Rbb Bancorp · NASDAQ:RBB
Rbb Bancorp — Q3 2026 Earnings Presentation
18 slides from Rbb Bancorp's earnings presentation, Oct 20, 2026
Slide 1: 2026 Third Quarter Earnings Results
Exhibit 99.2 NASDAQ: RBB 2026 Third Quarter Earnings Results October 19, 2026
Slide 2: Disclosure Statement
Disclosure Statement This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements
Slide 3: 3rd Quarter 2026 | Financial Highlights
3rd Quarter 2026 | Financial Highlights ($ in thousands, except per share data) 3Q25 2Q26 3Q26 (4) QoQ YoY 3Q26 Highlights Earnings & Profitability Diluted Earnings Per Share (EPS) $ 0.59 $ 0.59 $ 0.74 25% 25% Net Income Growth Net Interest Income $ 29,277 $ 30,086 $ 31,761 6% 8% $12.6 million Net I
Slide 4: Strategically Managed Balance Sheet
Strategically Managed Balance Sheet Loan to Deposit Ratio ($ in thousands, except per share data) 9/30/2025 12/31/2025 3/31/2026 6/30/2026 9/30/2026 100.1% 98.1% 99.0% 99.6% 97.6% Cash and Due From Banks $ 235,530 $ 212,917 $ 197,510 $ 283,615 $ 190,890 Available for Sale (AFS) Securities 410,631 40
Slide 5: Income Statement Trends
Income Statement Trends Net Income and Diluted EPS ($ in thousands, except per share data) 9/30/2025 12/31/2025 3/31/2026 6/30/2026 9/30/2026 ($ in thousands except per share amounts) Interest and Fees on Loans $ 50,094 $ 50,447 $ 49,938 $ 50,663 $ 52,200 $0.74 Interest on Investment Securities 4,59
Slide 6: Loan Portfolio Highlights
Loan Portfolio Highlights Diversified loan portfolio at 9/30/26 Loan Portfolio Composition as of 9/30/26 ■ SFR - Mainly non-qualified mortgage loans ■ CRE – Loans secured by commercial real estate, including multifamily and owner/non-owner occupied CRE ■ C&D – Construction and land development loans
Slide 7: Business Line Profile: CRE | C&D
Business Line Profile: CRE | C&D CRE Loans CRE Loans at 9/30/26 ($ in thousands) % $1.28 billion Mixed Use $ 221,785 17.3% Single Hotel/Motel 131,809 10.3% Family Other 2.4% Owner Warehouse and Industrial 101,857 8.0% Occupied 11.7% Retail 85,416 6.7% Office 47,834 3.7% Other Non- Multifamily Owner
Slide 8: Business Line Profile: Residential Mortgage Portfolio
Business Line Profile: Residential Mortgage Portfolio Distribution by Geography Distribution by LTV (1) Residential Mortgage: Distribution by Geography Residential Mortgage: Distribution by LTV IL NV Other 3.1% 1.4% 1.6% NJ 70-95 3.2% 3.8% NorCal 65-70 6.7% 12.9% <50 SoCal 31.7% 36.4% $1.76 billion
Slide 9: Business Line Profile: C&I | SBA
Business Line Profile: C&I | SBA C&I Loans SBA Loans C&I and SBA Portfolio $200.3 million $151.8 million $48.5 million Shared $200.7 $196.0 $205.2 $201.6 $200.3 Nat'l Guaranteed Credits 16.9% Commercial Term $54.0 $56.0 $52.3 $49.7 $48.5 1.2% 17.7% Unguaranteed Secured by RE $146.7 $140.1 $152.9 $15
Slide 10: Asset Quality Metrics: Nonperforming Assets Declined
Asset Quality Metrics: Nonperforming Assets Declined 9/30/2026 6/30/2026 NPAs / Total Assets NPAs # $ # $ % Change ($ in thousands) $54,314 $53,462 SFR 3 $ 896 2 $ 394 $48,836 $8,830 $43,579 CRE 1 3,057 4 8,146 $ in thousands $8,830 $4,268 $38,655 C&D 1 7,841 1 8,072 $19,820 C&I 2 5,109 2 5,113 $19,
Slide 11: Asset Quality Improved QoQ and YoY
Asset Quality Improved QoQ and YoY Special Mention & Substandard Loans Special Mention & Substandard Loans by Type $57,326 $2,231 $126,229 $7,841 $ in thousands $ in thousands $94,412 $97,272 $81,804 $81,654 $17,664 $76,880 $24,328 $75,175 $72,494 $6,158 $61,529 $57,326 $29,590 $49,349 $24,778 $20,2
Slide 12: Healthy Allowance For Credit Losses Coverage Ratio
Healthy Allowance For Credit Losses Coverage Ratio Allowance for Loan Losses (ALL) $44,892 $43,888 $43,666 $43,660 $44,038 ■ ALL to total loans ratio of 1.30%; ■ Net charge-offs to average loans ratio of 0.01%; and $ in Thousands ■ ALL to nonperforming loans ratio of 234% Loan portfolio increased $8
Slide 13: Deposits: Retail Deposit Growth Supports Net Loan Growth
Deposits: Retail Deposit Growth Supports Net Loan Growth Total Deposits at 9/30/26 Deposit Mix – QoQ Annualized $ in millions Wholesale -2% -1% +6% +1% deposits $3,366 $3,350 $3,340 $3,391 $3,397 $3.40 billion 1.8% $722 $956 $1,191 $1,238 $1,176 Time DDA $268 deposits, $226 16.4% $164 $120 $62 great
Slide 14: Operating Expense & Efficiency
Operating Expense & Efficiency Noninterest Expense Total Revenue & Efficiency Ratio $18.68 $18.97 $19.26 $19.02 $19.55 58.69% $2.45 $2.28 $2.53 $2.47 57.36% 57.46% $2.40 55.41% 53.02% $1.60 $1.50 $1.31 $1.31 $1.45 $1.72 $1.81 $1.75 $1.71 $1.69 $ in millions $ in millions $2.44 $2.51 $2.45 $2.59 $2.4
Slide 15: Accumulation of Strong Company Capital Ratios
Accumulation of Strong Company Capital Ratios CET1 Capital Ratio Tangible Common Equity Ratio(1) Increased book value per share 5% and tangible book 17.28% 17.49% 18.00% 17.87% 17.85% value per share(1) 6% YoY 10.67% 10.90% 11.12% 11.01% 11.05% Quarterly common stock dividend of $0.16 per share, 6.5
Slide 16: Appendix: Non-GAAP Reconciliations
Appendix: Non-GAAP Reconciliations 16
Slide 17: Non-GAAP Reconciliation: Tangible Common Equity and Tangible Assets
Non-GAAP Reconciliation: Tangible Common Equity and Tangible Assets Some of the financial measures included in this presentation are not measures of financial performance recognized by GAAP. These non-GAAP financial measures include “tangible common equity to tangible assets,” “tangible book value p
Slide 18: Non-GAAP Reconciliation: Pre-Tax Pre-Provision Income
Non-GAAP Reconciliation: Pre-Tax Pre-Provision Income Some of the financial measures included in this presentation are not measures of financial performance recognized by GAAP. These non-GAAP financial measures include “pre-tax pre-provision income.” Our management uses these non-GAAP financial meas