Rcb Bank Mortgage Rates, Fees & Info

Claremore, OK

LEI: 2549007W5PWUV8XG3V90

Tax ID: 73-0427310

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Rcb Bank is a smaller bank specializing in Home Purchase loans. Rcb Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Tulsa, Oklahoma City, Wichita, Ponca City, and Stillwater among others. We have data for 24 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Rcb Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Rcb Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 7.46% 5/4/24
    30 Year Conventional Purchase 6.81% 5/4/24
    30 Year Conventional Refi 6.76% 5/4/24
    30 Year Cash-out Refi 7.07% 5/4/24
    30 Year FHA Purchase 7.67% 5/4/24
    30 Year FHA Refi 6.27% 5/4/24
    30 Year VA Purchase 6.65% 5/4/24
    30 Year USDA Purchase 7.33% 5/4/24
    15 Year Conventional Purchase 6.51% 5/4/24
    15 Year Conventional Refi 6.53% 5/4/24
    15 Year Cash-out Refi 6.53% 5/4/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Rcb Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Rcb Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    950

    Origination Dollar Volume (All Markets)

    $160,570,000

    Employee count

    705 Show all (9) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    TULSA, OK (FHA|USDA|VA) 314 $52,870,000 $168,376 $3,728 4.95%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 245 $50,315,000 $205,367 $4,162 4.93%
    WICHITA, KS (FHA|USDA|VA) 58 $15,450,000 $266,379 $2,907 5.31%
    Outside of Metro Areas 67 $10,305,000 $153,806 $3,628 4.86%
    Ponca City, OK (FHA|USDA|VA) 101 $9,215,000 $91,238 $3,354 5.05%
    Stillwater, OK (FHA|USDA|VA) 53 $8,555,000 $161,415 $3,787 5.11%
    Winfield, KS (FHA|USDA|VA) 59 $5,245,000 $88,898 $2,657 5.07%
    Bartlesville, OK (FHA|USDA|VA) 20 $3,100,000 $155,000 $3,074 5.27%
    Hutchinson, KS (FHA|USDA|VA) 7 $1,015,000 $145,000 $2,883 5.48%
    FORT SMITH, AR-OK (FHA|USDA|VA) 3 $995,000 $331,667 $0 5.21%
    Tahlequah, OK (FHA|USDA|VA) 5 $845,000 $169,000 $4,625 5.18%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $380,000 $190,000 $8,892 5.11%
    ENID, OK (FHA|USDA|VA) 1 $325,000 $325,000 $0 4.75%
    Durango, CO (FHA|USDA|VA) 1 $315,000 $315,000 $1,836 4.63%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $300,000 $150,000 $1,877 5.15%
    Woodward, OK (FHA|USDA|VA) 2 $220,000 $110,000 $4,202 4.38%
    Branson, MO (FHA|USDA|VA) 1 $205,000 $205,000 $2,476 4.88%
    LINCOLN, NE (FHA|USDA|VA) 1 $205,000 $205,000 $2,190 4.88%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $190,000 $95,000 $2,171 5.41%
    Shawnee, OK (FHA|USDA|VA) 1 $145,000 $145,000 $0 5.76%
    Miami, OK (FHA|USDA|VA) 2 $130,000 $65,000 $2,512 4.69%
    LAWRENCE, KS (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.95%
    TOPEKA, KS (FHA|USDA|VA) 1 $85,000 $85,000 $1,801 4.63%
    Muskogee, OK (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.25%
    Rcb Bank's top markets include Tulsa, Oklahoma City, Wichita, Ponca City, and Stillwater among others.

    Their top states include:
  • Oklahoma (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against RCB Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Tulsa Federal Credit Union
    Similarity Rank: 42
    The Halstead Bank
    Similarity Rank: 64
    RED CROWN
    Similarity Rank: 66
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 68
    Municipal Employees Credit Union of Oklahoma City
    Similarity Rank: 89
    KCB Bank
    Similarity Rank: 108
    WEOKIE
    Similarity Rank: 120
    MID AMERICAN
    Similarity Rank: 128
    WHITE EAGLE Credit Union
    Similarity Rank: 130
    SKYWARD
    Similarity Rank: 132

