BlastPoint's Banking Scorecard
RCB Bank
Claremore, OK
62 branches across OK · KS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in OK.
- Deposits -0.5% year over year ($3.5B on the books).
- Delinquency rate 0.95%.
- Return on assets 1.47%.
- Efficiency ratio 64.33% vs a 59.73% peer average.
- Loan-to-deposit ratio 64.90% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
RCB Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.08% above tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.05% below tier average
- - Efficiency Ratio 4.60% above tier average
- - Delinquency Rate 0.09% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.0B
+0.3% YoY
-2.2% QoQ
|
+$1.2B |
$2.8B
-0.6% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
80% |
| Total Loans ? |
$2.3B
-0.9% YoY
+3.8% QoQ
|
+$298.6M |
$2.0B
-0.3% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
73% |
| Total Deposits ? |
$3.5B
-0.5% YoY
-2.6% QoQ
|
+$1.2B |
$2.3B
-0.5% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
82% |
| Return on Assets ? |
1.47%
+17.5% YoY
+5.0% QoQ
|
+0.08% |
1.39%
+17.0% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
68% |
| Net Interest Margin ? |
3.82%
+7.7% YoY
+2.7% QoQ
|
-0.05% |
3.87%
+6.2% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
56% |
| Efficiency Ratio ? |
64.33%
-4.4% YoY
-1.4% QoQ
|
+4.60% |
59.73%
-12.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
33% |
| Delinquency Rate ? |
0.95%
+42.3% YoY
-26.4% QoQ
|
+0.09% |
0.87%
+11.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
64.90%
-0.5% YoY
+6.5% QoQ
|
-20.14% |
85.04%
-0.1% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
Top 10.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.35%
+2.5% YoY
+0.9% QoQ
|
+6.08% |
21.27%
-1.5% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.55%
+39.7% YoY
-22.3% QoQ
|
-0.12% |
0.67%
+11.7% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
16.30%
+5.8% YoY
-0.3% QoQ
|
+1.46% |
14.84%
-0.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.34%
+3.6% YoY
+103.5% QoQ
|
-0.18% |
0.53%
+2.5% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
60% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
27.4%
+0.7pp YoY +0.2pp QoQ |
+6.0pp | 21.4% | 23.9% | 22.2% | 78% |
| Brokered Deposits | n/a | n/a | 9.5% | 9.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.5%
-0.1pp YoY -0.2pp QoQ |
-9.5pp | 14.0% | 15.7% | 12.5% | 16% |
| CRE |
32.3%
-1.4pp YoY -0.7pp QoQ |
-17.7pp | 50.0% | 42.0% | 41.4% | 13% |
| 1-4 Family |
20.4%
+0.1pp YoY -0.6pp QoQ |
-6.0pp | 26.4% | 24.0% | 31.3% | 43% |
| Consumer |
8.1%
-0.2pp YoY +0.4pp QoQ |
+3.4pp | 4.7% | 5.6% | 5.0% | 87% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.3%
+0.9pp YoY -0.1pp QoQ |
+0.7pp | 15.6% | 17.0% | 19.7% | 79% |
| Leverage Ratio |
10.7%
+0.3pp YoY +0.2pp QoQ |
-0.6pp | 11.3% | 11.7% | 12.6% | 54% |
| Total Capital Ratio |
17.2%
+0.8pp YoY -0.1pp QoQ |
+0.6pp | 16.7% | 18.2% | 20.8% | 79% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
736
-17 (-2.3%) YoY -5 (-0.7%) QoQ |
+422 | 313 | 150 | 482 | 93% |
| Assets per Employee ($) |
$5.4M
+2.6% YoY -1.5% QoQ |
-$5.1M | $10.5M | $6.5M | $8.8M | 7% |
| Branch Count |
62
0 YoY 0 QoQ |
+42 | 20 | 8 | 18 | 96% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.9% | 0.4% | n/a |
| Nonaccrual |
1.0%
+0.3pp YoY -0.3pp QoQ |
+0.1pp | 0.8% | 1.5% | 1.0% | 72% |
| Allowance Coverage |
1.15x
-33.0% YoY +26.9% QoQ |
-17.56x | 18.71x | 61.99x | 20.23x | 29% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.2% | 0.2% | 69% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.7%
+1.1pp YoY +0.5pp QoQ |
+0.1pp | 12.6% | 11.9% | 11.6% | 53% |
| Cost of Funds (YTD) |
1.0%
-0.2pp YoY 0.0pp QoQ |
-1.0pp | 1.9% | 1.8% | 1.7% | 5% |
| Net Income ($, YTD) |
$29.7M
+21.2% YoY — QoQ |
+$10.5M | $19.2M | $8.7M | $40.4M | 82% |
Get Full Access to RCB Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.