BlastPoint's Banking Scorecard

RCB Bank

Community Specialty: Other OK FDIC cert 15399

Claremore, OK

1484 banks in Community tier nationally 45 in OK

View Community leaderboard (OK) →

RCB Bank shows stable performance across key metrics

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$4.1B +4.9% YoY +4.3% QoQ	+$2.7B	$1.4B +2.0% YoY	$1.2B +6.0% YoY	$5.9B +6.5% YoY	Top 3% in tier
Total Loans ?	$2.2B -0.8% YoY -1.8% QoQ	+$1.2B	$975.5M +2.4% YoY	$796.2M +5.4% YoY	$3.1B +8.5% YoY	Top 8% in tier
Total Deposits ?	$3.6B +3.7% YoY +4.6% QoQ	+$2.4B	$1.2B +1.7% YoY	$938.6M +4.7% YoY	$4.7B +6.3% YoY	Top 2% in tier
Return on Assets ?	1.32% +21.0% YoY +1.3% QoQ	+0.16%	1.16% +17.2% YoY	1.36% +10.0% YoY	1.12% +15.6% YoY	64%
Net Interest Margin ?	3.62% +14.1% YoY +0.6% QoQ	-0.04%	3.66% +9.1% YoY	4.26% +3.2% YoY	3.75% +7.1% YoY	48%
Efficiency Ratio ?	66.31% -2.9% YoY -0.3% QoQ	+3.68%	62.63% -5.3% YoY	63.62% -4.9% YoY	65.09% -5.1% YoY	37%
Delinquency Rate ?	1.17% +159.5% YoY +89.0% QoQ	+0.54%	0.63% +18.3% YoY	0.95% +12.2% YoY	0.66% +20.3% YoY	22%
Loan-to-Deposit Ratio ?	62.41% -4.4% YoY -6.1% QoQ	-20.65%	83.06% +0.3% YoY	75.78% +1.6% YoY	78.04% +0.7% YoY	Top 11% in tier
Non-Interest-Bearing Deposit Share ?	25.96% -5.2% YoY -6.2% QoQ	+4.91%	21.05% -0.9% YoY	23.21% -2.4% YoY	21.79% -1.3% YoY	73%
Nonperforming Asset Ratio ?	0.66% +144.6% YoY +77.2% QoQ	+0.16%	0.50% +20.3% YoY	0.71% +9.7% YoY	0.48% +20.8% YoY	31%
Tier 1 Capital Ratio ?	15.71% +4.5% YoY +3.7% QoQ	+5.46%	10.24% -0.6% YoY	7.74% -5.6% YoY	9.75% -1.9% YoY	81%
Non-Interest Income / Assets ?	0.68% -11.3% YoY +29.2% QoQ	-0.06%	0.74% -1.3% YoY	0.68% -3.1% YoY	0.65% +0.6% YoY	68%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Total Deposits

Current: $3.6B · Tier avg: $1.2B

98th pctile

Total Assets

Current: $4.1B · Tier avg: $1.4B

97th pctile

Total Loans

Current: $2.2B · Tier avg: $975.5M

92th pctile

Loan-to-Deposit Ratio

Current: 62.41% · Tier avg: 83.06%

89th pctile

Tier 1 Capital Ratio

Current: 15.71% · Tier avg: 10.24%

81th pctile

Non-Interest-Bearing Deposit Share

Current: 25.96% · Tier avg: 21.05%

73th pctile

Non-Interest Income / Assets

Current: 0.68% · Tier avg: 0.74%

68th pctile

Return on Assets

Current: 1.32% · Tier avg: 1.16%

64th pctile

Net Interest Margin

Current: 3.62% · Tier avg: 3.66%

48th pctile

Efficiency Ratio

Current: 66.31% · Tier avg: 62.63%

37th pctile

Nonperforming Asset Ratio

Current: 0.66% · Tier avg: 0.50%

31th pctile

Delinquency Rate

Current: 1.17% · Tier avg: 0.63%

22th pctile

Top Weaknesses