Investor Presentaiton

Consolidated Capital Ratios (1) (2) (3) Consolidated Capital Ratios 18.2% 18.5% Consolidated Capitalization Table 23.4% (Dollars in millions, except per share amounts) Long-Term Debt Long-Term Debt¹ Subordinated Debentures² Total Long-Term Debt As of September 30, 2017 Actual $49.5 3.4 $52.9 Shareholders' Equity 14.2% 14.6% Common Stock $204.2 Additional Paid-in Capital 8.7 Retained Earnings 47.6 10.50% Accumulated Other Comprehensive Loss Total Shareholders' Equity (0.1) $260.3 8.50% Total Capitalization $313.2 7.00% Common Shares Outstanding 15,790,611 4.00% Book Value Per Share $16.49 Tangible Book Value Per Share³ $14.49 Regulatory Capital Tier 1 Common Capital Tier 1 Risk-Based Capital 3 TCE / TA³ Tier 1 Leverage Tier 1 Common Ratio Capital Ratio Tier 1 Risk- Based Capital Ratio Total Risk- Based Capital Ratio Total Risk-Based Capital $229.3 $232.5 $293.9 Capital Ratios As Reported September 30, 2017 Basel III Fully Phased in Well-Capitalized Level Tangible Common Equity / Tangible Assets³ Tier 1 Leverage to Average Assets 14.2% 14.6% Tier 1 Common Capital to Risk-Weighted Assets 18.2% Tier 1 Capital to Risk-Weighted Assets Total Capital to Risk-Weighted Assets 18.5% 23.4% Consists of 6.50% fixed-to-floating rate subordinated notes which qualify as Tier 2 capital and which were issued in March 2016 and raised proceeds of $49.4 million Consists of subordinated debentures issued by the companies RBB acquired to a statutory trust which then issued trust preferred securities to the public; amount shown reflects a discount of $1.8 million to the aggregate principal balance of $5.2 million as a result of purchase accounting adjustments Non-GAAP reconciliation in Appendix on page 26 RBB BANCORP 皇佳商業金控 21

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