RCB Bank
RCB Bank reported total assets of $4.0 bn at Q2 2026, up 0.3% on a year earlier, the 333rd largest of 497 banks in our US coverage. The CET1 capital ratio at RCB Bank was 16.30%, and the uninsured share of RCB Bank was 21.91%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, RCB Bank slipped from 303rd to 353rd among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , RCB Bank has taken over 4 institutions; the latest was Lakeside State Bank on (FDIC Call Reports).
- RCB Bank reports one of the lowest loan-to-deposit ratio readings among banks of $1 bn to $10 bn: 64.90% at , where the median of the 339 banks is 88.61% (FDIC Call Reports).
What sets RCB Bank apart
How large is RCB Bank?
The balance sheet of RCB Bank at : assets $4.0 bn, deposits $3.5 bn, net loans $2.3 bn (loans equal to 64.90% of deposits). Securities make up 31.6% of total assets at RCB Bank. Since , when RCB Bank held $2.5 bn, its assets grew 56.7%. In the year to , deposits at RCB Bank fell 0.5% while its total assets rose 0.3%. At , RCB Bank employed 736 full-time equivalent staff across 62 offices, about $5.4 mn of assets per employee and $56.2 mn of deposits per office.
How much funding at RCB Bank is uninsured?
At RCB Bank, uninsured deposits (above the FDIC limit) made up 21.91% of domestic deposits at (-0.65 pp on a year earlier); RCB Bank ranks 397th of 500 on this measure. In dollars, RCB Bank estimated $763.6 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.5 bn | -0.5% | 320th of 499 |
| Net loans and leases | $2.3 bn | -0.9% | 395th of 500 |
| Loan-to-deposit ratio | 64.90% | -0.29 pp | 439th of 500 |
| Tier 1 leverage ratio | 10.70% | +0.29 pp | 207th of 500 |
| Total risk-based capital ratio | 17.25% | +0.85 pp | 84th of 448 |
| Net interest margin | 3.82% | +0.27 pp | 196th of 500 |
| Return on assets (ROA) | 1.47% | +0.22 pp | 162nd of 500 |
| Efficiency ratio | 64.33% | -2.99 pp | 389th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $30.5 mn | Narrowed by $14.8 mn | |
| Noncurrent loans to total loans | 0.94% | +0.28 pp | 353rd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.11% | +0.05 pp | 275th of 500 (1 = lowest) |
US rank of RCB Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
RCB Bank: assets, deposits and loans
- Total assets $4.0bn
- Deposits $3.5bn
- Net loans $2.3bn
Capital and securities
The CET1 ratio of RCB Bank stood at 16.30% in , +0.90 pp year on year. Low and high at RCB Bank since : 10.41% () to 16.35% (). Equity capital of RCB Bank at : $473.4 mn, or 11.9% of total assets. RCB Bank also reported a total capital ratio of 17.25% for , and a tier 1 leverage ratio of 10.70%.
The available-for-sale portfolio of RCB Bank showed an unrealized loss of $30.5 mn at ; the loss narrowed by $14.8 mn over the year.
RCB Bank: capital ratios
- Total capital 17%
- CET1 16%
- Tier 1 leverage 11%
RCB Bank: unrealized securities gains and losses
- Available for sale -$31mn
- Held to maturity $0
Profitability and loan quality
For the year to , RCB Bank earned a return on equity of 12.68%; return on assets: 1.47%. Net interest margin at RCB Bank: 3.82%, +0.27 pp in a year. RCB Bank net income: $29.7 mn, up 21.2% year on year. The efficiency ratio of RCB Bank was 64.33%: about 64 cents cost per revenue dollar, against 53 cents at the median peer.
At , noncurrent loans were 0.94% of total loans at RCB Bank; net charge-offs: 0.11% of average loans. Gross loans and leases at RCB Bank: $2.3 bn, down 1.0% in a year.
RCB Bank: profitability
- Return on equity 13%
- Net interest margin 3.8%
- Return on assets 1.5%
Peer group of RCB Bank
The peer group of RCB Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of RCB Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Oklahoma. Against them, RCB Bank shows CET1 ratio 16.30% against a peer median of 14.95%, return on equity 12.68% against a peer median of 14.21% and uninsured deposit share 21.91% against a peer median of 39.01%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Union Savings Bank | State-chartered stock savings and loan association | OH | $4.0 bn | not reported | 19.84% | 13.45% | |
| River Bank & Trust | State nonmember bank | AL | $4.0 bn | 12.57% | 16.87% | 42.89% | |
| Central Bank & Trust Co. | State nonmember bank | KY | $4.0 bn | 15.12% | 10.25% | 35.13% | |
| RCB Bank | State member bank | OK | $4.0 bn | 16.30% | 12.68% | 21.91% | |
| Commercial Bank of California | State nonmember bank | CA | $4.0 bn | 11.78% | 14.75% | 61.85% | |
| Sumitomo Mitsui Trust Bank (U.S.A.) Limited | State nonmember bank | NJ | $3.9 bn | 45.25% | 13.68% | 92.29% | |
| First Guaranty Bank | State nonmember bank | LA | $3.9 bn | 14.95% | 5.85% | 25.29% | |
. FDIC Call Reports.
Last eight quarters
Two years at RCB Bank, to : assets -3.7%, deposits +3.5%, equity +11.8%. Staff 756 to 736.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.1 bn | $3.9 bn | $3.9 bn | $4.0 bn | $3.9 bn | $4.1 bn | $4.1 bn | $4.0 bn |
| Total deposits | $3.4 bn | $3.4 bn | $3.4 bn | $3.5 bn | $3.4 bn | $3.6 bn | $3.6 bn | $3.5 bn |
| Bank equity capital | $423.5 mn | $403.8 mn | $430.4 mn | $438.4 mn | $449.8 mn | $463.8 mn | $469.3 mn | $473.4 mn |
| CET1 ratio | 14.73% | 15.04% | 15.25% | 15.40% | 15.14% | 15.71% | 16.35% | 16.30% |
| Return on equity (ROE) | 10.37% | 11.11% | 11.58% | 11.56% | 11.85% | 11.91% | 12.21% | 12.68% |
| Uninsured share of domestic deposits | 21.82% | 23.77% | 23.45% | 22.56% | 22.62% | 24.09% | 23.53% | 21.91% |
| Full-time equivalent employees | 756 | 759 | 753 | 753 | 751 | 748 | 741 | 736 |
| Number of offices | 62 | 62 | 62 | 62 | 62 | 62 | 62 | 62 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of RCB Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Cornerbank (FDIC certificate 4803).
- . Absorbed Central Bank and Trust Co. (FDIC certificate 11772).
- . Absorbed Oklahoma State Bank (FDIC certificate 15611).
- . Absorbed Lakeside State Bank (FDIC certificate 22217).
Questions and identifiers
What were the total assets of RCB Bank?
RCB Bank reported $4.0 bn at in its Call Report. That makes RCB Bank the 333rd largest of 497 banks in our US coverage.
Is RCB Bank the same as its holding company?
No. This page covers RCB Bank, FDIC certificate 15399; RCB HOLDING CO INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is RCB Bank profitable?
RCB Bank reported net income of $29.7 mn for the year to ; annualized return on equity: 12.68%. So yes: RCB Bank made a profit over these months.
When is data for RCB Bank next updated?
Figures from RCB Bank for are due after .
Where can I check the figures for RCB Bank?
In the FDIC BankFind Suite record for certificate 15399, and in the Call Reports of RCB Bank (RSSD ID 945053) at the FFIEC Central Data Repository.