RBB Bancorp Balance Sheet Health
Financial Health criteria checks 5/6
RBB Bancorp has total assets of $4.0B and total equity of $509.7M. Total deposits are $3.1B, and total loans are $3.0B earning a Net Interest Margin of 3.2%. It has insufficient allowance for bad loans, which are currently at 2% of total loans. Cash and short-term investments are $350.0M.
Key information
7.8x
Asset to equity ratio
3.2%
Net interest margin
| Total deposits | US$3.09b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.0% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | US$350.02m |
Recent financial health updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 5SZ's Assets to Equity ratio (7.8x) is low.
Allowance for Bad Loans: 5SZ has a low allowance for bad loans (72%).
Low Risk Liabilities: 89% of 5SZ's liabilities are made up of primarily low risk sources of funding.
Loan Level: 5SZ has an appropriate level of Loans to Assets ratio (76%).
Low Risk Deposits: 5SZ's Loans to Deposits ratio (99%) is appropriate.
Level of Bad Loans: 5SZ has an appropriate level of bad loans (2%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/23 16:27 |
| End of Day Share Price | 2024/12/23 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
RBB Bancorp is covered by 12 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Timothy Coffey | FIG Partners |
| Brendan Nosal | Hovde Group, LLC |
| Benjamin Gerlinger | Hovde Group, LLC |