Claremore, OK · Cert 15399 · RCB Holding Co. Inc.
State charter, Fed member · FED · 61 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
85
Asset Quality
39
Profitability
42
Liquidity
0
Efficiency
31
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.
Claremore, OK · Cert 15399 · RCB Holding Co. Inc.
State charter, Fed member · FED · 61 branches
Q2 2026
Market Position · Tulsa, OK · 2026 SOD (annual) · 3.5% share · #6 of 59 inst. · $1.4B of $39.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.86% | 0.98% | 0.99% | 1.03% | 1.04% | 1.10% | 1.16% | +17 bps | |
| Return on Equity | 8.17% | 8.77% | 9.12% | 9.09% | 9.31% | 9.39% | 9.60% | 9.96% | +86 bps | |
| Net Interest Margin | 2.89% | 3.00% | 3.28% | 3.30% | 3.34% | 3.42% | 3.55% | 3.60% | +30 bps | |
| Efficiency Ratio | 69.48% | 68.31% | 67.33% | 67.32% | 66.53% | 66.31% | 65.25% | 64.33% | -299 bps | |
| Non-Interest Burden | 1.77% | 1.81% | 1.98% | 1.99% | 1.98% | 2.02% | 2.07% | 2.07% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.56% | -2.05% | -2.19% | -0.16% | -6.05% | 4.89% | 4.46% | 0.30% | +46 bps | |
| Loan Growth (YoY) | 0.10% | -0.99% | -0.51% | -0.19% | 0.22% | -0.83% | -2.93% | -0.97% | -77 bps | |
| Deposit Growth (YoY) | 3.51% | 4.82% | 4.42% | 7.27% | 1.23% | 3.71% | 4.14% | -0.46% | -773 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.49% | 0.45% | 0.67% | 0.66% | 0.61% | 1.16% | 1.28% | 0.94% | +28 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.04% | 0.06% | 0.04% | 0.05% | 0.08% | 0.11% | +5 bps | |
| Allowance / Loans | 1.18% | 1.18% | 1.17% | 1.13% | 1.15% | 1.15% | 1.16% | 1.08% | -5 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.6x | 1.7x | 1.7x | 1.9x | 1.0x | 0.9x | 1.1x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.65% | 9.87% | 10.31% | 10.41% | 10.07% | 10.44% | 10.45% | 10.70% | +29 bps | |
| Total Risk-Based Capital | 15.79% | 16.09% | 16.28% | 16.40% | 16.16% | 16.72% | 17.36% | 17.25% | +85 bps | |
| Equity / Assets | 10.24% | 10.45% | 11.04% | 11.03% | 11.57% | 11.44% | 11.52% | 11.88% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.90% | 66.03% | 66.11% | 65.94% | 67.22% | 63.14% | 61.63% | 65.60% | -33 bps | |
| Liquid Assets / Assets | 11.08% | 5.33% | 3.96% | 4.23% | 2.86% | 7.69% | 8.15% | 3.07% | -116 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 196.95% | 189.03% | 174.38% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.17% | 0.93% | 1.26% | 1.54% | Beats 44% | 99 / 176 | ||
| Return on Equity | 9.86% | 9.26% | 11.89% | 14.46% | Beats 32% | 119 / 176 | ||
| Net Interest Margin | 3.60% | 3.25% | 3.59% | 3.93% | Beats 51% | 86 / 176 | ||
| Efficiency Ratio | 65.13% | 52.79% | 59.55% | 67.66% | Beats 31% | 122 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.94% | 0.30% | 0.64% | 1.32% | Beats 35% | 116 / 176 | ||
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.04% | 0.10% | Beats 43% | 102 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.30% | 11.15% | 12.72% | 14.15% | Beats 89% | 19 / 176 | ||
| Total Risk-Based Capital Ratio | 17.25% | 11.81% | 13.63% | 15.33% | Beats 89% | 20 / 176 | ||
| Equity / Assets | 11.88% | 9.16% | 10.35% | 11.80% | Beats 77% | 41 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.60% | 80.94% | 89.73% | 97.21% | 4th pctl | 169 / 176 | ||
| Loans / Assets | 57.38% | 69.25% | 75.12% | 80.82% | 6th pctl | 166 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||