RBB Bancorp
ir.rbbusa.comWhat Do They Do?
Provides commercial banking services, including loans and deposit accounts, to businesses and individuals in Asian-centric communities.
10-K for FY2025, filed Mar 9, 2026
How Do They Make Money?
The bank earns most of its revenue from interest on loans and investment securities, and also collects account and service fees. Deposit-account service charges are collected monthly or when the service is performed; wealth-management commissions are generally received monthly.
10-K for FY2025, filed Mar 9, 2026We generate our revenue primarily from interest received on loans and, to a lesser extent, from interest received on investment securities.…View ↗
Fees and service charges on deposit accounts include charges for analysis, overdraft, cashier's check fees, ATM, and safe deposit…View ↗
In our wealth management division, revenue is primarily generated from (1) securities brokerage accounts, (2) investment advisor accounts…View ↗
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10-K for FY2025, filed Mar 9, 2026
FY2025 revenue by product or service ↗
$5.2M
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10-K for FY2025, filed Mar 9, 2026
$5.2M ↗
| Segment | Share | Revenue |
|---|---|---|
|
Fees And Service Charges On Deposit Accounts
|
37%
FY2022: 37%
|
Fees And Service Charges On Deposit Accounts, FY2025
$1.9M Sources
|
|
Other Fees
|
18%
FY2022: 12%
|
Other Fees, FY2025
$938K Sources
|
|
Other Service Income
|
44%
FY2022: 38%
|
Other Service Income, FY2025
$2.3M Sources
|
Who Are Their Customers?
Deposit customers use the branch network; mortgage borrowers come through retail branches, correspondent relationships, and wholesale channels. Some qualified mortgages are sold directly to FNMA and FHLMC.
10-K for FY2025, filed Mar 9, 2026The quality of our deposit franchise and access to stable funding are key components to our success. We offer traditional depository…View ↗
Single-family residential (“SFR”) mortgage lending primarily to Asian-Americans willing to provide higher down payment amounts and pay…View ↗
SFR Loans. We originate qualified SFR mortgage loans and non-qualified, alternative documentation SFR mortgage loans through wholesale and…View ↗
Do Revenues Turn Into Profits?
Yes. Its net income in FY2025 was larger than its revenue and turned 824 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 7, 2026
Open tableView ↗
Shrinking. Revenue fell 27% in 4 years, from $7.1M in FY2021 to $5.2M in FY2025, about 8% a year.
Broader target market
The earlier plan centered on first-generation immigrants, especially Chinese immigrants, while the current plan targets small and midsized businesses in Asian-centric communities or businesses that can benefit from its lending expertise.
10-K for FY2022, filed Apr 7, 2023Our strategic plan focuses on providing commercial banking services to first generation immigrants, concentrating on Chinese immigrants, as…View ↗
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