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Rcb Bank
Claremore, OK · FDIC Certificate #15399 · Chartered 01/1
Total assets
$3.98B
Total deposits
$3.49B
Total equity
$473.40M
Net loans
$2.26B
Branches (offices)
61
Net income (YTD)
$29.73M
Rank: #338 of 4,213 U.S. banks by assets · #7 of 168 in Oklahoma. Assets changed 0.3% and deposits -0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.47% |
| Return on equity | 12.68% |
| Net interest margin (YTD) | 3.82% |
| Equity to assets | 11.88% |
| Tier 1 leverage ratio | 10.70% |
| Uninsured deposits (share of deposits) | 21.9% |
| Noncurrent loans (share of loans) | 0.94% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 64.9% |
| Real estate loans (share of loans) | 56.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.27B | 56.1% | |
| Commercial & industrial | $102.17M | 4.5% | |
| Consumer / individual | $182.99M | 8.1% | |
| Construction & development | $165.90M | 7.3% | |
| Agricultural | $64.33M | 2.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $4.13B | $3.77B | $19.64M | $311.44M |
| Jun 2023 | $3.96B | $3.33B | $24.40M | $339.67M |
| Jun 2024 | $3.98B | $3.26B | $19.64M | $384.88M |
| Jun 2025 | $3.97B | $3.50B | $24.52M | $438.40M |
| Jun 2026 | $3.98B | $3.49B | $29.73M | $473.40M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $2.82B | 41 |
| Kansas | $662.02M | 20 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.49B.
Similar-sized banks
Vallant Bank ($3.99B) · Commercial Bank Of California ($3.98B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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