<SEC-DOCUMENT>0001437749-23-031635.txt : 20231113
<SEC-HEADER>0001437749-23-031635.hdr.sgml : 20231113
<ACCEPTANCE-DATETIME>20231113162258
ACCESSION NUMBER:		0001437749-23-031635
CONFORMED SUBMISSION TYPE:	NT 10-Q
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20230930
FILED AS OF DATE:		20231113
DATE AS OF CHANGE:		20231113
EFFECTIVENESS DATE:		20231113

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			RBB Bancorp
		CENTRAL INDEX KEY:			0001499422
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				272776416
		STATE OF INCORPORATION:			CA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		NT 10-Q
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-38149
		FILM NUMBER:		231399136

	BUSINESS ADDRESS:	
		STREET 1:		1055 WILSHIRE BOULEVARD
		STREET 2:		SUITE 1200
		CITY:			LOS ANGELES
		STATE:			CA
		ZIP:			90017
		BUSINESS PHONE:		213-533-7918

	MAIL ADDRESS:	
		STREET 1:		1055 WILSHIRE BOULEVARD
		STREET 2:		SUITE 1200
		CITY:			LOS ANGELES
		STATE:			CA
		ZIP:			90017
</SEC-HEADER>
<DOCUMENT>
<TYPE>NT 10-Q
<SEQUENCE>1
<FILENAME>rbb20231109_nt10q.htm
<DESCRIPTION>FORM NT 10-Q
<TEXT>
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<p style="font-family:Times New Roman;font-size:18pt;font-variant:normal;text-align:center;margin:0pt;"><b>UNITED STATES</b></p>

<p style="font-family:Times New Roman;font-size:12pt;font-variant:normal;text-align:center;margin:0pt;"><b>SECURITIES AND EXCHANGE COMMISSION</b></p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>Washington, DC 20549</b></p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:18pt;font-variant:normal;text-align:center;margin:0pt;"><b>FORM 12b-25</b></p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>NOTIFICATION OF LATE FILING</b></p>

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<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt -126pt; text-align: center;">(Check one): &#9744;Form 10-K&nbsp; &nbsp;&#9744;Form 20-F&nbsp; &nbsp;&#9744;Form 11-K&nbsp; &#9746; Form 10-Q&nbsp;&nbsp; &#9744; Form N-SAR&nbsp; &nbsp;&#9744;Form N-CSR</p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt -126pt; text-align: center;">&nbsp;</p>

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			<td style="width: 100%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; text-align: center;">For Period Ended: September 30, 2023</td>
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			<td style="width: 100%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; text-align: center;">&nbsp;</td>
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			<td style="width: 100%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; padding-left: 0pt; text-align: center;">&#9744;Transition Report on Form 10-K</td>
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			<td style="width: 100%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; text-align: center;">&#9744;Transition Report on Form 20-F</td>
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			<td style="width: 100%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; text-align: center;">&#9744;Transition Report on Form 11-K</td>
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			<td style="width: 100%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; text-align: center;">&#9744;Transition Report on Form 10-Q</td>
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			<td style="width: 100%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; text-align: center;">&#9744;Transition Report on Form N-SAR</td>
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			<td style="width: 100%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; text-align: center;">&nbsp;</td>
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			<td style="width: 100%; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; text-align: center;">For the Transition Period Ended:</td>
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			<td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; text-align: center;">&nbsp;</td>
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			<td style="padding-left: 54pt; width: 659px; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; text-align: center;">Nothing in this form shall be construed to imply that the Commission has verified any information contained herein.</td>
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			<td style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; text-align: center;">&nbsp;</td>
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			<td style="padding-left: 54pt; width: 659px; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; text-align: center;">If the notification relates to a portion of the filing checked above, identify the item(s) to which the notification relates:</td>
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<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; margin: 0pt; text-align: center;">&nbsp;</p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>PART I -- REGISTRANT INFORMATION</b></p>

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<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">&nbsp;</p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 18pt; font-variant: normal; margin: 0pt 0pt 0pt 8pt; text-align: center;"><b>RBB BANCORP</b></p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><u>(</u>Full Name of Registrant<u>)</u></p>

