Investor Presentaiton

CRE Concentration' Below Interagency Guidance 375% RBB has demonstrated the ability to pursue acquisitions, including targets with significant CRE concentrations, then immediately manage down their CRE concentration post transaction closing • Los Angeles National Bank: Acquisition completed May 2013 TomatoBank: Acquisition completed February 2016 325% Announced Acquisition of Los Angeles National Bank 世界華商銀行 275% 225% 224% 168% 175% 211% Announced Acquisition of 318% TFC TFC Holding Company 176% 243% 125% 2012 Q1 Q2 Q3 Q4 Q1 2013 Q2 Q3 Q4 Q1 2014 Q2 Q3 Q4 Q1 2015 Q2 Q3 Q4 Q1 2016 2017 Q2 Q3 Q4 Q1 Q2 Q3 (1) CRE for the purpose of the CRE concentration ratio measured as total commercial real estate loans less owner-occupied commercial real estate loans plus construction and land development loans; CRE concentration measures this value as a percentage of total risk-based capital ("RBC") מו RBB BANCORP 皇佳商業金控 15

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