RCB Bank
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Data as of · sourced from FFIEC call reports. How we update
RCB Bank is an FDIC-insured commercial bank headquartered in Claremore, OK, established in 1936 (FDIC certificate 15399), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $3.98B, up 0.3% from Q2 2025, the 7th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 16.30% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 15399
- Headquarters
- Claremore, OK
- Established
- 1936
- Total assets, Q2 2026
- $3.98B
- Assets vs Q2 2025
- +0.3%
- CET1 ratio, Q2 2026
- 16.30%
- Domestic offices
- 62 FDIC institution directory, current count
- Routing number
- 103112594
- Latest call report
- Q2 2026, FFIEC 041 · RCB Bank call report
- Holding company
- RCB HOLDING COMPANY, INC.
- Asset rank in state
- 7th of 169 in Oklahoma
RCB Bank, based in Claremore, Oklahoma, reported $4.0 billion in assets at June 30, 2026. It pays an average of 1.01% on its deposits and borrowings, about half the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. It also holds commercial real estate loans worth 0.9 times its capital, about a third the median of 2.2 times for banks its size.
Net income for the quarter rose 24% from a year earlier, to $15 million. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.94% of loans from 0.66% a year earlier.
As of June 30, 2026, RCB Bank reported a CET1 capital ratio of 16.30%, a return on assets of 1.53%, a nonperforming-loan ratio of 0.94% and a Texas ratio of 5.24%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, RCB Bank is the 7th largest of the 169 banks headquartered in Oklahoma. Between Q1 2026 and Q2 2026, its total assets fell 2.2% to $3.98B, loans rose 3.7% and deposits fell 2.6%. Its loan book on June 30, 2026 was led by leases, at 29.2% of total loans, followed by 1-4 family residential loans at 20.2%. Its 61 offices in the FDIC Summary of Deposits are in 34 cities across 2 states; its Claremore 3 offices book 13% of its branch deposits. On its Q2 2026 call report, RCB Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 300 W Patti Page Blvd, Claremore, OK 74017
- County
- Rogers
- Metro Area
- Tulsa, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 14, 1936
- Former names
- Rogers County Bank (1976-1990)
- Domestic offices
- 62 FDIC institution directory, current count
- Employees (FTE)
- 736
- Domestic deposits
- $3.49B
- Allowance for credit losses
- $24.7M
- Net charge-offs (YTD)
- $1.2M
- Average total assets
- $4.05B
- Average total loans
- $1.60B
- Average interest-bearing deposits
- $2.56B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- July 9, 1936
- FDIC Cert
- 15399
- Fed RSSD
- 945053
- Website
- www.rcbbank.bank →
- Parent Holding Company
- RCB HOLDING COMPANY, INC. (RSSD 1130584)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, RCB Bank's total assets ranged from $3.87B (Q4 2024) to $4.14B (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.98B total assets against $3.97B; $3.51B total liabilities against $3.53B.
$2.26B net loans and leases against $2.28B; $3.49B total deposits against $3.50B.
$1.26B securities against $1.21B; $174.7M cash and balances due against $240.7M.
$45.4M total interest income against $43.4M; $8.9M total interest expense against $10.8M.
$36.5M net interest income against $32.6M.
$6.8M total noninterest income against $6.5M; $27.8M total noninterest expense against $26.7M.
$0 provision for credit losses against $0.
$15.5M net income against $12.4M.
1.53% return on assets against 1.26%; 3.99% net interest margin against 3.66%.
16.30% CET1 capital ratio against 15.40%; 10.70% tier 1 leverage ratio against 10.41%.
Inside the full RCB Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeRCB Bank rankings
Its closest position to the top of a national ranking is 331 of 4,196, for total assets; its furthest is 779 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.07% (Q3 2024) to 1.53% (Q2 2026) and its net interest margin ran from 3.21% (Q3 2024) to 3.99% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.30% | 1.53% | 0.94% | 5.24% | 3.99% |
| Q1 2026 | 16.35% | 1.41% | 1.28% | 6.95% | 3.86% |
| Q4 2025 | 15.71% | 1.40% | 1.16% | 6.52% | 3.89% |
| Q3 2025 | 15.14% | 1.39% | 0.61% | 3.65% | 3.74% |
| Q2 2025 | 15.40% | 1.26% | 0.66% | 4.08% | 3.66% |
| Q1 2025 | 15.25% | 1.24% | 0.67% | 4.13% | 3.56% |
| Q4 2024 | 15.04% | 1.33% | 0.45% | 2.98% | 3.62% |
| Q3 2024 | 14.73% | 1.07% | 0.49% | 3.06% | 3.21% |
Swipe the table sideways to see every column.
