RCB Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 24.34 percentage points higher than in Q1 2026, at 114.85%. Within Oklahoma, RCB Bank is 76th of 169 on return on assets, 1.53% as of Q2 2026. RCB Bank reported 1.53% on return on assets for Q2 2026, 0.25 points above the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.30% |
| Tier 1 risk-based capital ratio | 16.30% |
| Total risk-based capital ratio | 17.25% |
| Tier 1 leverage ratio | 10.70% |
| Equity capital to assets | 11.88% |
| Tangible equity to tangible assets | 10.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.94% |
| Non-performing assets ratio | 0.55% |
| Net charge-off ratio | 0.20% |
| Texas ratio | 5.24% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 114.85% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.53% |
| Return on equity | 13.14% |
| Net interest margin | 3.99% |
| Efficiency ratio | 60.97% |
| Yield on earning assets | 4.93% |
| Cost of funds | 1.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.60% |
| Core deposits to total deposits | 95.87% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.46% |
| Securities to assets | 31.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.75% | 13.75% | 14.79% | 8.97% | 1.07% |
| Q4 2023 | 13.97% | 13.97% | 15.00% | 9.22% | 1.08% |
| Q1 2024 | 14.28% | 14.28% | 15.32% | 9.25% | 0.98% |
| Q2 2024 | 14.32% | 14.32% | 15.35% | 9.43% | 0.98% |
| Q3 2024 | 14.73% | 14.73% | 15.79% | 9.65% | 1.07% |
| Q4 2024 | 15.04% | 15.04% | 16.09% | 9.87% | 1.33% |
| Q1 2025 | 15.25% | 15.25% | 16.28% | 10.31% | 1.24% |
| Q2 2025 | 15.40% | 15.40% | 16.40% | 10.41% | 1.26% |
| Q3 2025 | 15.14% | 15.14% | 16.16% | 10.07% | 1.39% |
| Q4 2025 | 15.71% | 15.71% | 16.72% | 10.44% | 1.40% |
| Q1 2026 | 16.35% | 16.35% | 17.36% | 10.45% | 1.41% |
| Q2 2026 | 16.30% | 16.30% | 17.25% | 10.70% | 1.53% |
RCB Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock RCB Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full RCB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15399) · FFIEC NIC profile (RSSD 945053)