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RCB Bank

Claremore, OK · Cert 15399 · RCB Holding Co. Inc.

State charter, Fed member · FED · 61 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

85

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

31

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

RCB Bank

Claremore, OK · Cert 15399 · RCB Holding Co. Inc.

State charter, Fed member · FED · 61 branches

Q2 2026

$4.0BAssets
$2.3BLoans
$3.5BDeposits
$473.4MEquity
Loan mix
82%RE $1.3B7%C&I $0.1B11%Consumer $0.2BQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $2.5B27%Noninterest $1.0BQ2 2025Q2 2026

NIM

4.13%Q2 ’244.31%Q2 ’254.42%Q2 ’26+16%+9%

Non-interest income vs. expense

2.53%Q2 ’242.66%Q2 ’252.74%Q2 ’26+13%+4%

Market Position · Tulsa, OK · 2026 SOD (annual) · 3.5% share · #6 of 59 inst. · $1.4B of $39.3B

56.2% Rogers
1.3% Tulsa
34.1% Kay
38.1% Mayes

Executive Summary

  • Earnings: ROA of 1.16%, up 17 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.94% of loans (+28 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 10.70%, up 29 bps from a year ago.
  • Funding: loans stand at 65.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.16%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.60%+30 bps YoY

Efficiency Ratio (YTD, annualized)

64.33%-299 bps YoY

Tier 1 Leverage Ratio

10.70%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%1.03%1.04%1.10%1.16%+17 bps
Return on Equity9.09%9.31%9.39%9.60%9.96%+86 bps
Net Interest Margin3.30%3.34%3.42%3.55%3.60%+30 bps
Efficiency Ratio67.32%66.53%66.31%65.25%64.33%-299 bps
Non-Interest Burden1.99%1.98%2.02%2.07%2.07%+7 bps
Growth
Asset Growth (YoY)-0.16%-6.05%4.89%4.46%0.30%+46 bps
Loan Growth (YoY)-0.19%0.22%-0.83%-2.93%-0.97%-77 bps
Deposit Growth (YoY)7.27%1.23%3.71%4.14%-0.46%-773 bps
Asset Quality
Nonperforming Loans / Loans0.66%0.61%1.16%1.28%0.94%+28 bps
Net Charge-Offs / Loans0.06%0.04%0.05%0.08%0.11%+5 bps
Allowance / Loans1.13%1.15%1.15%1.16%1.08%-5 bps
Allowance Coverage of NPLs1.7x1.9x1.0x0.9x1.1x-0.6x
Capital
Tier 1 Leverage Ratio10.41%10.07%10.44%10.45%10.70%+29 bps
Total Risk-Based Capital16.40%16.16%16.72%17.36%17.25%+85 bps
Equity / Assets11.03%11.57%11.44%11.52%11.88%+85 bps
Liquidity & Funding
Loans / Deposits65.94%67.22%63.14%61.63%65.60%-33 bps
Liquid Assets / Assets4.23%2.86%7.69%8.15%3.07%-116 bps
CRE / Total Capitaln/a196.95%189.03%174.38%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

RCB Bank

Claremore, OK · Cert 15399 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · RCB Holding Co. Inc.

State charter, Fed member · FED · 61 branches

Q2 2026

$4.0BAssets
$2.3BLoans
$3.5BDeposits
$473.4MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 89% of banks $1B-$10B in assets operating regionally (rank 19 of 176).
  • Widest gap: efficiency ratio trails 69% of banks $1B-$10B in assets operating regionally (rank 122 of 176).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.17%

Rank 99 of 176

Net Interest Margin

3.60%

Rank 86 of 176

Efficiency Ratio

65.13%

Rank 122 of 176

Equity / Assets

11.88%

Rank 41 of 176

Non-interest income vs. expense

$27.3M$111.0MINCOMEEXPENSE
Unfavorable gap of $83.8M · efficiency ratio beats 31% of banks $1B-$10B in assets operating regionally
Bank 65.13%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.17%0.93%1.26%1.54%Beats 44%99 / 176
Return on Equity9.86%9.26%11.89%14.46%Beats 32%119 / 176
Net Interest Margin3.60%3.25%3.59%3.93%Beats 51%86 / 176
Efficiency Ratio65.13%52.79%59.55%67.66%Beats 31%122 / 176
Asset Quality
Nonperforming Loans / Loans0.94%0.30%0.64%1.32%Beats 35%116 / 176
Net Charge-Offs / Loans0.06%0.01%0.04%0.10%Beats 43%102 / 176
Capital
Tier 1 Capital Ratio16.30%11.15%12.72%14.15%Beats 89%19 / 176
Total Risk-Based Capital Ratio17.25%11.81%13.63%15.33%Beats 89%20 / 176
Equity / Assets11.88%9.16%10.35%11.80%Beats 77%41 / 176
Liquidity & Funding
Loans / Deposits65.60%80.94%89.73%97.21%4th pctl169 / 176
Loans / Assets57.38%69.25%75.12%80.82%6th pctl166 / 176
Brokered Deposits / Depositsn/aNot reported for this institution