# RCB BANK
CLAREMORE, OK · FDIC certificate 15399 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.98B | |
| Deposits | $3.49B | |
| Loans and leases | $2.29B | |
| Total equity | $473.4M | |
| Loans / deposits | 64.90% (p11 of band) | 87.10% |
| Liquid assets / assets | 37.27% (p87 of band) | |
| Uninsured deposits / deposits | 21.91% (p22 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.70% (p54 of band) | 10.50% |
| Unrealized securities loss / equity | -6.45% (p56 of band) | -7.75% |
| AOCI / equity | -2.76% (p2 of band) | |
| ROA (annualized) | 1.47% (p68 of band) | 1.26% |
| Net interest margin | 3.82% (p57 of band) | 3.70% |
| Efficiency ratio | 64.33% (p67 of band) | |
| Noncurrent loans | 0.94% (p72 of band) | 0.51% |
| Net charge-offs (annualized) | 0.06% (p66 of band) | |
| Reserve coverage of noncurrent | 114.85% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 35.04% (p36 of band) | |
| Auto loans | $82.6M (3.61% of loans; DQ 0.24%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -0.5% | |
| Employees | 736 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 0 |  | leverage <7%, reserve under noncurrent |
| 2011-09 | 1 | leverage <7% |  |
| 2011-12 | 0 |  | leverage <7% |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | reserve under noncurrent |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 2 | noncurrent p90 |  |
| 2022-03 | 2 | capital falling, NIM <2.5% | reserve under noncurrent, noncurrent p90 |
| 2022-06 | 1 | AOCI drag >20% of equity | capital falling, NIM <2.5% |
| 2022-09 | 1 |  |  |
| 2022-12 | 3 | deposits shrinking, assets shrinking |  |
| 2023-03 | 3 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 2 |  |  |
| 2023-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | assets shrinking |  |
| 2025-12 | 1 | reserve under noncurrent | assets shrinking |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-13 [RCB Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE95UkNSUkg0WjBjQkdnRnNmdDVHSTJ2SFI3M0phbzQ4S3BVdV9FY2tEck5FWXFvTEJfTV9KNXBtM1NwTEFFbXQ4UUprRU1rdXg4TkFzaGNLZm9ldkFRU2JTZVlIVGNLNzA?oc=5) · reveliolabs.com
- 2026-04-19 [Your next adventure starts here… with RCB Bank’s annual Consumer Loan Promotion - Sumner NewsCow](https://news.google.com/rss/articles/CBMirAFBVV95cUxPMU0xYVBxUUpDOVZEVEhjWHAzbXQyZlBBZmx3WEROVFZWdGNVS2RUODVYaE5TSjl2Q3A1WXJWbnRDSzBibzlGbXl5eThfWllpZ0JpSDlXOEdPUEE0aHlHdTlTZ0szYWFyQ2YtQ1J5OWRlTnpydXpoNUQ5MEMzUkNmN2NORDZYcThXQ1dLSWxQY0RvT05NdlJrQVk0Zk04YVpucjRVeWNfLUJwUjNI?oc=5) · Sumner NewsCow
- 2026-01-05 [RCB Bank Review: Local Banking for Your Personal and Professional Needs - GOBankingRates](https://news.google.com/rss/articles/CBMickFVX3lxTFBwNTFJYjFuWGYwaEJxRGVqbE5iVWxiUU9RYm9ZUU9QZHMxQS1TS3d5RFFTTTZxdkJlbndsd3I3TUNLcWdSdWJTZU9zcmlMSUJBNkpRZWdoX1VCSlJxek1uNERUd1MzY0hPbU5pYUxEZy1qZw?oc=5) · GOBankingRates
- 2025-07-06 [RCB Bank promotes Ray Simmons as CFO - Broken Arrow Sentinel](https://news.google.com/rss/articles/CBMibEFVX3lxTE82NHJnY1hGT2hFVlFkaEZHVndkV1YzYkJHSDVHVzFhck80MVVuWS1CYTFDVkJ1LXdHSXl0eEJabmtaT2xDb2Y5STVReVBZVEhBbEdvYk14aEo1MF82dG5JUkZjT1pBbkk5bGRfMA?oc=5) · Broken Arrow Sentinel
- 2013-04-01 [Robbery of RCB Bank Branch in Blackwell - fbi.gov](https://news.google.com/rss/articles/CBMilwFBVV95cUxOcEYtQ2dfaGpSck4xZzhpQTlOTVlfSnBTWUJSbWNxYzloSmNuN2JHV3dHOVFrQ095XzIyUG5QMWJLYy1yY1k4enVOOFQ2N3IwbjRwUUVUb1JxemgxZzhKM1dSaU05bHNTMjJYWTRyT0V0WndJbmpyakttVjVPeVBWSWtQaW1ZMjFkMllnV0RGQkNuc2FiVGxR?oc=5) · fbi.gov
- 2019-02-13 [RCB close to completing bank merger - journalrecord.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE02NUxpRy1udm1mdWdxNDdWbGhJRm9HS0NCRTZwNXQ3ZEtNSVNQX005OW1jVTlHajA0Qm5kQ1ZlVUdNeTZkMGdVZTRYdklDalllT0hNR3BpUFdMN3pNaGxSOUdTUFp1Smk2SlJfNXNOSzVXZjFoQmlHTXcxLTdSUQ?oc=5) · journalrecord.com
- 2023-07-19 [RCB Bank vs Sassan Moghadam weighs speedy foreclosure - Norman Transcript](https://news.google.com/rss/articles/CBMi2AFBVV95cUxObEh4RWk2Wk1mQThyemt6cTg4d2lBeTMtcWhiWVpzU29EbVFUd1BPNHBLZ19WQkZfeU03SzJtRWlVc0FvNmZkSWFGMkR1SzBackktd1JpU3ZCYjVYcTZ0dGFodnFIRGgtbjZpd2ZsS2cxV2lPNTlQdkFvNHNVdnVUaF9McUxsMUVrdWVFeGdrODRzNlVDVWNtdXktQ3BaOGhoM3pDOWRrczcyb0NFem1Eai0xTE5DZGljSXAwbWtvbHhZOHZfbnMtbUxmNV9PTWx5TUtKUE85UkQ?oc=5) · Norman Transcript
- 2025-07-17 [Armstrong Bank makes NWA leadership changes, opens Rogers loan office - Talk Business & Politics](https://news.google.com/rss/articles/CBMipAFBVV95cUxQNTBDcHN1bFdYNVo5N0ozOUlDMjFCV0dZaU1vamFJejVMNGlrbks3Nzlla01haGt2MXhpWTZQNFNIV0Jsb2k3RHRZUnhCbEpSeVpDejlGSkVCSjM5eW1IZThaNUJlX2ZUN1F0UjNtYnlhd2xPVTZkV2FyN2ZVS3Bvb1l2akllbG0tWURxTVFpMUFhOVE2ZUpBV3FOZnBob0JVQnZoTg?oc=5) · Talk Business &amp; Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15399 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/39.json (key "15399", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide