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300 W. Patti Page Blvd.
Claremore, OK 74017

RCB Bank is headquartered in Claremore and is the 7th largest bank in the state of Oklahoma. It is also the 341st largest bank in the nation. It was established in 1936 and as of December of 2013, it had grown to 559 employees at 34 locations. RCB Bank has a A health rating.

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Reviews (1)

Over Charging Customer On Stop Payments

Stop payment charges on automatic withdrawals is outrages. RCB will put a 6mnth stop payment on for one charge. They request a $28.00 fee for every month. So, if you request someone/company to stop the automatic draft they refuse, RCB will charge for every month until they stop the draft.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 RCB Bank had $7.86 million in non-current loans and owned real-estate with $215.7 million in equity and loan loss allowances on hand to cover it. This gives RCB Bank a Texas Ratio of 3.64% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for RCB Bank decreased dramatically from 5.27% as of December 31, 2012 to 3.64% as of December 31, 2013, resulting in a positive change of 30.86%.This indicates that the balance sheet and financial strength for RCB Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, RCB Bank has increased its total deposits by $27.67 million, resulting in 1.53% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth RCB Bank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. RCB Bank has $2.12 billion in assets with $215.7 million in equity, resulting in a capitalization level of 10.19%, which is above average.

Institution Statistics

FDIC Certificate #15399
Year Established1936
Primary RegulatorFED
Assets and Liabilities
Assets$2.12 billion
Loans$1.08 billion
Deposits$1.83 billion
Equity Capital$200.28 million
Loan Loss Allowance$15.43 million
Unbacked Noncurrent Loans$4.62 million
Real Estate Owned$3.23 million
Historic Data - December 2012
Assets$2.11 billion
Equity Capital$214.82 million
Loan Loss Allowance$15.48 million
Unbacked Noncurrent Loans$4.62 million
Real Estate Owned$4.38 million
Profit Margin - Quarterly
Net Interest Margin3.26%
Return on Assets1.31%
Return on Equity13.31%
Interest Income$72.08 million
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RCB Bank Savings Account Rates

0.10%--Regular Savings
0.10%--Kids Savings

RCB Bank Checking Account Rates

2.01%-$15kmy Interest Checking
0.10%--my Interest Checking

RCB Bank CD Rates

1.30%$1k-60 Month Fixed CD
1.15%$1k-48 Month Fixed CD
0.90%$1k-36 Month Fixed CD
0.65%$1k-25 Month Pop-Up CD
0.45%$1k-12 Month CD
0.33%$1k-18 Month Variable CD
0.30%$1k-182 Day CD

RCB Bank IRA Rates

1.30%$250-60 Month Fixed IRA (Traditional,Roth,CESA)
1.15%$1k-48 Month Fixed IRA (Traditional,Roth,CESA)
0.90%$250-36 Month Fixed IRA (Traditional,Roth,CESA)
0.65%$1k-25 Month Pop-Up IRA
0.65%$250-25 Month Pop-Up Roth IRA
0.65%$250-25 Month Pop-Up Education IRA
0.45%$250-12 Month Fixed IRA (Traditional,Roth,CESA)
0.33%$1k-18 Month Variable IRA
0.33%$250-18 Month Variable Roth IRA
0.33%$250-18 Month Variable Education IRA

RCB Bank has 34 locations. Click to view all RCB Bank locations.