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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