Investor Presentaiton

Deposit Portfolio as of September 30, 2017 Strongest growth coming in DDAs Top 10 Deposit Relationships = $270.6 million (21.7% of total deposits) . 4 of the Top 10 Relationships are with Directors and shareholders of the Company; $87.1 million, or ~32% of Top 10 total Average Portfolio Life of 4.10 Years For the Three Months Ended September 30, 2017: Noninterest-Bearing Demand NOW Savings Money Market Retail Time¹ Jumbo Time² Total Deposits Deposit Portfolio Composition Total: $1.29 billion Jumbo Time² 26.6% Noninterest- Bearing Demand 21.8% 79.4% Core³ Avg. Balance Weighted Savings, ($mm) Avg. Rate NOW & $227.9 0.00% Money $19.2 0.23% Retail Time¹ Market $36.7 0.46% 24.1% 27.5% $314.3 0.75% $327.9 1.18% $362.5 1.18% $1,288.4 0.83% (1) Retail Time includes time deposits with balances less than $250,000 23 (2) (3) Jumbo Time includes time deposits with balances of $250,000 and greater Reconciliation in Appendix on page 28 RBB BANCORP 皇佳商業金控 17

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