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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 1.05% | 0.98% | 0.99% | 1.10% | 1.10% | 1.10% | 1.21% | +21 bps | |
| Return on Equity | 8.27% | 10.15% | 9.12% | 9.01% | 9.72% | 9.53% | 9.60% | 10.31% | +130 bps | |
| Net Interest Margin | 2.97% | 3.35% | 3.28% | 3.37% | 3.44% | 3.57% | 3.55% | 3.67% | +31 bps | |
| Efficiency Ratio | 68.54% | 65.06% | 67.33% | 67.31% | 65.05% | 65.66% | 65.25% | 63.45% | -387 bps | |
| Non-Interest Burden | 1.78% | 1.95% | 1.98% | 2.04% | 1.97% | 2.08% | 2.07% | 2.07% | +3 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 | 0.02% | 0.02% | 0.04% | 0.08% | 0.00% | 0.07% | 0.08% | 0.14% | +6 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 | |