If You Invested in Cbb Bancorp (CBBI)

CBB Bancorp, Inc. (CBBI) is a financial holding company and the parent of Commonwealth Business Bank, which does business as “CBB Bank.” According to company disclosures in its earnings and dividend announcements, Commonwealth Business Bank is a full-service commercial bank that specializes in loans to small-to-medium-sized businesses. CBB Bancorp’s common stock trades on the OTCQX market under the ticker symbol CBBI.

The company describes CBB Bank as focusing on commercial banking services for business clients, with a particular emphasis on lending. Its specialization in loans to small-to-medium-sized businesses is highlighted repeatedly in CBB Bancorp’s press releases, underscoring the importance of business lending and related services in its overall banking model.

Branch and Office Network

CBB Bancorp reports that Commonwealth Business Bank operates a multi-state footprint. As of various 2025 disclosures, the Bank has twelve full-service banking offices located in:

• Los Angeles County, California
• Orange County, California
• Dallas County, Texas
• Honolulu, Hawaii
• Bergen County, New Jersey (Fort Lee, New Jersey is specifically mentioned in some releases)

In addition to full-service branches, the Bank maintains SBA regional offices and loan production offices. Company press releases state that there are three SBA regional offices in:

• Los Angeles County, California
• Dallas County, Texas
• Bergen County, New Jersey

The Bank also reports loan production offices in:

• Georgia
• Washington
• New York

Earlier 2025 disclosures also reference a network that included eleven full-service banking offices and two SBA regional offices, indicating that the branch and office footprint has expanded over time within the same core markets.

Business Focus and Banking Activities

In its quarterly earnings releases, CBB Bancorp emphasizes that CBB Bank is a full-service commercial bank with a specialization in loans to small-to-medium-sized businesses. The company’s financial results highlight activities such as:

• Originating and holding commercial loans, including loans held-for-investment and loans held-for-sale
• Selling Small Business Administration (SBA) loans and recognizing gain on sale of loans
• Earning SBA servicing fee income, net
• Managing an allowance for credit losses (ACL) on loans held-for-investment
• Maintaining investment securities, interest-earning deposits at the Federal Reserve Bank and other banks, and restricted stock investments

The company’s income statements in its 2025 financial results detail revenue components such as interest income, interest expense, net interest income, noninterest income (including gain on sale of loans and SBA servicing fee income), and noninterest expenses. These disclosures show that CBB Bancorp’s banking model combines traditional commercial lending and deposit-taking with SBA loan origination and sales.

Deposits, Capital and Asset Quality

CBB Bancorp’s quarterly financial disclosures include information on deposits, capital ratios, and asset quality. The company reports total deposits composed of noninterest-bearing and interest-bearing balances, and notes that CBB Bank is classified as “Well Capitalized” under applicable regulatory standards based on its regulatory capital ratios.

The company also discloses:

• Loans receivable, including loans held-for-sale and loans held-for-investment
• The Allowance for Credit Losses (ACL) as a percentage of loans held-for-investment
• Nonperforming assets, substandard loans, and delinquent loans
• Other real estate owned (OREO) and related gains or losses on sale of OREO

These metrics, reported in the company’s quarterly financial results, illustrate how CBB Bancorp tracks credit quality, capital adequacy, and balance sheet composition as part of its commercial banking operations.

Dividends and Shareholder Returns

CBB Bancorp’s Board of Directors has declared recurring quarterly cash dividends on its common stock, as disclosed in multiple 2025 press releases. The company announced quarterly cash dividends per common share with specified record dates and payment dates, indicating an ongoing policy of returning cash to shareholders through dividends. These dividend announcements are accompanied by the standard “About CBB Bancorp, Inc.” section describing the holding company and its banking subsidiary.

Leadership and Governance Developments

Company news releases provide insight into leadership changes at CBB Bancorp and CBB Bank. In 2025, the company announced:

• The retirement of a prior President and Chief Executive Officer of both the Company and the Bank, and the promotion of a new President and CEO to those roles
• The later appointment of Seungho Park as President and Chief Executive Officer of both CBB Bancorp, Inc. and Commonwealth Business Bank, effective in November 2025
• The appointment of Bill Lee as Executive Vice President and Chief Credit Officer of the Bank
• The appointment of Alex Ko as Executive Vice President and Chief Operating Officer, and later references to Mr. Ko as Executive Vice President and Chief Financial Officer

These leadership announcements underscore the company’s focus on executive experience in commercial banking and, as noted in the releases, experience in the Korean American banking market. The Board of Directors, through statements from its Chairwoman, has expressed confidence in the leadership team’s ability to guide CBB Bancorp and CBB Bank.

Regulatory Capital and Risk Management

In its quarterly financial results, CBB Bancorp reports detailed regulatory capital ratios for both the Company and the Bank, including:

• Common Equity Tier 1 Risk-Based Capital Ratio
• Total Risk-Based Capital Ratio
• Leverage Ratio

The company states that CBB Bank continues to be classified as “Well Capitalized” under applicable regulatory standards. It also discloses its provision for credit losses, ACL coverage of nonperforming assets, and trends in nonperforming assets and substandard loans. These disclosures indicate an emphasis on prudent risk management and regulatory capital compliance as part of its commercial banking operations.

Geographic and Market Focus

CBB Bancorp’s disclosures show a geographic focus on several key markets in the United States. The Bank’s full-service branches, SBA regional offices, and loan production offices are located in:

• California (Los Angeles County and Orange County)
• Texas (Dallas County)
• Hawaii (Honolulu)
• New Jersey (Bergen County, including Fort Lee)
• Georgia
• Washington
• New York

In leadership announcements and commentary, the company references experience in the Korean American banking market and in the Los Angeles area, reflecting a focus on communities and business customers in these regions. The Bank describes itself as a relationship-driven institution in its earnings commentary.

How CBB Bancorp Communicates With Investors

CBB Bancorp uses regular press releases to provide updates on quarterly financial results, dividends, leadership changes, and other corporate developments. In its earnings releases, the company directs investors to the “Investor Relations” section of its website under the “About Us” tab for additional materials such as quarterly overviews. The company’s press releases also include detailed financial tables covering income statements, balance sheets, capital ratios, and selected performance metrics.

Summary

According to its public disclosures, CBB Bancorp, Inc. is a financial holding company in the commercial banking industry, with operations conducted through Commonwealth Business Bank, or “CBB Bank.” The Bank is described as a full-service commercial bank that specializes in loans to small-to-medium-sized businesses, operates a multi-state branch and office network, and reports detailed financial and capital information in its quarterly results. Leadership updates, dividend declarations, and financial performance metrics provide investors with ongoing insight into the company’s operations and governance.