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
Unfavorable gap of $83.8M · efficiency ratio beats 31% of banks $1B-$10B in assets operating regionally | 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 |