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Overview / Commentary
418 South Main
New London, MO 63459

RCSBank is headquartered in New London and is the 262nd largest bank in the state of Missouri. It is also the 5,779th largest bank in the nation. It was established in 1944 and as of June of 2014, it had grown to 18 employees at 3 locations. RCSBank has a B health rating.

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Data for Q2 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. RCSBank has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 RCSBank had $429,000 in non-current loans and owned real-estate with $5.69 million in equity and loan loss allowances on hand to cover it. This gives RCSBank a Texas Ratio of 7.54% 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 RCSBank experienced no significant changes from 7.12% as of June 30, 2013 to 7.54% as of June 30, 2014, resulting in a negative change of 5.82%. This indicates that the balance sheet and financial strength for RCSBank has had no significant changes in recent periods.

Deposit Growth


In the past year, RCSBank has decreased its total deposits by -$1.13 million, resulting in -2.23% 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 RCSBank has shown is 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. RCSBank has $55.25 million in assets with $5.69 million in equity, resulting in a capitalization level of 10.30%, which is above average.

Institution Statistics

FDIC Certificate #16170
Year Established1944
Primary RegulatorFDIC
Assets and Liabilities
Assets$55.25 million
Loans$33.98 million
Deposits$49.67 million
Equity Capital$5.42 million
Loan Loss Allowance$276,000
Unbacked Noncurrent Loans$115,000
Real Estate Owned$314,000
Historic Data - June 2013
Assets$56.32 million
Equity Capital$5.37 million
Loan Loss Allowance$286,000
Unbacked Noncurrent Loans$115,000
Real Estate Owned$330,000
Profit Margin - Quarterly
Return on Assets0.16%
Return on Equity1.75%
Interest Income$938,000
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RCSBank CD Rates

1.00%$1k-60 Month CD
0.65%$1k-36 Month CD
0.65%$1k-48 Month CD
0.45%$1k-30 Month CD
0.30%$1k-24 Month CD
0.25%$1k-18 Month CD
0.15%$1k-182 Day CD
0.15%$1k-12 Month CD
0.15%$1k-15 Month CD
0.05%$2,500-91 Day CD

RCSBank IRA Rates

1.00%$500-60 Month IRA
0.65%$500-36 Month IRA
0.65%$500-48 Month IRA
0.45%$500-30 Month IRA
0.30%$500-24 Month IRA
0.25%$500-18 Month IRA
0.15%$500-12 Month IRA
0.15%$500-15 Month IRA

RCSBank Locations
Center Facility115 South PublicCenter, MO 63436
Hannibal Branch Office390 North Veterans RoadHannibal, MO 63401
Rcsbank418 South MainNew London, MO 63459