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Get filing alertsRBB Bancorp Q3 net income rises 25% to $12.6M, NIM expands to 3.16%, declares $0.16 dividend
Filed October 19, 2026 · Period ending October 19, 2026 · ~1 min read
Key Changes
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high
Net income rose 25% to $12.6 million, or $0.74 diluted EPS, driven by higher net interest income and a $2.7 million gain on an office building sale.
Exhibit 99.1 view on EDGAR → -
high
Net interest margin expanded 10 basis points to 3.16%, helped by a 9 bp increase in asset yields and a 3 bp decrease in funding costs.
Exhibit 99.1 view on EDGAR → -
high
Nonperforming assets fell 11.3% to $38.7 million, or 0.91% of total assets, reflecting continued credit quality improvement.
Exhibit 99.1 view on EDGAR → -
medium
Book value per share rose to $31.75 and tangible book value per share to $27.44, up from $31.51 and $27.23 at June 30, 2026.
Exhibit 99.1 view on EDGAR → -
low
Board declared a quarterly cash dividend of $0.16 per share, payable November 12, 2026 to shareholders of record October 30, 2026.
Item 8.01 verify on EDGAR →
Summary
RBB Bancorp reported third quarter 2026 net income of $12.6 million, or $0.74 diluted earnings per share, up 25% from both the prior quarter and the year-ago period. The improvement was driven by higher net interest income and a $2.7 million gain on the sale of an office building.
Net interest margin expanded to 3.16%, up 10 basis points sequentially, reflecting higher loan yields and disciplined deposit cost management. Asset quality also improved, with nonperforming assets declining 11.3% to $38.7 million, or 0.91% of total assets. The company also declared a regular quarterly cash dividend of $0.16 per share, payable November 12, 2026 to shareholders of record October 30, 2026.
Book value per share increased to $31.75 and tangible book value per share to $27.44. The company will hold a conference call on October 20, 2026 to discuss the results, and investor presentation materials are available on its website.
Section-by-Section Diff
Event · Item 2.02 — Results of Operations and Financial Condition
RBB Bancorp issued a press release with Q3 2026 financial results and conference call details.
Added in current filing · verify on EDGAR →
On October 19, 2026, RBB Bancorp (the “Company”) issued a press release setting forth the financial results for the quarter ended September 30, 2026, and information relating to the Company’s quarterly conference call and webcast.
The Company announced its third quarter 2026 financial results via press release. The release also includes details about the quarterly conference call and webcast. Specific financial figures are not included in the 8-K body itself; they are in Exhibit 99.1, which is incorporated by reference.
Event · Item 7.01 — Regulation FD Disclosure
RBB Bancorp will hold a Q3 2026 earnings call and posted investor presentation materials on its website.
Added in current filing · verify on EDGAR →
On October 20, 2026, the Company will hold a conference call to discuss its financial results for the quarter ended September 30, 2026, and other matters relating to the Company.
The company announced it will hold a conference call on October 20, 2026 to discuss financial results for the quarter ended September 30, 2026. No financial figures are disclosed in this 8-K; the results are expected to be discussed on the call.
Show 1 minor / wording change
Added in current filing · verify on EDGAR →
The Company has also made available on its website, www.royalbusinessbankusa.com, presentation materials containing certain historical and forward-looking information relating to the Company (the “Presentation Materials”).
The company posted presentation materials on its website containing historical and forward-looking information. The materials are furnished as Exhibit 99.2 and are not deemed filed for purposes of Section 18 of the Exchange Act.
Event · Exhibit 99.1
RBB Bancorp reports Q3 2026 net income of $12.6M ($0.74 diluted EPS), NIM up to 3.16%, and declares $0.16 quarterly dividend.
Added in current filing · view on EDGAR →
Net income totaled $12.6 million, or $0.74 diluted earnings per share
RBB Bancorp reported net income of $12.6 million, or $0.74 diluted earnings per share, for the third quarter of 2026, up from $10.1 million, or $0.59 diluted EPS, in the prior quarter. The improvement was driven by higher net interest income and a $2.7 million gain on the sale of an office building.
Added in current filing · view on EDGAR →
Net interest margin of 3.16%, up from 3.06% for the prior quarter
The net interest margin expanded 10 basis points to 3.16% in Q3 2026 from 3.06% in Q2 2026, reflecting a 9 basis point increase in yield on interest-earning assets and a 3 basis point decrease in cost of funds. The partial redemption of $40 million of subordinated notes on July 1, 2026 helped lower borrowing costs.
Added in current filing · view on EDGAR →
Nonperforming assets of $38.7 million, a $4.9 million, or 11.3%, decrease compared to prior quarter end
Nonperforming assets declined to $38.7 million, or 0.91% of total assets, from $43.6 million, or 1.02%, at June 30, 2026. The decrease was driven by a $4.9 million reduction in nonperforming loans, reflecting continued credit quality improvement.
Added in current filing · view on EDGAR →
Book value and tangible book value per share(1) increased to $31.75 and $27.44 at September 30, 2026, up from $31.51 and $27.23 at June 30, 2026
Book value per share rose to $31.75 and tangible book value per share to $27.44 at September 30, 2026, from $31.51 and $27.23 at June 30, 2026. The increase reflects net income of $12.6 million, partially offset by higher unrealized losses on available-for-sale securities and common stock repurchases.
Event · Exhibit 99.2
RBB Bancorp reports Q3 2026 net income of $12.6M, EPS $0.74, NIM 3.16%, and improved asset quality.
Added in current filing · view on EDGAR →
Diluted Earnings Per Share (EPS) $ 0.59 $ 0.59 $ 0.74 25% 25%
Diluted EPS was $0.74 in Q3 2026, up 25% from $0.59 in both Q2 2026 and Q3 2025. The building sale gain contributed $0.12 per diluted share.
Added in current filing · view on EDGAR →
Net Interest Margin (NIM) 2.98% 3.06% 3.16% 10 bps 18 bps
Net interest margin expanded to 3.16% in Q3 2026, up 10 basis points from Q2 2026 and 18 basis points from Q3 2025. This reflects higher loan yields and disciplined deposit cost management.
Added in current filing · view on EDGAR →
Nonperforming Loans (NPLs) $ 45,484 $ 23,759 $ 18,835 -21% -59%
Nonperforming loans fell to $18.8 million, down 21% from the prior quarter and 59% year-over-year. Nonperforming assets also declined 11% QoQ and 29% YoY to $38.7 million.
Added in current filing · view on EDGAR →
Returned $20.0 million to stockholders since 9/30/2025
The company returned $20.0 million to stockholders over the last twelve months through quarterly dividends and stock repurchases. Tangible book value per share increased 6% year-over-year to $27.44.
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Figures/quotes linked to EDGAR · Narrative written by AI · Oct 20, 2026 · How we verify