RCB Bank

Headquarters

300 West Patti Page Boulevard
Claremore, OK 74017
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.40% →
1-Year CD 0.40% 1.15% →
2-Year CD 0.70% 1.26% →
5-Year CD 1.00% 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

RCB Bank is an FDIC insured institution located in Claremore, OK. It was founded in 1936 and has approximately $3.18 billion in assets. Customers can open an account at one of its 56 branches.

FDIC Insured Yes
FDIC Certificate # 15399
Date Established 1936
Assets $ 3.18 billion
Loans $ 1,934.18 million
Deposits $ 2.78 billion
Capital $ 351.65 million
 

For a more detailed analysis of RCB Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 3, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $100 - Learn More
Money Market
0.10% $2,500 $49,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.10% $1,000 - Learn More
6 Mo CD
0.25% $1,000 - Learn More
12 Mo CD
0.40% $1,000 - Learn More
18 Mo CD
0.60% $1,000 - Learn More
24 Mo CD
0.70% $1,000 - Learn More
36 Mo CD
0.80% $1,000 - Learn More
48 Mo CD
0.90% $1,000 - Learn More
60 Mo CD
1.00% $1,000 - Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.40% $250 - Learn MoreShow Less
Checking Rates APY MIN FEE
my Interest Checking 2.01% $0 $0.00 Learn MoreShow Less

Loan Rates - July 3, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for RCB Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

Note to RCB Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

RCB Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


RCB Bank Locations


Financial Details

RCB Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of RCB Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
RCB Bank U.S. Bank Average
1.9% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, RCB Bank had $6,153,000 in non-current loans and $936,000 in owned real estate. To cover these potential losses it had $351,652,000 in equity and $22,080,000 in loans loss reserves. That gives it a Texas Ratio of 1.9%.

Return on Equity
RCB Bank U.S. Bank Average
12.14% 9.41%

RCB Bank has a Return on Equity of 12.14% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
RCB Bank U.S. Bank Average
11.07% 12.82%

RCB Bank has a Capitalization of 11.07% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

RCB Bank Balance Sheet Analysis

As of December 31, 2019, RCB Bank had assets of $3,176,415,000, loans of $1,934,175,000, and deposits of $2,783,192,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 292.87 million
Interest-bearing balances $ 238.42 million
Total securities $ 751.00 million
Federal funds sold and reverse repurchase $ 0.99 million
Net loans and leases $ 1,934.18 million
Loan loss allowance $ 22.08 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.94 million
Goodwill and other intangibles $ 71.01 million
All other assets $ 25.59 million
     Total Assets $ 2.82 billion
LIABILITIES
Total deposits $ 2.78 billion
      Interest-bearing deposits $ 2.14 billion
      Deposits held in domestic offices $ 2.78 billion
      % insured (estimated) 91.58%
Federal funds purchased and repurchase agreements $ 25.01 million
Trading liabilities N.A.
Other borrowed funds $ 1.30 million
Subordinated debt N.A.
All other liabilities $ 15.26 million
      Total Liabilities $ 2.82 billion
      Shareholders’ Equity $ 351.65 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 121.53 million
Total Interest Expense $ 20.98 million
Net interest income $ 100.55 million
Provision for loan and lease losses $ 1.80 million
Total non interest income $ 26.25 million
Total non interest expense $ 85.01 million
Pre-tax Net Operating Income $ 40.00 million

Bank Loan Profile?

The top three loan types in RCB Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks, RCB Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 16.43
Multifamily
Mortgages
2.46
Credit Card Loans 0.00
Consumer Auto Loans 3.87
Small Business Loans 9.50
Construction and Development Loans 5.55
Commercial Real Estate 36.67
Commercial and Industrial Loans 7.78
Farm Loans 2.62

Frequently Asked Questions About Rcb Bank

Branches and Savings

Is Rcb Bank FDIC insured?

Yes. It is covered under FDIC Certificate #15399.

Why does Rcb Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Rcb Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Rcb Bank a commercial bank?

Yes

Where are Rcb Bank locations?

See branch locations nearby.

Is Rcb Bank open on Saturdays?

Is Rcb Bank open on Sundays?

What time does Rcb Bank open?

What time does Rcb Bank close?

Are Rcb Bank ATMs Open 24/7?

Do Rcb Bank ATMs accept cash deposits?

Can Rcb Bank customers use other ATMs?

Do Rcb Bank branches have notaries?

Will Rcb Bank notarize my document?

What address for Rcb Bank should I put for incoming ACH transfers?

Will the Rcb Bank branch print checks?

Do Rcb Bank checks expire?

Does Rcb Bank require US citizenship to open account?

Can Rcb Bank close my account?

Does Rcb Bank Report to credit bureaus?

Does Rcb Bank Use Equifax?

What is Rcb Bank's ACH Routing Number?

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Products

Does Rcb Bank offer mortgages?

Compare mortgage rates here.

Does Rcb Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Rcb Bank offer personal loans?

Compare personal loan rates here.

Does Rcb Bank offer student loans?

Will Rcb Bank cash a check?

Will Rcb Bank redeem a savings bond?

Does Rcb Bank cash savings bonds?

Will Rcb Bank cash money orders?

Can Rcb Bank issue a money order?

Does Rcb Bank do currency exchange?

Background on The Bank

Who owns Rcb Bank?

How long has Rcb Bank been around?

Can Rcb Bank transfer to other banks?

Does Rcb Bank have quick pay?

Does Rcb Bank accept rolled coins?

Will Rcb Bank accept loose change?

Where is Rcb Bank headquarters?

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