credit Losses & Risk Factors: NPAs verify on EDGAR →
• high

  Company removed language asserting prior material weaknesses in internal controls were remediated, suggesting deficiencies persist or new issues emerged.

  Risk Factors: Internal Controls verify on EDGAR →