RBB Bancorp (FRA:5SZ)

RBB Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	187.01	184.57	194.26	171.1	141.57	133.89
Interest Income on Investments	28.51	32.09	26.88	9.87	5.49	5.23
Total Interest Income	215.52	216.66	221.15	180.97	147.06	139.12
Interest Paid on Deposits	101.15	108.38	89.04	18.9	11.96	25.21
Interest Paid on Borrowings	10.36	8.92	12.82	12.52	10.76	9.16
Total Interest Expense	111.5	117.3	101.86	31.42	22.72	34.37
Net Interest Income	104.02	99.36	119.29	149.55	124.34	104.76
Net Interest Income Growth (YoY)	1.88%	-16.70%	-20.24%	20.28%	18.70%	8.15%
Gain (Loss) on Sale of Assets	-	-	0.03	0.76	-	-
Gain (Loss) on Sale of Investments	-	-	-	-	-	0.21
Other Non-Interest Income	12.79	12.73	14.48	8.6	8.75	7.83
Total Non-Interest Income	14.05	15.34	15.02	11.25	18.75	14.04
Non-Interest Income Growth (YoY)	-17.48%	2.11%	33.47%	-39.97%	33.51%	-23.36%
Revenues Before Loan Losses	118.07	114.7	134.3	160.81	143.09	118.8
Provision for Loan Losses	18.43	9.86	3.36	4.94	3.96	11.82
Revenue	99.63	104.84	130.94	155.87	139.13	106.97
Revenue Growth (YoY)	-15.28%	-19.93%	-15.99%	12.03%	30.06%	-5.16%
Salaries and Employee Benefits	39.95	38.04	37.05	34.64	32.48	32.63
Occupancy Expenses	3.91	4	3.93	3.69	3.39	3.99
Federal Deposit Insurance	2.77	3.3	3.17	1.85	1.56	0.98
Selling, General & Administrative	21.8	19.79	22.62	19.71	16.99	15.34
Other Non-Interest Expense	4.46	4.04	3.94	4.64	4.19	5.41
Total Non-Interest Expense	72.89	69.16	70.7	64.53	58.61	58.35
EBT Excluding Unusual Items	26.75	35.68	60.25	91.35	80.52	48.62
Asset Writedown	-	-	-	-	0.42	-0.42
Pretax Income	30.75	35.68	60.25	91.35	80.94	47.46
Income Tax Expense	7.74	9.01	17.78	27.02	24.03	14.53
Net Income	23.01	26.67	42.47	64.33	56.91	32.93
Preferred Dividends & Other Adjustments	-	-	-	0.03	0.19	0.04
Net Income to Common	23.01	26.67	42.47	64.29	56.71	32.89
Net Income Growth	-35.78%	-37.21%	-33.99%	13.04%	72.82%	-16.02%
Basic Shares Outstanding	18	18	19	19	19	20
Diluted Shares Outstanding	18	18	19	19	20	20
Shares Change (YoY)	-4.95%	-4.22%	-1.80%	-2.53%	-0.44%	-2.31%
EPS (Basic)	1.30	1.47	2.24	3.37	2.92	1.66
EPS (Diluted)	1.30	1.47	2.24	3.33	2.86	1.65
EPS Growth	-32.23%	-34.35%	-32.76%	16.43%	73.33%	-14.06%
Dividend Per Share	0.640	0.640	0.640	0.580	0.530	0.330
Dividend Growth	-	-	10.35%	9.43%	60.61%	-21.43%
Effective Tax Rate	25.18%	25.26%	29.51%	29.58%	29.69%	30.62%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.