The bank maintains a stable capital position with an equity-to-assets ratio of 13%, supported by a $3.7 billion investment securities portfolio that accounts for the majority of its $4.2 billion in total assets.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 |
|---|
| Cash & Short Term Investments | 2.3B | 434.29M | 345.55M | 508.11M | 340.98M | 870.23M | 349.12M | 241.43M | 222.05M | 135.6M | 113.83M | 108.27M | 102.71M | 30.36M | 57.06M |
| Cash & Due from Banks | 196.91M | 27.09M | 258.35M | 431.97M | 84.15M | 501.97M | 138.25M | 115.36M | 148.28M | 70.65M | 74.56M | 87.85M | 102.71M | 30.36M | 57.06M |
| Short Term Investments | 420.57M | 407.2M | 87.2M | 76.14M | 256.83M | 368.26M | 210.87M | 126.07M | 73.76M | 64.96M | 39.28M | 20.42M | 0 | 0 | 0 |
| Total Investments | 3.72B | 3.68B | 3.44B | 3.32B | 3.56B | 3.28B | 2.95B | 2.42B | 2.64B | 1.44B | 1.19B | 850.93M | 0 | 0 | 0 |
| Investments Growth % | 30.95% | 6.84% | 3.8% | -6.8% | 8.51% | 11.32% | 21.68% | -8.4% | 84.02% | 21.08% | 39.39% | - | - | - | - |
| Long-Term Investments | 13.02B | 3.27B | 3.35B | 3.24B | 3.3B | 2.91B | 2.73B | 2.29B | 2.57B | 1.37B | 1.15B | 830.51M | 0 | 0 | 0 |
| Accounts Receivables | 93.52M | 0 | 0 | 0 | 50.5M | 0 | 40.28M | 34.81M | 33.34M | 0 | 7.69M | 4.08M | 0 | 0 | 0 |
| Goodwill & Intangibles | 78.54M | 72.84M | 73.51M | 74.29M | 75.22M | 73.32M | 74.44M | 64.66M | 65.98M | 31.38M | 31.73M | 4.47M | 5.3M | 4.71M | 788.89K |
| Goodwill | 71.5M | 71.5M | 71.5M | 71.5M | 71.5M | 69.24M | 69.24M | 58.56M | 58.38M | 29.94M | 29.94M | 4M | 4M | 4M | 788.89K |
| Intangible Assets | 7.04M | 1.34M | 2.01M | 2.79M | 3.72M | 4.08M | 5.2M | 6.1M | 7.6M | 1.44M | 1.79M | 466K | 1.3M | 713.74K | 0 |
| PP&E (Net) | 23.2M | 71.37M | 52.65M | 55.49M | 52.46M | 49.65M | 27.1M | 16.81M | 17.31M | 6.58M | 6.58M | 6.86M | 7.01M | 7.15M | 2.79M |
| Other Assets | 85M | 359.39M | 136.48M | 131.23M | 81.83M | 319.01M | 122.02M | 133.73M | 61.76M | 139.98M | 77.77M | 61.45M | 810.86M | 681.19M | 0 |
| Total Current Assets | 711.6M | 434.29M | 355.86M | 509.35M | 391.48M | 870.71M | 389.69M | 276.25M | 255.39M | 135.88M | 121.53M | 112.35M | 102.71M | 30.36M | 57.06M |
| Total Non-Current Assets | 3.48B | 3.77B | 3.64B | 3.52B | 3.53B | 3.36B | 2.96B | 2.51B | 2.72B | 1.56B | 1.27B | 910.73M | 823.18M | 693.05M | 3.58M |
| Total Assets | 4.19B | 4.21B | 3.99B | 4.03B | 3.92B | 4.23B | 3.35B | 2.79B | 2.98B | 1.69B | 1.4B | 1.02B | 925.89M | 723.41M | 576.48M |
| Asset Growth % | 21.22% | 5.41% | -0.83% | 2.73% | -7.31% | 26.21% | 20.14% | -6.29% | 75.96% | 21.18% | 36.41% | 10.5% | 27.99% | 25.49% | - |
| Return on Assets (ROA) | 0.98% | 0.78% | 0.67% | 1.07% | 1.58% | 1.5% | 1.07% | 1.36% | 1.55% | 1.65% | 1.58% | 1.33% | 1.26% | 1.08% | 0.7% |
| Accounts Payable | 0 | 0 | 0 | 0 | 20.83M | 13.98M | 16.4M | 17.36M | 21.94M | 10.37M | 7.09M | 4.53M | 0 | 0 | 0 |
| Total Debt | 289.81M | 314.89M | 364.39M | 315.28M | 434.83M | 360.79M | 268.67M | 113.72M | 432.71M | 102.95M | 52.72M | 0 | 0 | 0 | 0 |
| Net Debt | 92.9M | 287.8M | 106.05M | -116.7M | 350.68M | -141.18M | 130.42M | -1.64M | 284.43M | 32.3M | -21.84M | -87.85M | -102.71M | -30.36M | -57.06M |
| Long-Term Debt | 135.43M | 290.09M | 334.69M | 284.08M | 408.31M | 337.51M | 268.67M | 113.72M | 432.71M | 77.95M | 52.72M | 0 | 0 | 0 | 0 |
| Short-Term Debt | 130M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 25M | 0 | 0 | 0 | 7M | 0 |
| Other Liabilities | 33.57M | 19.6M | 36.42M | 24.73M | 1.16M | 1.2M | 0 | 0 | 0 | -24.72M | 7.69M | 4.85M | 0 | 0 | 0 |
| Total Current Liabilities | 3.47B | 3.35B | 3.08B | 3.17B | 3B | 3.4B | 2.65B | 2.27B | 2.17B | 1.37B | 1.15B | 854.59M | 5.46M | 3.62M | 2.53M |
| Total Non-Current Liabilities | 193.37M | 334.49M | 400.81M | 340M | 435.99M | 361.99M | 268.67M | 113.72M | 432.71M | 53.23M | 60.41M | 4.85M | 0 | 0 | 0 |
| Total Liabilities | 3.66B | 3.68B | 3.48B | 3.51B | 3.43B | 3.76B | 2.92B | 2.38B | 2.6B | 1.43B | 1.21B | 859.44M | 773.91M | 585.42M | 2.53M |
| Total Equity | 531.05M | 523.48M | 507.88M | 511.26M | 484.56M | 466.68M | 428.49M | 407.57M | 375.11M | 265.18M | 181.59M | 163.65M | 151.98M | 137.99M | 108.11M |
| Equity Growth % | 9.29% | 3.07% | -0.66% | 5.51% | 3.83% | 8.91% | 5.13% | 8.65% | 41.46% | 46.03% | 10.96% | 7.67% | 10.14% | 27.64% | - |