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 781 $135,985,000 $174,117 $3,150 5.11%
    FHA 112 $15,470,000 $138,125 $5,274 4.50%
    VA 38 $7,150,000 $188,158 $5,851 4.46%
    USDA 19 $1,965,000 $103,421 $3,824 4.58%

    For 2018, Rcb Bank's most frequently originated type of loan was Conventional, with 781 originations. Their 2nd most popular type was FHA, with 112 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 721 $117,345,000 $162,753 $3,904 4.96%
    Refi 92 $24,600,000 $267,391 $2,651 5.43%
    Cash Out Refi 87 $13,915,000 $159,943 $3,219 4.72%
    Other 27 $2,385,000 $88,333 $2,354 5.22%
    Home Improvement 23 $2,325,000 $101,087 $2,316 5.38%

    For 2018, Rcb Bank's most frequently cited loan purpose was Home Purchase, with 721 originations. The 2nd most popular reason was Refi, with 92 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 557 $92,705,000 $166,436 $3,990 4.77%
    20 Year 129 $28,265,000 $219,109 $2,883 5.36%
    15 Year 119 $16,785,000 $141,050 $3,039 5.08%
    Other 60 $11,000,000 $183,333 $1,650 5.73%
    10 Year 41 $3,415,000 $83,293 $1,586 5.42%
    1 Year 27 $4,675,000 $173,148 $3,104 5.64%
    5 Year 15 $3,305,000 $220,333 $1,074 4.67%
    3 Year 2 $420,000 $210,000 $0 5.16%

    For 2018, Rcb Bank's most frequently cited loan duration was 30 Year, with 557 originations. The 2nd most popular length was 20 Year, with 129 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 573 $88,565,000 $154,564
    $1k-2k 73 $11,285,000 $154,589
    $2k-3k 17 $4,295,000 $252,647
    $5k+ 4 $1,790,000 $447,500
    $3k-4k 3 $905,000 $301,667
    $4k-5k 1 $315,000 $315,000

    Rcb Bank's average total fees were $3,990, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 573 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 502 $93,620,000 $186,494
    5-6% 342 $51,420,000 $150,351
    3-4% 60 $11,380,000 $189,667
    6-7% 44 $4,070,000 $92,500
    7-8% 2 $80,000 $40,000

    During 2018, Rcb Bank's average interest rate for loans was 4.77%, while their most frequently originated rate bucket for loans was 4-5%, with 502 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 353 $22,955,000 $65,028 $2,685 5.27%
    $100k-200k 352 $50,270,000 $142,813 $3,749 4.87%
    $200k-400k 202 $52,810,000 $261,436 $4,618 4.75%
    $400k-600k 29 $13,345,000 $460,172 $5,046 4.98%
    $1MM+ 8 $16,980,000 $2,122,500 $0 5.20%
    $600k-1MM 6 $4,210,000 $701,667 $658 5.54%

    2018 saw Rcb Bank place emphasis on $100,000 or less loans with 353 originations, totaling $22,955,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 200 $19,940,000 $99,700 $3,522 4.78%
    $50k-75k 167 $20,915,000 $125,240 $3,463 4.87%
    $75k-100k 142 $24,060,000 $169,437 $3,919 4.87%
    $100k-150k 141 $26,565,000 $188,404 $3,831 4.82%
    $150k-250k 69 $13,725,000 $198,913 $4,156 4.99%
    $250k+ 35 $9,605,000 $274,429 $3,746 4.92%

    Rcb Bank lent most frequently to those with incomes in the $50k or less range, with 200 originations. The second most popular income band? $50k-75k, with 167 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 211 $31,685,000 $150,166 $3,381 4.82%
    30-36% 143 $21,595,000 $151,014 $3,574 4.92%
    <20% 89 $11,585,000 $130,169 $3,074 4.93%
    37% 32 $4,890,000 $152,813 $3,568 4.73%
    40% 28 $4,240,000 $151,429 $3,562 4.88%
    45% 25 $4,035,000 $161,400 $3,943 4.69%
    42% 24 $3,770,000 $157,083 $3,646 4.72%
    50-60% 24 $3,760,000 $156,667 $5,587 4.75%
    41% 23 $3,585,000 $155,870 $3,918 4.83%
    38% 23 $3,475,000 $151,087 $3,899 4.89%
    39% 23 $2,895,000 $125,870 $3,148 4.89%
    >60% 22 $3,380,000 $153,636 $3,794 5.44%
    46% 22 $4,330,000 $196,818 $4,252 4.71%
    36% 19 $3,115,000 $163,947 $4,588 4.97%
    44% 15 $2,655,000 $177,000 $5,027 4.72%
    43% 15 $2,715,000 $181,000 $4,063 4.59%
    49% 14 $2,330,000 $166,429 $4,919 4.71%
    48% 11 $1,615,000 $146,818 $4,262 4.63%
    47% 10 $1,800,000 $180,000 $4,470 4.69%