Branch Network
View all 61 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| RCB Bank (main office) | Claremore , OK | 74017 | $422.4M |
| Pryor Branch | Pryor , OK | 74361 | $292.0M |
| Rcb Bank Pioneer Branch | Ponca City , OK | 74601 | $240.1M |
| Owasso Branch | Owasso , OK | 74055 | $168.1M |
| Winfield Downtown Branch | Winfield , KS | 67156 | $165.5M |
| North 14th Street Branch | Ponca City , OK | 74601 | $132.0M |
| Nichols Hills Branch | Oklahoma City , OK | 73116 | $120.1M |
| Skiatook Branch | Skiatook , OK | 74070 | $106.7M |
| Collinsville Branch | Collinsville , OK | 74021 | $103.0M |
| Cushing Branch | Cushing , OK | 74023 | $92.4M |
| Catoosa Branch | Catoosa , OK | 74015 | $87.9M |
| Inola Branch | Inola , OK | 74036 | $87.8M |
| Drive-In Facility | Hutchinson , KS | 67502 | $86.6M |
| West Avenue A Branch | Hutchinson , KS | 67501 | $83.0M |
| Stillwater Branch-Perkins Road | Stillwater , OK | 74074 | $81.9M |
| Arkansas City Branch | Arkansas City , KS | 67005 | $81.0M |
| Broken Arrow Branch | Broken Arrow , OK | 74012 | $79.9M |
| Vinita Branch | Vinita , OK | 74301 | $77.7M |
| Blackwell Branch | Blackwell , OK | 74631 | $68.9M |
| Stillwater Branch | Stillwater , OK | 74074 | $65.9M |
| Drumright Branch | Drumright , OK | 74030 | $64.1M |
| Union Branch | Broken Arrow , OK | 74012 | $62.5M |
| Winfield Branch | Winfield , KS | 67156 | $54.8M |
| 96th Street Branch | Owasso , OK | 74055 | $53.0M |
| Edmond Office Branch | Edmond , OK | 73003 | $43.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2021 | Structure Change | Acquired Oklahoma State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2019 | Structure Change | Acquired Central Bank and Trust Co. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 30, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 30, 2016 | Structure Change | Acquired Cornerbank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 10, 2010 | Structure Change | Acquired Home National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 9, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| February 12, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 10, 2007 | Structure Change | Acquired Pioneer Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2006 | Structure Change | Acquired Bank of Nichols Hills Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 10, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 10, 1998 | Structure Change | Acquired Bank of Inola Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 27, 1996 | Structure Change | Acquired American Bank of Pryor Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 27, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 3, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1994 | Structure Change | Acquired American Exchange Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 13, 1993 | Structure Change | Acquired Liberty Bank of Owasso Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 12, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1990 | Structure Change | Acquired Bank of Oklahoma, Claremore Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 22 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action January 8, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.9% of deposits in OK, rank 9 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 835 applications, 612 loans originated, $138.3M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about RCB Bank
What are RCB Bank's total assets?
As of the Q2 2026 filing, RCB Bank reported total assets of $3.98 billion in its FFIEC call report.
Where is RCB Bank headquartered?
It is headquartered in Claremore, OK, United States.
When was RCB Bank founded?
It was established in 1936, per the FDIC institution directory.
Is RCB Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15399). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates RCB Bank?
RCB Bank's primary federal regulator is the Federal Reserve.
What is RCB Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.30% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does RCB Bank operate?
It operates 62 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is RCB Bank's Texas Ratio?
Its Texas Ratio is 5.24% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was RCB Bank previously called?
The charter now named RCB Bank has also operated as Rogers County Bank (1976-1990), per FDIC structure-change records.
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