BankingStats

RCB Bank

Claremore, Oklahoma, Rogers County

$4.0B in total assets, the 347th largest of 4,309 US banks and 7th of 171 headquartered in Oklahoma.

FDIC certificate
15399
Established
1936
Owned by
Rcb Holding Co Inc
Primary regulator
FED
Website
www.rcbbank.bank

At a glance

Compared with 20 banks headquartered in Oklahoma with $1 billion to $10 billion in assets, as of June 30, 2026.

Measure This bank Percentile Peer range, middle 90% Peer median
Total assets $4.0B 90% $1.6B
Loans $2.3B 90% $1.2B
Deposits $3.5B 90% $1.2B
Return on assets 1.43% 55% 1.38%
Net interest margin 3.82% 40% 3.99%
Efficiency ratio 64.3% 65% 59.5%
Equity to assets 11.88% 75% 10.13%
Loans to deposits 66% 15% 95%

Growth

Total assets grew 1.0% a year over the last 5 years and 4.6% a year over 10 years, including 4 acquisitions in the last 10 years.

Acquisitions

ClosedAcquired bankAssets at acquisition
Oct 2021Oklahoma State Bank Vinita, OK$203M
Oct 2021Lakeside State Bank Oologah, OK$79M
Apr 2019Central Bank and Trust Co. Hutchinson, KS, an affiliate under the same holding company$304M
Jul 2016Cornerbank Winfield, KS$264M
Jul 2010Home National Bank Blackwell, OK$585M
Feb 2007Pioneer Bank and Trust Ponca City, OK, an affiliate under the same holding company$211M
Dec 2006Bank of Nichols Hills Oklahoma City, OK, an affiliate under the same holding company$136M
Jul 1998Bank of Inola Broken Arrow, OK, an affiliate under the same holding company$31M
Sep 1996American Bank of Pryor Pryor, OK, an affiliate under the same holding company$92M
Jan 1994American Exchange Bank Collinsville, OK$29M
Nov 1993Liberty Bank of Owasso Owasso, OK$29M
Oct 1990Bank of Oklahoma, Claremore Claremore, OK$52M

Where they operate

62 branches in 21 counties.

Largest markets by deposits

CountyDepositsMarket shareRank
Rogers County, OK$692M56.2%1 of 5
Tulsa County, OK$467M1.3%17 of 52
Kay County, OK$447M34.1%1 of 8
Mayes County, OK$359M38.1%1 of 10
Cowley County, KS$332M35.7%1 of 7
Oklahoma County, OK$246M0.5%29 of 60

Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.

Branch history since 2016

Net gain of 20 branches since 2016 (42 to 62, +47.6%). 9 opened, 20 acquired, 9 closed or sold.

PeriodWhat happenedOpened or acquiredClosed or soldNet changeBranches at end
Start of 2016Starting point42
2016Acquired CornerbankOpened Norman, closed Norman111+1052
2017Opened CowetaClosed Arkansas City11052
2018Opened Norman and Oklahoma CityClosed 3 in Oklahoma23−151
2019Acquired Central Bank and Trust Co.Opened Lawrence and Wellington, closed Wellington81+758
2020Closed Norman01−157
2021Acquired Oklahoma State Bank and Lakeside State Bank50+562
2022Opened Caney and Vinita20+264
2023Closed Oilton and Stroud02−262

Balance sheet and earnings

Loans by type

TypeShareThis bankPeers
Commercial real estate 24%37%
1-4 family residential 20%19%
Consumer 8%5%
Construction and land 7%12%
Business (C&I) 4%18%
Farmland 3%3%
Agricultural 3%2%
Multifamily 1%3%
Other 29%2%

Deposits by type

TypeShareThis bankPeers
Other interest-bearing 55%51%
Noninterest-bearing 27%25%
Time deposits 17%24%

Brokered deposits are 0.0% of deposits (peers 7.8%).

Return on assets

Trailing four quarters, with the peer median.

Credit and capital

This bankPeer median
Noncurrent loans0.94%0.55%
Net charge-offs, annualized0.11%0.01%
Reserves to loans1.08%1.19%
Leverage ratio10.70%10.30%

Noncurrent loans exclude government-guaranteed portions.

Similar size in Oklahoma

Largest competitors in Rogers County, OK

Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/rcb