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			<td style="width: 794px; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; text-align: center;"><b>001-38149</b></td>
			<td style="width: 788px; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; text-align: center;"><b>27-2776416</b></td>
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			<td style="width: 794px; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; text-align: center;"><b>(Commission</b></td>
			<td style="width: 788px; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; text-align: center;"><b>(IRS Employer</b></td>
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			<td style="width: 794px; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; text-align: center;"><b>File Number)</b></td>
			<td style="width: 788px; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; text-align: center;"><b>Identification No.)</b></td>
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<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">&nbsp;</p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">&nbsp;</p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Not Applicable</b></p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">(Former Name if Applicable)</p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">&nbsp;</p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>1055 Wilshire Blvd., 12<sup style="vertical-align:top;line-height:120%;">th</sup> floor</b></p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><u>(Address of Principal Executive Office (Street and Number))</u></p>

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<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>Los Angeles, CA 90017</b></p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;">City, State and Zip Code</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

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<p style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin: 0pt; text-align: left">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>PART II -- RULES 12b-25(b) AND (c)</b></p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 8pt; text-align: justify; text-indent: 0pt;">If the subject report could not be filed without unreasonable effort or expense and the registrant seeks relief pursuant to Rule 12b-25(b), the following should be completed. (Check box if appropriate)</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

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			<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>
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			<td style="vertical-align:middle;width:1.2%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">(a)</p>
			</td>
			<td style="vertical-align:middle;width:38.8%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">The reasons described in reasonable detail in Part III of this form could not be eliminated without unreasonable effort or expense;</p>
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			<td style="vertical-align:middle;width:1.7%;">&nbsp;</td>
			<td style="vertical-align:middle;width:1.2%;">&nbsp;</td>
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			<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&#9746;</p>
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			<td style="vertical-align:middle;width:1.2%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">(b)</p>
			</td>
			<td style="vertical-align:middle;width:38.8%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">The subject annual report, semi-annual report, transition report on Form 10-K, Form 20-F, Form 11-K, Form N-SAR or Form N-CSR, or portion thereof, will be filed on or before the fifteenth calendar day following the prescribed due date; or the subject quarterly report or transition report on Form 10-Q, or portion thereof, will be filed on or before the fifth calendar day following the prescribed due date; and</p>
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			<td style="vertical-align:middle;width:1.7%;">&nbsp;</td>
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			<td style="vertical-align:middle;width:1.7%;">&nbsp;</td>
			<td style="vertical-align:middle;width:1.2%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">(c)</p>
			</td>
			<td style="vertical-align:middle;width:38.8%;">
			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">The accountant's statement or other exhibit required by Rule 12b-25(c) has been attached if applicable.</p>
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			<td style="vertical-align:middle;width:1.7%;">&nbsp;</td>
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<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>PART III -- NARRATIVE</b></p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 8pt; text-indent: 0pt; text-align: justify;">State below in reasonable detail why Forms 10-K, 20-F, 11-K, 10-Q, N-SAR, N-CSR, or the transition report or portion thereof, could not be filed within the prescribed time period.</p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-indent: 45pt; text-align: justify;">&nbsp;</p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 8pt; text-align: justify;">In connection with the review of RBB Bancorp&#8217;s (the &#8220;Company&#8221;, &#8220;we&#8221;, &#8220;us&#8221; or &#8220;our&#8221;) interim financial statements for the three months ended September 30, 2023, the Company&#8217;s independent registered public accounting firm identified an<b> </b>adjustment to the Company&#8217;s noninterest income and net income during the interim period<b>. </b>The Company received a $5.0 million grant as a part of the&nbsp;Community Development Financial Institution Equitable Recovery Program award (the &#8220;Award&#8221;) during the interim period, which was previously&nbsp;recorded as&nbsp;noninterest income.&nbsp;The Company had previously announced in its quarterly earnings release that the Company&#8217;s noninterest income for the three months ended September 30, 2023 was $7.7 million, which included the full amount of the $5.0 million Award received.&nbsp;The Company subsequently determined that the income recognition should be deferred and not included in noninterest income for the interim period.&nbsp; As a result, the Company&#8217;s noninterest income for the three months ended September 30, 2023 was $2.8&nbsp;million, and its net income for the interim period was $8.5 million instead of the $12.0 million previously announced in the Company&#8217;s quarterly earnings release.</p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 8pt; text-align: justify;">&nbsp;</p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 8pt; text-align: justify;">Management of the Company and the Company&#8217;s independent public accounting firm re-evaluated the Company&#8217;s internal control over financial reporting related to infrequent transactions such as the income recognition for the Award and concluded that a material weakness existed in that area.&nbsp; As a result, management of the Company determined that the Company&#8217;s internal control over financial reporting and disclosure controls and procedures were not effective as of September 30, 2023.</p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 8pt; text-align: justify;">&nbsp;</p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 8pt; text-align: justify;">Because the adjustment was identified one day before the planned filing of the&nbsp;Quarterly Report on Form 10-Q for the quarter ended September 30, 2023 (the &#8220;Form 10-Q&#8221;), the Company&nbsp;was&nbsp;unable to adequately and timely address the adjustment within the Form 10-Q without unreasonable effort and expense.<b> </b>The Company expects to file the Form 10-Q no later than the November 14, 2023 expiration of the extension period.</p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt -9pt; text-align: justify;">&nbsp;</p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 7pt; text-align: justify;">The Company has provided a copy of the foregoing disclosures to its independent registered public accounting firm.</p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 7pt;">&nbsp;</p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 8pt; text-align: justify;"><i>Forward-Looking Statements</i></p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">&nbsp;</p>

