AI智能总结
7R2XU6KDUHKROGHUV 6LQFHRXUIRXQGLQJLQ5R\DO%XVLQHVV%DQNKDVEHFRPHWKHFRPPXQLW\EDQNRIFKRLFHIRUWKH$VLDQ$PHULFDQFRPPXQLWLHVLQ&DOLIRUQLD+DZDLL,OOLQRLV1HYDGD1HZ-HUVH\DQG1HZ<RUN:HKDYHDFKLHYHGWKLVE\RIIHULQJRXWVWDQGLQJFRPPHUFLDODQGUHWDLOEDQNLQJVROXWLRQVWKDWDGGUHVVRXUFOLHQWV XQLTXHUHTXLUHPHQWV2XUWHDPPHPEHUVVKDUHFXOWXUDOWLHVZLWKWKHFRPPXQLWLHVWKH\VHUYHZKLFKHQKDQFHVRXUDELOLW\WRGHOLYHUPRUHWDLORUHGEDQNLQJH[SHULHQFHV7KHVHGHHSURRWHGFRPPXQLW\FRQQHFWLRQVFRXSOHGZLWKRXUH[WHQVLYHLQGXVWU\NQRZOHGJHDQGVZLIWUHVSRQVHFDSDELOLWLHVIRUPRXUFRPSHWLWLYHHGJHGULYLQJRXUH[SDQVLRQRYHUWKHSDVW\HDUV :KLOHRXUPRGHOKDVSURYHGVXFFHVVIXO5R\DO%XVLQHVV%DQN¶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avid R. MorrisChief Executive Officer Chair of the Board of Directors 'DYLG50RUULV٭ⷫ੧ؒ &KULVWLQD.DR嗋з㫵П٭ ɸɸɶɸɺCCh=YVIYd d=I(ICdCd] 'JOBODJBM3FQPSU'PSN,1BHF #PBSEPG%JSFDUPSTBOE0GGJDFST1BHF $PSQPSBUF*OGPSNBUJPO1BHF #SBODIFT1BHF FORM 10-K (Mark One)ցANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the fiscal year ended December 31, 2024ORտTRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934FOR THE TRANSITION PERIOD FROMTOCommission File Number 001-38149 RBB BANCORP (Exact name of Registrant as specified in its Charter) California27-2776416(State or another jurisdiction of incorporation or organization)(I.R.S. Employer Identification No.) 1055 Wilshire Blvd., 12thfloorLos Angeles, California90017(Address of principal executive offices)(Zip Code)Registrant’s telephone number, including area code: (213) 627-9888 Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. YesտNoց Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 duringthe preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements forthe past 90 days. YesցNoտ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 ofRegulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit suchfiles). YesցNoտ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerginggrowth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller