RCB Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks RCB Bank of Claremore, OK against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.53% | 1.34% | +0.19% | 67th above |
| ROAE | 13.14% | 12.34% | +0.80% | 54th above |
| Net Interest Margin | 3.99% | 3.83% | +0.16% | 68th above |
| Efficiency Ratio | 60.97% | 58.97% | +2.00% | 40th below |
| PPNR / Avg Assets | 1.53% | — | — | 36th below |
| Yield on Earning Assets | 4.93% | 5.71% | -0.78% | 17th bottom |
| Cost of Funds | 1.01% | 2.02% | -1.01% | 94th top |
| Net Interest Spread | 3.55% | — | — | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.94% | 0.87% | +0.07% | 28th below |
| NPA / Total Assets | 0.55% | — | — | 39th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.20% | 0.43% | -0.23% | 19th bottom |
| ACL / Total Loans | 1.08% | — | — | 41st below |
| ACL / NPLs (Coverage) | 114.85% | — | — | 29th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.24% | 5.48% | -0.24% | 37th below |
| Provision / NCO | 0.00% | — | — | 11th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 16.30% | 14.99% | +1.31% | 79th top |
| Tier 1 Ratio | 16.30% | 15.02% | +1.28% | 79th top |
| Total Capital Ratio | 17.25% | — | — | 78th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.70% | 11.11% | -0.41% | 54th above |
| Equity / Assets | 11.88% | 11.02% | +0.86% | 74th above |
| TCE / Tangible Assets | 10.11% | — | — | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.60% | 86.99% | -21.39% | 90th top |
| Core Deposit Ratio | 95.87% | 85.57% | +10.30% | 89th top |
| Uninsured Deposit Ratio | 21.91% | 33.19% | -11.28% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.30% | — | — | 16th bottom |
| Loan Growth (Y/Y) | -0.97% | — | — | 13th bottom |
| Deposit Growth (Y/Y) | -0.46% | — | — | 15th bottom |
See RCB Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock RCB Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full RCB Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the RCB Bank peer analysis.