    Rcb Bank lent most frequently to those with DTI ratios of 20-30%, with 211 originations. The next most common DTI ratio? 30-36%, with 143 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 686 $103,930,000 $151,501 $3,645 4.86%
    Not applicable 176 $42,910,000 $243,807 $0 5.65%
    American Indian 60 $9,190,000 $153,167 $3,881 4.79%
    Asian 15 $2,795,000 $186,333 $4,578 4.75%
    Black 5 $1,045,000 $209,000 $4,895 4.55%
    Not provided 6 $550,000 $91,667 $2,190 5.38%
    Native Hawaiian or Islander 2 $150,000 $75,000 $1,701 4.09%

    Approval Rates

    Total approvals of all applications
    89.45%

    Rcb Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    81.47%

    Rcb Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 950 $160,570,000 $169,021

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 37 $26,185,000 $707,703
    Single Family (1-4 Units):Manufactured 2 $100,000 $50,000
    Single Family (1-4 Units):Site-Built 911 $134,285,000 $147,404

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 45 $4,635,000 $103,000 $2,365 5.05%
    40-60% 109 $17,975,000 $164,908 $2,678 5.15%
    60-80% 314 $58,490,000 $186,274 $3,085 5.16%
    80-100% 459 $75,305,000 $164,063 $4,125 4.84%
    Over 100% 14 $2,650,000 $189,286 $9,918 4.96%
    Under 20% 9 $1,515,000 $168,333 $1,903 5.56%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    RCB Bank .3600 Boulevard Street Edmond, OK 73013 Full Service B&M $23,185
    RCB Bank 1001 West Rogers Skiatook, OK 74070 Full Service B&M $55,807
    RCB Bank 101 North Sumner Oxford, KS 67119 Full Service B&M $13,953
    RCB Bank 105 West Main Street Oilton, OK 74052 Full Service B&M $16,848
    RCB Bank 10501 E. Berkeley Square Pkwy Wichita, KS 67206 Full Service B&M $15,475
    RCB Bank 11 West Commercial Inola, OK 74036 Full Service B&M $54,521
    RCB Bank 111 North Eleventh Street Collinsville, OK 74021 Full Service B&M $65,834
    RCB Bank 11217 N May Ave Oklahoma City, OK 73120 Full Service B&M $9,133
    RCB Bank 11633 East 86th Street, North Owasso, OK 74055 Full Service B&M $125,062
    RCB Bank 119 S. Washington Wellington, KS 67152 Full Service B&M $9,676
    RCB Bank 1201 Wakarusa Dr. Ste B2 Lawrence, KS 66049 Full Service B&M $4,630
    RCB Bank 121 West Broadway Drumright, OK 74030 Full Service B&M $43,656
    RCB Bank 12200 E. 96th Street Owasso, OK 74055 Full Service B&M $35,607
    RCB Bank 1223 E Highland Ave Ponca City, OK 74601 Full Service B&M $200,618
    RCB Bank 125 N. Summit Street Arkansas City, KS 67005 Full Service B&M $99,411
    RCB Bank 1300 East Kenosha Broken Arrow, OK 74012 Full Service B&M $52,789
    RCB Bank 1350 West Doolin Blackwell, OK 74631 Full Service B&M $47,244
    RCB Bank 1421 Main Street Winfield, KS 67156 Full Service B&M $0
    RCB Bank 1500 S. Lynn Riggs Blvd. Claremore, OK 74017 Full Service Retail $3,266
    RCB Bank 1600 Lynn Riggs Boulevard Claremore, OK 74017 Full Service B&M $25,421
    RCB Bank 1610 Main Street Winfield, KS 67156 Full Service B&M $38,843
    RCB Bank 16461 North Pennsylvania Avenue Edmond, OK 73013 Full Service B&M $8,921
    RCB Bank 1727 N Highway 66 Catoosa, OK 74015 Full Service B&M $55,719
    RCB Bank 1905 East Ninth Winfield, KS 67156 Limited, Drive-thru $1,532
    RCB Bank 201 South Cosden Shidler, OK 74652 Full Service B&M $10,309