| Equity / Assets (Capital Ratio) | 12.66% | 12.44% | 12.72% | 12.7% | 12.36% | 11.04% | 12.79% | 14.62% | 12.61% | 15.68% | 13.01% | 16% | 16.41% | 19.08% | 18.75% |
| Return on Equity (ROE) | 7.85% | 6.2% | 5.23% | 8.53% | 13.52% | 12.71% | 7.88% | 10.02% | 11.28% | 11.43% | 11.05% | 8.22% | 7.19% | 5.69% | 3.74% |
| Book Value per Share | 30.92 | 30.54 | 27.93 | 26.93 | 25.06 | 23.53 | 21.51 | 19.99 | 20.88 | 17.40 | 13.26 | 12.07 | 9.69 | 11.62 | 12.02 |
| Tangible BV per Share | 26.35 | 26.29 | 23.89 | 23.02 | 21.17 | 19.83 | 17.77 | 16.81 | 17.20 | 15.34 | 10.94 | 11.74 | 9.35 | 11.22 | 11.94 |
| Common Stock | 251.05M | 250.69M | 259.96M | 271.93M | 276.91M | 282.33M | 284.26M | 290.39M | 288.61M | 205.93M | 142.65M | 141.87M | 136.21M | 125.71M | 102.37M |
| Additional Paid-in Capital | 3.65M | 3.94M | 3.65M | 3.62M | 3.36M | 4.6M | 4.93M | 4.94M | 5.66M | 8.43M | 8.42M | 7.71M | 6.37M | 5.2M | 0 |
| Retained Earnings | 290.57M | 282.02M | 264.46M | 255.15M | 225.88M | 181.33M | 138.09M | 112.05M | 81.62M | 51.27M | 30.78M | 14.26M | 9.45M | 7.37M | 370.6K |
| Accumulated OCI | -14.28M | -13.32M | -20.26M | -19.51M | -21.66M | -1.66M | 1.13M | 239K | -1.34M | -443K | -267K | -193K | -52K | -290.27K | 0 |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CRE and SBA concentration
According to recent financial statements, RBB's total assets grew from $3.9 billion in 2024Q2 to $4.2 billion by 2026Q1, a trend primarily driven by an increase in the investment securities portfolio rather than aggressive expansion of the core loan book.
The shift toward a larger securities portfolio suggests a defensive posture, potentially reflecting management's caution regarding credit risk in the current economic cycle. Investors should monitor whether this asset mix shift will eventually drag on net interest margins if the yield on these securities fails to outpace the cost of funding.
As reported in quarterly filings, RBB has maintained a consistent equity-to-assets ratio of approximately 12% to 13% over the last ten quarters, providing a stable capital buffer that appears sufficient to support current operations despite the bank's niche-focused business model.
This capital stability indicates a disciplined approach to balance sheet management, avoiding excessive leverage while navigating geographic expansion. The consistency in the equity base suggests that the bank is not currently under pressure to raise dilutive capital, though it may limit the capacity for rapid, inorganic growth.
Based on RBB's reported figures, cash and cash equivalents have exhibited significant volatility, ranging from a low of $27.1 million in 2025Q4 to a high of $432.0 million in 2023Q4, which may indicate a reliance on active liquidity management to offset cyclical deposit flows.
The wide variance in cash positions suggests that the bank's liquidity profile is highly sensitive to the timing of loan originations and secondary market sales. This volatility warrants further investigation into the bank's contingent funding sources to ensure that liquidity remains adequate during periods of unexpected deposit outflows.
Financial disclosures indicate that the bank's heavy reliance on investment securities, which reached $3.7 billion by 2026Q1, may mask underlying duration mismatches that could become problematic if interest rates remain elevated for a longer duration than currently anticipated by the market.
While the balance sheet appears healthy on the surface, the concentration in securities rather than diversified loan products may expose the bank to significant unrealized losses in the AOCI. Analysts should scrutinize the duration of this portfolio to determine if the bank is effectively hedged against further interest rate volatility.
Quick answers to the most common questions about buying RBB stock.
As of 2025, RBB Bancorp (RBB) had total assets of $4.21B including $434.3M in current assets.
RBB Bancorp (RBB) carries total debt of $314.9M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
RBB Bancorp (RBB) has total shareholders' equity (book value) of $523.4M ($30.54 book value per share). Book value represents the net worth of the company belonging to common stock holders.
RBB Bancorp (RBB) reported a current ratio of 0.13x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.