季報
季度報告
10-Q
2026-08-07
RBB Bancorp第二季淨利息收入增至3009萬美元 信貸損失準備零計提
AI 繁中摘要
RBB Bancorp（納斯達克：RBB）公布截至2026年6月30日止第二季度及上半年業績 🏦
申報類型：10-Q（季度報告）
【業績重點】
- 第二季度淨利息收入為3,009萬美元，高於去年同期的2,733萬美元；上半年淨利息收入6,059萬美元，按年增長約13%
- 第二季度信貸損失準備錄得零計提（去年同期計提239萬美元）；上半年更錄得20萬美元撥回，反映資產質素改善
- 非利息收入第二季度為302萬美元，較去年同期的848萬美元大幅下降，主要因為去年同期收到520萬美元的「員工留任稅收抵免」（ERTC）一次性收入
【財務狀況】
- 總資產42.75億美元，較去年底增加6,700萬美元
- 貸款總額33.09億美元，輕微下降；存款總額33.91億美元，增加約4,000萬美元
- 現金及現金等價物2.83億美元，流動性充裕
【資產質素】
- 貸款損失準備金餘額為4,366萬美元，覆蓋率維持穩健
- 報告披露一筆500萬美元的次級商業房地產貸款，該貸款源於2020年，2025年第一季進行抵押品短售，貸款餘額減少81.6萬美元
- 非應計SFR按揭貸款中包括68萬美元正進行法拍程序的貸款
【資本及股東回報】
- 資本充足率保持穩健，符合監管要求（不包括2.5%資本留存緩衝）
- 公司於2026年6月15日宣布新的股份回購計劃；期內亦有進行回購
- 截至2026年7月31日，流通普通股為16,915,964股
【其他事項】
- 公司於2026年7月20日宣布季度股息
- 4%固定轉浮動利率次級債券已於2026年7月1日進入浮動利率期
【投資者影響】
銀行整體業績平穩，信貸成本回落及淨利息收入增長屬正面訊號；惟非利息收入因缺乏一次性稅收抵免而明顯減少，投資者應注意相關比較基數效應。商業房地產貸款的借款人財務狀況及利率環境仍是未來資產質素的關鍵觀察點。📊
展開英文正文
rbb20260630_10q.htm 0001499422 RBB Bancorp false --12-31 Q2 2026 428,022 426,145 4,078 4,103 100,000,000 100,000,000 0 0 0 0 100,000,000 100,000,000 0 0 16,985,919 16,985,919 17,057,397 17,057,397 0.16 0.16 0.32 0.32 0 0 0 0 0 0 0 0 0 0 0 0 71.5 0 0 0 0 40.0 http://fasb.org/us-gaap/2026#SecuredOvernightFinancingRateSofrMember 1.2 http://fasb.org/us-gaap/2026#SecuredOvernightFinancingRateSofrMember 1.65 0.26 2.25 0.26 2.10 0.26 55,000 55,000 110,000 0 0 0 6.0 1.1 12,000 12,000 6.16 1.0 361,000 171,000 1,000 10,675 6 26 3,071 9 23 36,074 12,000 28,000 19,956 0 0 0 1 180,576 24.65 http://fasb.org/us-gaap/2026#SecuredOvernightFinancingRateSofrMember July 20, 2026 August 11, 2026 July 31, 2026 false false false false The $5.0 million substandard CRE loan with a 2025 vintage represents a loan originated in 2020, with a collateral short sale in the first quarter of 2025 to a new borrower including an $816,000 reduction in the loan balance. Noninterest income outside the scope of ASC 606 consists primarily of net loan servicing income, letter of credit commissions, BOLI income, gains on sales of loans, other income from equity investments, recoveries on loans acquired in a business combination and other grant income including the Employee Retention Tax Credit of $5.2 million received in the second quarter of 2025. See Note 5 - Loan Servicing for additional information. Other fees consist of wealth management fees, miscellaneous loan fees and postage/courier fees. Other income consists of safe deposit box rental income, wire transfer fees, security brokerage fees, annuity sales, insurance activity, and OREO income. Nonaccrual SFR mortgage loans include $680,000 of loans in the process of foreclosure. Call option by the FHLB after initial one year lock out. Net of premiums (discounts) on acquired loans and net deferred (fees) and costs on originated loans. Represents the minimum and maximum range of adjustments made by appraisers for differences in comparable sales. Call option by the FHLB after initial six month lock out. These ratios are exclusive of the 2.5% capital conservation buffer. Other segment items include expenses for occupancy and equipment, data processing, legal and professional, office, marketing and business promotion, insurance and regulatory assessments, core deposit premium amortization and other expenses. Call option by the FHLB after initial three month lock out. Included in “Accrued interest and other assets” on the consolidated balance sheets. Includes non-farm and non-residential real estate loans, multifamily residential loans and non-owner occupied single-family residential loans. Includes 15,832 RSUs awarded to members of the Board of Directors, which immediately vested. Past due loans exclude nonaccrual loans. Included in “Accrued interest and other assets” on the consolidated balance sheets. Included in “Accrued interest and other liabilities” on the consolidated balance sheets. 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