| Income Statement | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Interest and fees on loans | 50,094 | 47,687 | ||
| Interest on interest-earning deposits | 2,140 | 1,750 | ||
| Interest on investment securities | 4,592 | 4,213 | ||
| Dividend income on fhlb stock | 327 | 324 | ||
| Interest on federal funds sold and other | 239 | 231 | ||
| Total interest and dividend income | 57,392 | 54,205 | ||
| Interest on savings deposits, now and money market accounts | 4,674 | 4,567 | ||
| Interest on time deposits | 20,152 | 19,250 | ||
| Interest on long-term debt and subordinated debentures | 1,635 | 1,634 | ||
| Interest on fhlb advances | 1,654 | 1,420 | ||
| Total interest expense | 28,115 | 26,871 | ||
| Net interest income before provision for credit losses | 29,277 | 27,334 | ||
| Provision for credit losses | 625 | 2,387 | ||
| Net interest income after provision for credit losses | 28,652 | 24,947 | ||
| Service charges and fees | 1,099 | 1,060 | ||
| Gain on sale of loans | 260 | 358 | ||
| Loan servicing income, net of amortization | 564 | 541 | ||
| Increase in cash surrender value of life insurance | 427 | 411 | ||
| Gain on other real estate owned | 0 | 0 | ||
| Other income | 943 | 6,108 | ||
| Total noninterest income | 3,293 | 8,478 | ||
| Salaries and employee benefits | 10,600 | 11,080 | ||
| Occupancy and equipment expenses | 2,425 | 2,377 | ||
| Data processing | 1,805 | 1,713 | ||
| Legal and professional | 1,450 | 2,904 | ||
| Office expenses | 444 | 405 | ||
| Marketing and business promotion | 252 | 212 | ||
| Insurance and regulatory assessments | 732 | 709 | ||
| Core deposit intangible-Core Deposits | 172 | 172 | ||
| Other expenses | 803 | 921 | ||
| Total noninterest expense | 18,683 | 20,493 | ||
| Net income before income taxes | 13,262 | 12,932 | ||
| Income tax expense | 3,114 | 3,599 | ||
| Net income | 10,148 | 9,333 | ||
| Basic (in dollars per share) | 0.59 | 0.53 | ||
| Basic (in shares) | 17,225,702 | 17,746,607 | ||
| Diluted (in dollars per share) | 0.59 | 0.52 | ||
| Diluted (in shares) | 17,301,627 | 17,797,735 | ||
RBB Bancorp (RBB)
RBB Bancorp (RBB)