For the year ending 2025-12-31, RBB had -$45,428K decrease in cash & cash equivalents over the period. $42,589K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 31,948 |
| Depreciation and amortization of premises and equipment | 1,871 |
| Net accretion of discount for securities, loans, deposits, and other | 2,913 |
| Unrealized loss/(gain) on equity securities | -74 |
| Amortization of investment in affordable housing tax credits | 2,097 |
| Amortization of intangible assets | 1,807 |
| Amortization of right-of-use asset | 5,126 |
| Change in operating lease liabilities | -5,009 |
| Provision for credit losses | 10,358 |
| Stock-based compensation, net | 1,743 |
| Deferred tax (benefit)/expense | -641 |
| Gain on sale of loans | 1,156 |
| Gain on oreo | 0 |
| Gain on sale of fixed assets | 42 |
| Increase in cash surrender value of boli | 1,676 |
| Loans originated and purchased for sale, net | 7,751 |
| Proceeds from loans sold | 17,630 |
| Other items | -10,079 |
| Net cash provided by operating activities | 43,387 |
| Purchases | 260,984 |
| Available For Sale | 286,465 |
| Held To Maturity | 1,000 |
| (purchase) sale of other equity securities, net | 3,216 |
| Net increase of investment in qualified affordable housing projects | 3,765 |
| Net (increase)/decrease in loans | 343,792 |
| Proceeds from sales of loans originally classified as hfi | 57,343 |
| Proceeds from sales of oreo | 7,526 |
| Proceeds from sale of fixed assets | 42 |
| Purchases of premises and equipment | 798 |
| Net cash (used in)/provided by investing activities | -260,179 |
| Net increase/(decrease) in demand deposits and savings accounts | 256,791 |
| Net increase/(decrease) in time deposits | 9,667 |
| Advances from federal home loan bank | 170,000 |
| Repayment of federal home loan bank borrowings | 240,000 |
| Cash dividends paid | 11,264 |
| Restricted stock units vesting | 265 |
| Redemption of subordinated notes | 0 |
| Common stock repurchased, net of repurchased costs | 13,982 |
| Exercise of stock options | 417 |
| Net cash provided by/(used in) financing activities | 171,364 |
| Net (decrease)/increase in cash and cash equivalents | -45,428 |
| Cash and cash equivalents at beginning of period | 257,745 |
| Cash and cash equivalents at end of period | 212,317 |
RBB Bancorp (RBB)
RBB Bancorp (RBB)