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Overview / Commentary
418 South Main
New London, MO 63459

RCSBank is headquartered in New London and is the 256th largest bank in the state of Missouri. It is also the 5,781st largest bank in the nation. It was established in 1944 and as of March of 2014, it had grown to 17 employees at 3 locations. RCSBank has a B health rating.

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Data for Q1 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 March 31, 2014 RCSBank had $340,000 in non-current loans and owned real-estate with $5.65 million in equity and loan loss allowances on hand to cover it. This gives RCSBank a Texas Ratio of 6.02% 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 decreased dramatically from 10.21% as of March 31, 2013 to 6.02% as of March 31, 2014, resulting in a positive change of 41.04%.This indicates that the balance sheet and financial strength for RCSBank has improved dramatically in recent periods.

Deposit Growth


In the past year, RCSBank has decreased its total deposits by -$2.01 million, resulting in -3.75% 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 below 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 $57.11 million in assets with $5.65 million in equity, resulting in a capitalization level of 9.89%, which is above average.

Institution Statistics

FDIC Certificate #16170
Year Established1944
Primary RegulatorFDIC
Assets and Liabilities
Assets$57.11 million
Loans$33.66 million
Deposits$51.58 million
Equity Capital$5.37 million
Loan Loss Allowance$281,000
Unbacked Noncurrent Loans$26,000
Real Estate Owned$314,000
Historic Data - March 2013
Assets$59.14 million
Equity Capital$5.43 million
Loan Loss Allowance$294,000
Unbacked Noncurrent Loans$26,000
Real Estate Owned$377,000
Profit Margin - Quarterly
Net Interest Margin3.45%
Return on Assets0.07%
Return on Equity0.75%
Interest Income$466,000
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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