| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 21,771 | 11,623 |
| Depreciation and amortization of premises and equipment | 1,400 | 941 |
| Net accretion of securities, loans, deposits, and other | 2,679 | 1,667 |
| Amortization of investment in affordable housing tax credits | 1,524 | 952 |
| Amortization of intangible assets | 1,405 | 951 |
| Amortization of right-of-use asset | 3,831 | 2,545 |
| Change in operating lease liabilities | -3,727 | -2,462 |
| Provision for credit losses | 9,758 | 9,133 |
| Stock-based compensation | 1,450 | 1,180 |
| Deferred tax expense (benefit) | 1,243 | -329 |
| Gain on sale of loans | 699 | 439 |
| Gain on sale and transfer of oreo | 0 | 0 |
| Gain on sale of fixed assets | 42 | 42 |
| Increase in cash surrender value of life insurance | 1,241 | 814 |
| Loans originated for sale, net | 6,460 | 1,938 |
| Proceeds from loans held for sale | 14,444 | 8,574 |
| Other items | -10,432 | 1,222 |
| Net cash provided by operating activities | 31,546 | 29,430 |
| Purchases | 216,805 | 110,410 |
| Maturities, repayments and calls | 236,976 | 124,717 |
| Maturities, repayments and calls | 1,000 | 1,000 |
| Net (increase) decrease in other equity securities | 188 | 228 |
| Net increase of investment in qualified affordable housing projects | 1,836 | 1,538 |
| Net increase in loans | 305,571 | 217,800 |
| Proceeds from sales of loans originally classified as hfi | 35,120 | 24,528 |
| Proceeds from sales of oreo | 7,526 | 7,526 |
| Proceeds from sale of fixed assets | 42 | 42 |
| Purchases of premises and equipment | 641 | 278 |
| Net cash used in investing activities | -244,377 | -172,441 |
| Net increase in demand deposits and savings accounts | 46,139 | 9,518 |
| Net increase (decrease) in time deposits | 236,456 | 94,871 |
| Proceeds from fhlb advances | 170,000 | 150,000 |
| Repayments of fhlb advances | 240,000 | 170,000 |
| Cash dividends paid | 8,502 | 5,719 |
| Restricted stock units vesting | 265 | 224 |
| Common stock repurchased, net of repurchase costs | 13,983 | 1,499 |
| Exercise of stock options | 171 | 171 |
| Net cash provided by (used in) financing activities | 190,016 | 77,118 |
| Net decrease in cash and cash equivalents | -22,815 | -65,893 |
| Cash and cash equivalents at beginning of period | 257,745 | - |
| Cash and cash equivalents at end of period | 234,930 | - |
RBB Bancorp (RBB)
RBB Bancorp (RBB)