RCB Bank

Overview / Commentary
300 W. Patti Page Blvd.
Claremore, OK 74017

RCB Bank is headquartered in CLAREMORE and is the 6th largest bank in the state of Oklahoma. It is also the 324th largest bank in the nation. It was established in 1936 and as of December of 2023, it had grown to 766 employees at 62 locations. RCB Bank's CD rates are 5X the national average, and it has a B+ health rating.

Reviews (5)

Love This Bank

Posted by: |

RCB Bank has been my bank for several years now. This bank has some great pros and a few cons. One of the pros is that if you accidentally run your account into the red, you have until the beginning of the following business day to deposit the money to right it before being charged all the associated fees. I can't tell you how many times I've avoided paying $28 over a $0.10 mistake because of this. Another pro is their many local branches. I live in a small rural area. Most banks in this area have one or two branches in the county. This bank has two branches in my town, and several in the surrounding towns.

The cons for this bank is that it because the branches are small, sometimes the local branch can't meet your needs. For instance, at one time my husband and I applied for a mortgage through them. While they advertise for mortgages, they actually send the application elsewhere. Unlike my previous bank, the loan manager wasn't someone I knew. Also the interest rate on savings accounts isn't the best in town.

RCB Bank Review

Posted by: |

My experience with RCB Bank was pleasant, but I was satisfied enough to continue banking with them. The employees are very friendly, so it seems as though they provide good customer service, however, they do not tend to go above and beyond to assist with personal issues for everyday customers. I had previously has problems with my debit card and needed it to make important purchases as soon as possible, but to change my PIN number I had to wait for a letter in the mail that would be expected to arrive almost a week and a half later. With most of the other financial institutions I have banked with, I am able to resolve any issues with my card within the branch. It seems as though RCB Bank is technologically behind since it is such a small local bank.

Barrel Of Snakes

Posted by: |

I've done business with the same bank for 51 years and my parents for 30 years before I opened my first account there. It was recently bought out by RCB. The hometown service and policies I've been accustomed to all just went out the window now that the mafia has acquired the bank. This is not a bank, it is a crime syndicate. Their charges are ridiculous and they charge for everything. No more local customer service, everything has to be done online or through their main branch. They are rude, inept and unhelpful. Transaction fees end up costing me more money on my savings account than it earns. I hate this sorry bank and I'm moving all my accounts somewhere else. 51 years and RCB trashed it like low income housing in 6 weeks.

Impersonal, Negative Experience,

Posted by: |

I have good credit, a good job, and over $60,000 in savings. I applied for a simple account, and just received a denial letter stating that the bank does not wish to pursue a relationship with me. Are you kidding me? They apparently rely on a credit reporting agency, Chex, and I guess if Chex doesn't give you a high enough "wealth" score, then RCB doesn't want you darkening their doorway. This was an extremely impersonal, and negative experience. I've never been turned down from opening a bank account in my life. Just as much as RCB wants nothing to do with me, I want nothing to do with them. Bank somewhere else.

Over Charging Customer On Stop Payments

Posted by: |

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.


Health Grade Components

FDIC Certificate #15399
Year Established1936
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.17%
Return on Equity - YTD13.44%
Annual Interest Income$148MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$3.95B$3.78B
LoansQ4 2023vs Q4 2022$2.27B$2.25B
DepositsQ4 2023vs Q4 2022$3.28B$3.44B
Equity CapitalQ4 2023vs Q4 2022$376MM$309.6MM
Loan Loss AllowanceQ4 2023vs Q4 2022$26.2MM$26.5MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$16.7MM$14.5MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not RCB Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

RCB Bank Savings Account Rates

0.50%$100-Regular Savings
0.50%$100-Kids Savings

RCB Bank Money Market Rates

1.25%*$100k*-my Money Market
OTHER TIERS: 0.10% $2.5k - $50k | 0.40% $50k - $100k

RCB Bank Checking Account Rates

2.50%*-$20kMy Advantage Checking
OTHER TIERS: 0.01% $20k+

RCB Bank CD Rates

4.75%$1k-182 Day CD
4.60%$1k-12 Month CD
4.25%$1k-91 Day CD
3.25%$1k-48 Month CD
3.25%$1k-24 Month CD
3.00%$1k-36 Month CD
2.75%$1k-60 Month CD
2.50%$1k-25 Month Pop-Up CD
2.50%$1k-18 Month CD
2.40%$1k-18 Month Variable CD
0.10%$1k-30 Day CD

RCB Bank IRA Rates

4.60%$250-12 Month IRA
3.25%$250-48 Month IRA
3.25%$250-24 Month IRA
3.00%$250-36 Month IRA
2.75%$250-60 Month IRA
2.50%$250-18 Month IRA
2.50%$250-25 Month Pop-Up IRA
2.40%$250-18 Month Variable IRA


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