<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt 0pt 0pt 8pt; text-align: justify;">This filing contains a number of forward-looking statements. Words such as "expect," "will," "working," and variations of such words and similar future or conditional expressions are intended to identify forward-looking statements. These forward-looking statements include, but are not limited to, statements regarding our beliefs and expectations relating to the filing of the Form 10-Q. These forward-looking statements are not guarantees of future results and are subject to a number of risks and uncertainties, many of which are difficult to predict and beyond our control. Important factors that may cause actual results to differ materially from those in the forward-looking statements include, but are not limited to, a material delay in the Company's financial reporting, including the possibility that the Company will not be able to file the&nbsp;Form 10-Q within the five-day extension permitted by the rules of the U.S. Securities and Exchange Commission, and the possibility that the ongoing review may identify errors or control deficiencies in the Company's accounting practices. We disclaim and do not undertake any obligation to update or revise any forward-looking statement in this report, except as required by applicable law or regulation.</p>

<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

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<p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;">&nbsp;</p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>PART IV -- OTHER INFORMATION</b></p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">(1) Name and telephone number of person to contact in regard to this notification</p>

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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>Alex Ko</b></p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b><u>(</u>213)</b></p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>&nbsp;533-7919</b></p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>(Name)</b></p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">&nbsp;<b>(Area Code)</b></p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;"><b>&nbsp;(Telephone Number)</b></p>
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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">(2) Have all other periodic reports required under Section 13 or 15(d) of the Securities Exchange Act of 1934 or Section 30 of the Investment Company Act of 1940 during the preceding 12 months or for such shorter period that the registrant was required to file such report(s) been filed? If answer is no, identify report(s). Yes &#9746;&nbsp;No&#9744;</p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">(3) Is it anticipated that any significant change in results of operations from the corresponding period for the last fiscal year will be reflected by the earnings statements to be included in the subject report or portion thereof?&nbsp;<br>
Yes&nbsp;&#9744;&nbsp; No&nbsp;&#9746;</p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">If so, attach an explanation of the anticipated change, both narratively and quantitatively, and, if appropriate, state the reasons why a reasonable estimate of the results cannot be made.</p>

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<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: center;"><b>RBB BANCORP</b></p>

<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:center;margin:0pt;">(Name of Registrant as Specified in Charter)</p>

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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">has caused this notification to be signed on its behalf by the undersigned hereunto duly authorized.</p>

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			<p style="margin: 0pt; font-family: &quot;Times New Roman&quot;; font-size: 10pt;">RBB BANCORP</p>

			<p style="margin: 0pt; font-family: &quot;Times New Roman&quot;; font-size: 10pt;">(Registrant)</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">Dated:&nbsp; November 13, 2023</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;">By:&nbsp;&nbsp;</p>
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			<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><u>/s/</u><u>&nbsp;Alex Ko</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u><u>&nbsp;</u></p>
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			<td style="vertical-align:top;width:19.7%;"><b>Alex Ko</b></td>
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			<td colspan="2" style="vertical-align:top;width:22%;">&nbsp;</td>
			<td style="vertical-align:top;width:19.7%;"><b>Chief Financial Officer</b></td>
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