Average User Rating:
1 star rating based on 1 review.

RCB Bank

300 W. Patti Page Blvd.
Claremore, OK 74017
918.341.6150
www.rcbbank.com

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RCB Bank is headquartered in Claremore and is the 6^th largest bank in the state of Oklahoma. It is also the 337^th largest bank in the nation. It was established in 1936 and as of December of 2012, it had grown to 557 employees at 31 locations. RCB Bank has a 5-star health rating.

RCB Bank RCA Drop (3.01%APY,$15K) To (2.01%APY,$15K) (Forum) - 1/2/2013

The 3.01% APY on "my Interest Checking" held for just over a year.

RCB Bank's Reward Checking Balance Cap Drops From $25K To $15K (Forum) - 3/2/2011

The balance cap on RCB Bank's Go Green Reward Checking Account has dropped from $25K to $15K for new customers. This is now shown on RCB Bank's website. On the plus side, the top rate of 4.10% APY continues. For existing customers, this is taking effect

Top Reward Checking and 5-Year CD Rates Continue at RCB Bank in KS & OK - Local Only - 1/6/2011

RCB Bank continues to have two good deposit deals. The first is a high-yield checking account called Go Green Rewards Checking . I first reported on this account in 2008. The rate has fallen, but it's ...

3.00% 5-Year CD & IRA CD At RCB Bank In OK & KS - Local Only (Forum) - 10/13/2010

RCB Bank is still listing a 3.00% APY 5-year CD and IRA CD as of 10/13/2010. Minimum deposit is $1,000. I first posted on this CD in this August blog post. The bank also offers a 4.10% APY $25K reward checking account.

2010

9/7 - 3.00% 5-Year CD At RCB Bank In OK & KS (Forum)
8/9 - Top Reward Checking and 5-Year CD Rates at RCB Bank in KS & OK - Local Only

2008

5/6 - 4.10% Reward Checking Account at an Oklahoma Bank (RCB)

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See Rates for: Checking | Savings | CD | IRA

RCB Bank Checking Account Rates

	Apy	Min	Max	Product
	2.01%	-	$15k	my Interest Checking

RCB Bank Savings Account Rates

Apy	Min	Max	Product
0.10%	-	-	Regular Savings
0.10%	-	-	Kids Savings

RCB Bank CD Rates

Apy	Min	Max	Product
1.35%	$1k	-	60 Month Fixed CD
1.20%	$1k	-	48 Month Fixed CD
0.95%	$1k	-	36 Month Fixed CD
0.70%	$1k	-	25 Month Pop-Up CD
0.50%	$1k	-	12 Month CD
0.35%	$1k	-	182 Day CD
0.34%	$1k	-	18 Month Variable CD

RCB Bank IRA Rates

Apy	Min	Max	Product
1.35%	$250	-	60 Month Fixed IRA
1.35%	$250	-	60 Month Fixed Roth IRA
1.35%	$250	-	60 Month Fixed Education IRA
1.20%	$1k	-	48 Month Fixed IRA
1.20%	$1k	-	48 Month Fixed Roth IRA
1.20%	$1k	-	48 Month Fixed Education IRA
0.95%	$250	-	36 Month Fixed IRA
0.95%	$250	-	36 Month Fixed Roth IRA
0.95%	$250	-	36 Month Fixed Education IRA
0.70%	$1k	-	25 Month Pop-Up IRA
0.70%	$250	-	25 Month Pop-Up Roth IRA
0.70%	$250	-	25 Month Pop-Up Education IRA
0.50%	$250	-	12 Month Fixed IRA
0.50%	$250	-	12 Month Fixed Roth IRA
0.50%	$250	-	12 Month Fixed Education IRA
0.34%	$1k	-	18 Month Variable IRA
0.34%	$250	-	18 Month Variable Roth IRA
0.34%	$250	-	18 Month Variable Education IRA

Rates updated: 5/21/2013

Data for Q4 2012

Institution Statistics

RCB Bank
FDIC Certificate #	15399
BankRate Report	View
Year Established	1936
Employees	557
Primary Regulator	FED
Assets and Liabilities
Assets	$2.11 billion
Loans	$904.29 million
Deposits	$1.81 billion
Equity Capital	$214.82 million
Loan Loss Allowance	$15.48 million
Unbacked Noncurrent Loans	$7.72 million
Real Estate Owned	$4.38 million
Historic Data - December 2011
Assets	$2.00 billion
Equity Capital	$209.04 million
Loan Loss Allowance	$14.58 million
Unbacked Noncurrent Loans	$5.64 million
Real Estate Owned	$10.32 million
Profit Margin - Quarterly
Net Interest Margin	3.27%
Return on Assets	1.38%
Return on Equity	13.25%
Interest Income	$74.00 million

Institution Health

Overall Score:

5 out of 5

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, 2012 RCB Bank had $12.1 million in non-current loans and owned real-estate with $230.3 million in equity and loan loss allowances on hand to cover it. This gives RCB Bank a Texas Ratio of 5.25% 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 slightly from 7.14% as of December 31, 2011 to 5.25% as of December 31, 2012, resulting in a positive change of 26.40%.This indicates that the balance sheet and financial strength for RCB Bank has improved slightly in recent periods.
Deposit Growth
In the past year, RCB Bank has increased its total deposits by $107.46 million, resulting in 6.33% 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 excellent.
Capitalization
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 $2.11 billion in assets with $230.3 million in equity, resulting in a capitalization level of 10.89%, which is above average.

Over Charging Customer On Stop Payments
1 stars

- mathmc - Friday, June 22, 2012 - 9:38 PM

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.