RCB Bank: how it compares with its peers
Against 422 U.S. banks with half to twice its assets, RCB Bank's strongest measure in Q2 2026 is return on assets (1.47% vs. a 1.28% peer median). Its weakest relative measure is assets per employee ($5.4M vs. $9.3M).
| Measure | RCB Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.47% | 1.28% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.82% | 3.67% | Middle third Ahead of 58% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.33% | 57.72% | Bottom third Ahead of 27% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $9.3M | Bottom third Ahead of 6% of peers |
| Loans to deposits Net loans and leases over total deposits. | 64.90% | 88.88% | Context |
What it means for lending operations
Its efficiency ratio of 64.33% is above the 57.72% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Vallant Bank Elberton, GA · $3.99B
- Commercial Bank of California Irvine, CA · $3.98B
- Central Bank & Trust Co. Lexington, KY · $4.01B
- River Bank & Trust Prattville, AL · $4.02B
- Union Savings Bank Cincinnati, OH · $4.02B
- California Bank of Commerce, National Association San Diego, CA · $4.02B
Questions about RCB Bank
How big is RCB Bank?
RCB Bank, established in 1936, is headquartered in Claremore, OK. It reported $3.98B in total assets in its Q2 2026 FDIC call report and operates 62 offices.
What is RCB Bank's return on assets?
1.47% annualized in Q2 2026, against a 1.28% median for 422 U.S. banks with half to twice its assets, ahead of 67% of them.
What is RCB Bank's efficiency ratio?
64.33% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 57.72%, and lower is better.
Is RCB Bank growing its loans?
Net loans shrank 0.9% over the year to Q2 2026, while deposits shrank 0.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.