    RCB Bank 2019 North Summit Arkansas City, KS 67005 Limited, Drive-thru $7,246
    RCB Bank 212 North Second Street Ponca City, OK 74601 Full Service B&M $5,912
    RCB Bank 222 S.E. First Street Pryor, OK 74361 Full Service B&M $208,866
    RCB Bank 2596 West Tecumseh Road Norman, OK 73069 Full Service B&M $0
    RCB Bank 27010 East 116th Street South Coweta, OK 74429 Full Service B&M $5,640
    RCB Bank 2901 North 14th Street Ponca City, OK 74601 Full Service B&M $135,301
    RCB Bank 300 North Harrison Cushing, OK 74023 Full Service B&M $120,498
    RCB Bank 300 West Patti Page Boulevard Claremore, OK 74017 Full Service B&M $451,933
    RCB Bank 305 South Forest Douglass, KS 67039 Full Service B&M $23,154
    RCB Bank 3151 West Tecumseh Road, Suite 200 Norman, OK 73072 Full Service B&M $11,585
    RCB Bank 324 South Duck Stillwater, OK 74074 Full Service B&M $40,198
    RCB Bank 333 West Boyd Street Norman, OK 73069 Full Service B&M $92
    RCB Bank 401 South Duck Street Stillwater, OK 74074 Limited, Drive-thru $0
    RCB Bank 417 South Perkins Road Stillwater, OK 74074 Full Service B&M $39,278
    RCB Bank 4224 Se Adams Road Bartlesville, OK 74006 Full Service B&M $24,316
    RCB Bank 5000 West Kenosha Broken Arrow, OK 74012 Full Service B&M $67,637
    RCB Bank 5101 S. Mill Pryor, OK 74361 Full Service B&M $23,467
    RCB Bank 511 West Will Rogers Boulevard Claremore, OK 74017 Full Service B&M $0
    RCB Bank 601 North Summit Street Arkansas City, KS 67005 Limited, Drive-thru $0
    RCB Bank 701 N Broadway Oklahoma City, OK 73102 Full Service B&M $33,843
    RCB Bank 723 West Fourth Street Stroud, OK 74079 Full Service B&M $13,254
    RCB Bank 7400 N Western Ave Oklahoma City, OK 73116 Full Service B&M $106,292
    RCB Bank 800 Garth Brooks Blvd Yukon, OK 73099 Full Service B&M $7,944
    RCB Bank 855 West Covell Road Edmond, OK 73003 Full Service B&M $9,579
    RCB Bank 900 Main Street Winfield, KS 67156 Full Service B&M $129,783
    RCB Bank 909 W. Edmond Road Edmond, OK 73003 Full Service B&M $35,666
    RCB Bank Two Lake Road Ponca City, OK 74601 Limited, Drive-thru $0

    For 2018, Rcb Bank had 52 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $103,351
    Net interest income $89,185
    Total noninterest income $23,612
    Gross Fiduciary activities income $2,225
    Service charges on deposit accounts $8,971
    Trading account gains and fees $0
    Additional Noninterest Income $12,416
    Pre-tax net operating income $33,434
    Securities gains (or losses, -) $132
    Income before extraordinary items $33,566
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $33,566
    Minority interest net income $0
    Net income $33,566
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $33,434

    Rcb Bank's gross interest income from loans was $103,351,000.
    Rcb Bank's net interest income from loans was $89,185,000.
    Rcb Bank's fee based income from loans was $8,971,000.
    Rcb Bank's net income from loans was $33,566,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $14,166
    Provision for credit losses $2,580
    Total noninterest expense $76,783
    Salaries and employee benefits $48,001
    Premises and equipment expense $10,015
    Additional noninterest expense $18,767
    Applicable income taxes $0
    Net charge-offs $969
    Cash dividends $44,116

