TellerScore

RCB Bank is a state-chartered bank (fed member) headquartered in Claremore, Oklahoma, in business for about 90 years. At the end of Q2 2026 it reported $4.0B in total assets and $3.5B in deposits, with 62 offices across 2 states.

RCB Bank has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 897 banks with $1 billion – $10 billion. Among 170 banks headquartered in Oklahoma, it ranks 73rd. Problem-loan coverage contributes the most (91/100, 4.4%); capital cushion contributes the least (57/100, 10.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Tier 1 leverage ratio: 10.70%
Loan quality69/100
Noncurrent loans ÷ total loans: 0.94%
Earnings79/100
Return on assets (annualized): 1.47%
Funding & liquidity88/100
Loans ÷ deposits and uninsured-deposit share: 64.9% · 21.9% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.41%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 72).

TellerScore
687072Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202469
Q4 202471
Q1 202571
Q2 202572
Q3 202572
Q4 202568
Q1 202668
Q2 202672
Tier 1 leverage ratio
5.00%7.85%10.70%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.43%
Q3 20249.65%
Q4 20249.87%
Q1 202510.31%
Q2 202510.41%
Q3 202510.07%
Q4 202510.44%
Q1 202610.45%
Q2 202610.70%
Noncurrent loans
0.45%0.86%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.48%
Q3 20240.49%
Q4 20240.45%
Q1 20250.67%
Q2 20250.66%
Q3 20250.61%
Q4 20251.16%
Q1 20261.28%
Q2 20260.94%
Return on assets
0.99%1.23%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.99%
Q3 20241.01%
Q4 20241.09%
Q1 20251.24%
Q2 20251.25%
Q3 20251.31%
Q4 20251.32%
Q1 20261.40%
Q2 20261.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$4.0B10.70%0.94%1.47%64.9%
Q1 202668$4.1B10.45%1.28%1.40%60.9%
Q4 202568$4.1B10.44%1.16%1.32%62.4%
Q3 202572$3.9B10.07%0.61%1.31%66.5%
Q2 202572$4.0B10.41%0.66%1.25%65.2%
Q1 202571$3.9B10.31%0.67%1.24%65.3%
Q4 202471$3.9B9.87%0.45%1.09%65.3%
Q3 202469$4.1B9.65%0.49%1.01%67.1%
Q2 202468$4.0B9.43%0.48%0.99%70.1%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.70%
54th
Total risk-based capital17.25%
84th
Problem loans0.94%
28th
Net charge-offs0.11%
30th
Return on assets1.47%
68th
Net interest margin3.82%
57th
Efficiency ratio64.3%
33rd
Loans to deposits64.9%
90th
Uninsured deposits21.9%
79th
Loan-loss reserves1.08%
42nd
Texas ratio4.4%
43rd

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
First Fidelity BankBank Oklahoma City, OK69 out of 100, Moderate$3.0B10.2%0.46%vs
Armstrong BankBank Muskogee, OK74 out of 100, Strong$2.8B10.4%0.25%vs
InterBankBank Oklahoma City, OK62 out of 100, Moderate$5.3B11.1%1.56%vs
Stride Bank, National AssociationBank Enid, OK69 out of 100, Moderate$5.4B8.4%0.48%vs
Regent BankBank Tulsa, OK43 out of 100, Below average$2.2B9.9%2.51%vs
Gateway First BankBank Jenks, OK54 out of 100, Below average$2.1B14.1%4.36%vs

Deposit insurance

Is my money safe at RCB Bank?

Yes. RCB Bank is an FDIC-insured institution (FDIC certificate #15399). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.9% of deposits ($763.6M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.70%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.25% (benchmark: 10%).

Check how much of your own balance is covered

62 locations

Branches

RCB Bank lists 55 offices in 34 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, RCB Bank reported 822 home-loan applications under HMDA (LEI 2549007W5PWUV8XG3V90): 612 originated ($138,310,000 total), 67 denied, and 130 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
RCB Bank
Former names
Rogers County Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
15399
RSSD ID
945053
Primary regulator
FED
Holding company
Rcb Holding Co Inc
Established
January 14, 1936
Headquarters
300 W Patti Page Blvd, Claremore, OK 74017
Employees
736

Quick answers

RCB Bank: common questions

Is RCB Bank FDIC insured?

Yes. RCB Bank is an FDIC-insured institution (FDIC certificate #15399). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is RCB Bank's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has RCB Bank ever failed?

There is no failure record for FDIC certificate #15399 in the FDIC failed bank list.

How many branches does RCB Bank have?

62 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Claremore

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank of OwassoBank Owasso, OK93 out of 100, Very strong$639.3M15.7%0.01%vs
First BankBank Erick, OK93 out of 100, Very strong$118.0M14.2%0.27%vs
Saint Francis Employees Federal Credit UnionCredit union Tulsa, OK92 out of 100, Very strong$44.7M15.9%0.20%vs
The First National Bank and Trust Company of Broken ArrowBank Broken Arrow, OK89 out of 100, Very strong$269.5M16.4%0.14%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
United Members Federal Credit UnionCredit union Tulsa, OK87 out of 100, Very strong$10.4M18.6%0.15%vs