Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______ to ______ Commission File Number: 001-38149 RBB BANCORP (Exact name of registrant as specified in its charter) California 27-2776416 ...

Financial Data and Key Metrics Changes - Net income grew 7.4% from the previous quarter and more than doubled year-over-year to a record $13.4 million, or $0.67 per diluted share [12] - Net interest margin decreased to 3.33%, down 40 basis points from the first quarter and down 9 basis points from a year prior [14] - Non-performing assets decreased by $700,000 to $19.5 million, representing 0.5% of total assets [19] Business Line Data and Key Metrics Changes - Loans held for investment totaled $2.7 billion, stable from the previous quarter [14] - Commercial real estate loans grew at a 15% annualized rate, while construction loans grew at a 52% annualized rate [15] - Non-QM mortgage production decreased by $57 million, indicating challenges in the mortgage sector [15] Market Data and Key Metrics Changes - Total deposits increased by $249 million, with non-interest-bearing deposits rising by $153 million [17] - Average cost of interest-bearing deposits was 0.59%, down 14 basis points from the prior quarter [18] Company Strategy and Development Direction - The company is entering the Hawaiian market to serve Asian-American communities, indicating a strategic expansion [10] - Management is focused on increasing loan production and revitalizing the non-QM origination channel [28] - The company sees opportunities for mergers and acquisitions, particularly with smaller banks seeking partnerships post-pandemic [37][39] Management's Comments on Operating Environment and Future Outlook - Management expects loan growth to target 9% to 10% for the remainder of the year, with a strong loan origination pipeline [23] - There is optimism regarding the SBA business, with expectations for continued strong performance in the third and fourth quarters [30][32] - Management anticipates that excess liquidity in the market will decrease over time, impacting their investment strategy [27] Other Important Information - The company was awarded $1.8 million under the U.S. Treasury CDFI Rapid Response Program, highlighting its community-focused lending reputation [20] - The average yield on earning assets was 3.99%, down 50 basis points from the prior quarter [16] Q&A Session Summary Question: Expectations for net loan growth for the remainder of the year - Management targets 9% to 10% loan growth, with expectations of slowing prepayments [23][24] Question: Driving robust non-interest-bearing deposit growth - Growth attributed to existing customers, new customers, and excess market liquidity [25][26] Question: Outlook for SBA sales - Expectation for SBA business to remain strong in the third and fourth quarters [30][32] Question: Update on M&A opportunities - Management sees increased interest in partnerships among smaller banks post-pandemic [37][39] Question: Non-QM mortgage production normalization - Anticipated to take at least two quarters to return to normal levels [41] Question: Expense run rate for the back half of the year - Expected quarterly expenses to be between $14.7 million and $15 million [42] Question: Share repurchases in the quarter - The company repurchased 222,000 shares and plans to continue repurchases in the third quarter [51] Question: CDs repricing in the back half of the year - $415 million maturing in Q3 at 87 bps, with ongoing rates around 50 bps [54] Question: Loan yields and competition - Management believes they can maintain current yield levels despite competitive pressures [56]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q (Mark One) Table of Contents RBB BANCORP (Exact name of registrant as specified in its charter) California 27-2776416 (State or other jurisdiction of Incorporation or organization) 1055 Wilshire Blvd., Suite 1200, Los Angeles, California 90017 (Address of principal executive offices) (Zip Code) (I.R.S. Employer Identification No.) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For th ...

RBB Bancorp (NASDAQ:RBB) Q1 2021 Earnings Conference Call April 27, 2021 2:00 PM ET Company Participants Catherine Wei – Financial Assistant Alan Thian – Chairman, President and Chief Executive Officer David Morris – Executive Vice President and Chief Financial Officer Conference Call Participants Nick Cucharale – Piper Sandler Kelly Motta – KBW Brett Rabatin – Hovde Group Andrew Terrell – Stephens Operator Good day, everyone, and welcome to the RBB Bancorp Earnings Conference Call for the First Quarter 202 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) (Exact name of Registrant as specified in its Charter) California 27-2776416 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) 1055 Wilshire Blvd., 12th floor Los Angeles, California 90017 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (213) 627-9888 Securities registered pursuant to Section 12(b) of the Act: ☒ ...

RBB Bancorp (NASDAQ:RBB) Q4 2020 Earnings Conference Call January 26, 2021 2:00 PM ET Company Participants Catherine Wei - Financial Assistant Alan Thian - Chairman, President and CEO David Morris - EVP and CFO Conference Call Participants Kelly Motta - KBW Andrew Terrell - Stephens Inc. Operator Good day, everyone, and welcome to the RBB Bancorp Earnings Conference Call for the Fourth Quarter and Fiscal Year 2020. At this time, all participants are in a listen-only mode. After the speakers' presentation, t ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______ to ______ Commission File Number: 001-38149 RBB BANCORP (Exact name of registrant as specified in its charter) California 27-277 ...

RBB Bancorp (NASDAQ:RBB) Q3 2020 Earnings Conference Call October 27, 2020 2:00 PM ET Company Participants Catherine Wei - Financial Assistant Alan Thian - Chairman, President and CEO David Morris - EVP and CFO Conference Call Participants Nick Cucharale - Piper Sandler Kelly Motta - KBW Operator Good day, everyone, and welcome to the RBB Bancorp Earnings Conference Call for the Third Quarter of 2020. All lines have been placed on mute to prevent any background noise. After the speakers' remarks there will ...

RBB BANCORP 皇佳 商 業 金 控 Investor Presentation September 2020 NASDAQ: RBB Forward-Looking Statements Certain matters set forth herein (including the exhibits hereto) constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including forward-looking statements relating to RBB Bancorp's ("RBB") current business plans, its future financial position and operating results and RBB's expectations. Forward-looking statements are typically identified by words su ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______ to ______ Commission File Number: 001-38149 RBB BANCORP (Exact name of registrant as specified in its charter) California 27-2776416 (State or other ju ...