    Rcb Bank's interest expense for loans was $14,166,000.
    Rcb Bank's payroll and benefits expense were $48,001,000.
    Rcb Bank's property, plant and equipment expenses $10,015,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 1.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,519,818
    Deposits held in domestic offices $2,519,818
    Deposits by Individuals, partnerships, and corporations $2,132,364
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $385,046
    Deposits by Commercial banks and other depository institutions in U.S. $2,408
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $891,577
    Demand deposits $891,577
    Nontransaction accounts $1,628,241
    Money market deposit accounts (MMDAs) $765,562
    Other savings deposits (excluding MMDAs) $284,125
    Total time deposits $578,555
    Total time and savings deposits $1,628,241
    Noninterest-bearing deposits $598,471
    Interest-bearing deposits $1,921,347
    Retail deposits $2,343,770
    IRAs and Keogh plan accounts $93,800
    Brokered deposits $61,125
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,825,883
    Cash & Balances due from depository institutions $203,070
    Interest-bearing balances $153,954
    Total securities $696,010
    Federal funds sold & reverse repurchase $448
    Net loans and leases $1,767,145
    Loan and leases loss allowance $21,471
    Trading account assets $0
    Bank premises and fixed assets $86,416
    Other real estate owned $1,264
    Goodwill and other intangibles $47,548
    All other assets $23,982

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,825,883
    Total Liabilities $2,574,271
    Total deposits $2,519,818
    Interest-bearing deposits $1,921,347
    Deposits held in domestic offices $2,519,818
    % insured (estimated) $93
    Federal funds purchased and repurchase agreements $36,610
    Trading liabilities $0
    Other borrowed funds $226
    Subordinated debt $0
    All other liabilities $17,617

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,767,145
    Loan and leases loss allowance $21,471
    Total loans and leases (domestic) $1,788,616
    All real estate loans $1,163,394
    Real estate loans in domestic offices $1,163,394
    Construction and development loans $86,464
    Residential 1-4 family construction $22,005
    Other construction, all land development and other land $64,459
    Loans secured by nonfarm nonresidential properties $680,697
    Nonfarm nonresidential secured by owner-occupied properties $279,201
    Commercial real estate & other non-farm, non-residential $401,496
    Multifamily residential real estate $47,639
    1-4 family residential loans $284,948
    Farmland loans $63,646
    Loans held in foreign offices $0
    Farm loans $49,352
    Commercial and industrial loans $127,039
    To non-U.S. addressees $0
    Loans to individuals $162,317
    Credit card loans $0
    Related Plans $84
    Consumer Auto Loans $72,596
    Other loans to individuals $89,637
    All other loans & leases $286,952
    Loans to foreign governments and official institutions $0
    Other loans $14,530
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $1,392
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    RCB Bank had $1,767,145,000 of loans outstanding in 2018. $1,163,394,000 of loans were in real estate loans. $86,464,000 of loans were in development loans. $47,639,000 of loans were in multifamily mortgage loans. $284,948,000 of loans were in 1-4 family mortgage loans. $49,352,000 of loans were in farm loans. $0 of loans were in credit card loans. $72,596,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 762 $166,816 $218,919
    Nonfarm, nonresidential loans - <$100k 195 $8,056 $41,313
    Nonfarm, nonresidential loans - $100-250k 248 $30,544 $123,161
    Nonfarm, nonresidential loans - $250k-1MM 319 $128,216 $401,931
    Commercial & Industrial, US addressed loans - <$1MM 1,205 $81,647 $67,757
    Commercial & Industrial, US addressed loans - <$100k 844 $19,005 $22,518
    Commercial & Industrial, US addressed loans - $100-250k 202 $19,720 $97,624
    Commercial & Industrial, US addressed loans - $250k-1MM 159 $42,922 $269,950
    Farmland loans - <$1MM 238 $26,709 $112,223
    Farmland loans - <$100k 101 $3,972 $39,327
    Farmland loans - $100-250k 96 $11,640 $121,250
    Farmland loans - $250k-1MM 41 $11,097 $270,659
    Agriculture operations loans - <$1MM 385 $24,355 $63,260
    Agriculture operations loans - <$100k 275 $7,046 $25,622
    Agriculture operations loans - $100-250k 64 $6,664 $104,125
    Agriculture operations loans - $250k-1MM 46 $10,645 $231,413