RBB Bancorp is a community-based financial holding company that operates through its wholly-owned subsidiary, Royal Business Bank. Established to serve the financial needs of Asian-American communities, the bank provides a comprehensive suite of commercial and consumer banking services. Its primary revenue source is net interest income generated from its loan portfolio, supplemented by non-interest income from service charges and fees. The company's lending activities are heavily focused on commercial real estate, construction and land development, commercial and industrial (C&I) loans, and Small Business Administration (SBA) loans, alongside single-family residential mortgages. RBB Bancorp funds these loans through a variety of deposit products, including retail, brokered, and collateralized deposits. Geographically, the bank maintains a footprint in key Asian-centric markets across the United States, with branches in California (Los Angeles, Orange, and Ventura counties), Nevada (Las Vegas), New York (Brooklyn, Queens, Manhattan), New Jersey (Edison), Illinois (Chicago), and Hawaii (Oahu). The bank's competitive position is driven by its deep community ties, specialized cultural and linguistic services, and expertise in trade finance and commercial lending for small- to medium-sized businesses.
