RBB Bancorp is a holding company whose primary subsidiary operates as an Asian-centric community bank, providing comprehensive banking and financial services to small- and medium-sized businesses and their owners as well as individuals, primarily across California and New York. The company generates revenue principally through net interest income earned on its diversified loan portfolio, which includes single-family residential mortgages, commercial real estate loans, construction and land development loans, commercial and industrial loans, and SBA loans, along with a broad range of deposit products that fund these lending activities. The bank supplements interest income through noninterest revenue from loan servicing, investment services, international trade finance, and mortgage warehouse lending to correspondent banks, serving a stable and geographically dispersed customer base of over 80% small-to-medium-sized deposit relationships.