BlastPoint's Banking Scorecard
RCB Bank
Claremore, OK
62 branches across OK · KS
RCB Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 23.29% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.10% below tier average
- - Efficiency Ratio 4.19% above tier average
- - Delinquency Rate 0.41% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.1B
+4.5% YoY
+0.4% QoQ
|
+$1.3B |
$2.8B
-0.1% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
81% |
| Total Loans ? |
$2.2B
-2.9% YoY
-2.1% QoQ
|
+$214.2M |
$2.0B
+0.6% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
71% |
| Total Deposits ? |
$3.6B
+4.1% YoY
+0.3% QoQ
|
+$1.2B |
$2.3B
-0.3% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
82% |
| Return on Assets ? |
1.40%
+12.7% YoY
+6.0% QoQ
|
+0.04% |
1.37%
+19.6% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
64% |
| Net Interest Margin ? |
3.72%
+6.3% YoY
+2.7% QoQ
|
-0.10% |
3.82%
+6.9% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
54% |
| Efficiency Ratio ? |
65.25%
-3.1% YoY
-1.6% QoQ
|
+4.19% |
61.06%
-4.6% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
33% |
| Delinquency Rate ? |
1.29%
+90.5% YoY
+10.4% QoQ
|
+0.41% |
0.89%
+14.1% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
60.91%
-6.8% YoY
-2.4% QoQ
|
-23.29% |
84.20%
+0.3% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Top 8.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.11%
-0.7% YoY
+4.4% QoQ
|
+5.82% |
21.29%
-2.5% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.71%
+78.0% YoY
+7.5% QoQ
|
+0.04% |
0.67%
+15.6% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
30% |
| Tier 1 Capital Ratio ? |
16.35%
+7.2% YoY
+4.1% QoQ
|
+1.19% |
15.16%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.17%
-1.4% YoY
-75.2% QoQ
|
-0.09% |
0.26%
+1.6% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
60% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.