RCB Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
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%, according to its call report filed with the FFIEC.
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)
- Offices
- 62 domestic
- 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
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full RCB Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock RCB Bank, freeRCB Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| 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
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 61 branches →
| 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2021 | Structure Change | Acquired Oklahoma State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 27, 1996 | Structure Change | Acquired American Bank of Pryor Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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
What the public regulatory sources show for RCB Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 194 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).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is RCB Bank headquartered?
RCB Bank is headquartered in Claremore, OK, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was RCB Bank founded?
RCB Bank was established in 1936, per the FDIC institution directory.
Is RCB Bank FDIC-insured?
Yes. RCB Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is RCB Bank's CET1 capital ratio?
RCB Bank 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?
RCB Bank 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?
RCB Bank's Texas Ratio is 5.24% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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