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: Oklahoma City, Tulsa, Wichita, Stillwater, and Ponca City among others. We have data for 30 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Rcb Bank has an above 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% 4/18/24
    30 Year Conventional Purchase 6.81% 4/18/24
    30 Year Conventional Refi 6.76% 4/18/24
    30 Year Cash-out Refi 7.07% 4/18/24
    30 Year FHA Purchase 7.67% 4/18/24
    30 Year FHA Refi 6.27% 4/18/24
    30 Year VA Purchase 6.65% 4/18/24
    30 Year USDA Purchase 7.33% 4/18/24
    15 Year Conventional Purchase 6.51% 4/18/24
    15 Year Conventional Refi 6.53% 4/18/24
    15 Year Cash-out Refi 6.53% 4/18/24
    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

    1,132

    Origination Dollar Volume (All Markets)

    $222,220,000

    Employee count

    773 Show all (7) 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
    OKLAHOMA CITY, OK (FHA|USDA|VA) 231 $74,515,000 $322,576 $3,932 4.42%
    TULSA, OK (FHA|USDA|VA) 328 $54,990,000 $167,652 $3,684 4.55%
    WICHITA, KS (FHA|USDA|VA) 153 $32,655,000 $213,431 $3,040 4.75%
    Stillwater, OK (FHA|USDA|VA) 69 $12,745,000 $184,710 $4,355 4.41%
    Ponca City, OK (FHA|USDA|VA) 99 $11,545,000 $116,616 $3,257 4.62%
    Outside of Metro Areas 63 $10,225,000 $162,302 $3,388 4.61%
    Winfield, KS (FHA|USDA|VA) 71 $7,815,000 $110,070 $2,774 4.57%
    Hutchinson, KS (FHA|USDA|VA) 60 $6,480,000 $108,000 $2,089 4.86%
    LAWRENCE, KS (FHA|USDA|VA) 13 $3,675,000 $282,692 $2,739 4.25%
    Bartlesville, OK (FHA|USDA|VA) 18 $2,200,000 $122,222 $3,290 4.97%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 4 $890,000 $222,500 $3,723 4.67%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $855,000 $855,000 $0 4.75%
    McPherson, KS (FHA|USDA|VA) 4 $400,000 $100,000 $2,330 4.81%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $375,000 $375,000 $2,557 3.88%
    Breckenridge, CO (FHA|USDA|VA) 1 $335,000 $335,000 $0 4.63%
    COLUMBIA, MO (FHA|USDA|VA) 1 $315,000 $315,000 $4,836 4.13%
    McAlester, OK (FHA|USDA|VA) 1 $305,000 $305,000 $3,009 3.38%
    ENID, OK (FHA|USDA|VA) 1 $285,000 $285,000 $8,184 4.13%
    Shawnee, OK (FHA|USDA|VA) 1 $285,000 $285,000 $3,038 3.63%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $285,000 $285,000 $3,830 3.75%
    Weatherford, OK (FHA|USDA|VA) 1 $225,000 $225,000 $4,138 3.88%
    Duncan, OK (FHA|USDA|VA) 1 $185,000 $185,000 $6,508 5.00%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $155,000 $155,000 $2,505 3.99%
    Elk City, OK (FHA|USDA|VA) 2 $120,000 $60,000 $3,036 4.13%
    Woodward, OK (FHA|USDA|VA) 1 $105,000 $105,000 $2,599 4.88%
    Ada, OK (FHA|USDA|VA) 1 $85,000 $85,000 $2,993 4.00%
    TOPEKA, KS (FHA|USDA|VA) 1 $65,000 $65,000 $1,128 4.15%
    AMARILLO, TX (FHA|USDA|VA) 1 $45,000 $45,000 $2,057 4.25%
    Great Bend, KS (FHA|USDA|VA) 1 $35,000 $35,000 $2,575 4.50%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.50%
    Rcb Bank's top markets include Oklahoma City, Tulsa, Wichita, Stillwater, and Ponca City among others.

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

    RED CROWN
    Similarity Rank: 45
    Tulsa Federal Credit Union
    Similarity Rank: 84
    HOME BANK AND TRUST COMPANY
    Similarity Rank: 90
    MID AMERICAN
    Similarity Rank: 128
    Central Bank of Oklahoma
    Similarity Rank: 140
    Citizens Savings and Loan Association, FSB
    Similarity Rank: 141
    SKYWARD
    Similarity Rank: 148
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 160
    TRUE SKY
    Similarity Rank: 174
    PANHANDLE FEDERAL CREDIT UNION
    Similarity Rank: 212

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 980 $197,460,000 $201,490 $3,068 4.66%
    FHA 95 $14,785,000 $155,632 $5,613 4.04%
    VA 37 $7,775,000 $210,135 $5,223 3.90%
    USDA 20 $2,200,000 $110,000 $4,010 4.10%

    For 2019, Rcb Bank's most frequently originated type of loan was Conventional, with 980 originations. Their 2nd most popular type was FHA, with 95 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 770 $165,610,000 $215,078 $3,810 4.52%
    Refi 166 $27,510,000 $165,723 $2,819 4.97%
    Cash Out Refi 124 $22,800,000 $183,871 $3,023 4.17%
    Home Improvement 40 $3,710,000 $92,750 $2,200 4.94%
    Other 32 $2,590,000 $80,938 $2,308 4.83%

    For 2019, Rcb Bank's most frequently cited loan purpose was Home Purchase, with 770 originations. The 2nd most popular reason was Refi, with 166 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 578 $111,840,000 $193,495 $3,870 4.23%
    15 Year 183 $28,585,000 $156,202 $2,773 4.37%
    20 Year 138 $26,930,000 $195,145 $2,505 4.97%
    Other 111 $16,495,000 $148,604 $1,418 5.32%
    10 Year 59 $5,185,000 $87,881 $2,045 5.12%
    1 Year 39 $5,865,000 $150,385 $2,820 6.14%
    5 Year 23 $27,315,000 $1,187,609 $1,848 4.68%
    3 Year 1 $5,000 $5,000 $0 5.09%

    For 2019, Rcb Bank's most frequently cited loan duration was 30 Year, with 578 originations. The 2nd most popular length was 15 Year, with 183 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 649 $116,545,000 $179,576
    $1k-2k 88 $16,120,000 $183,182
    $2k-3k 23 $6,145,000 $267,174
    $3k-4k 4 $1,660,000 $415,000
    $4k-5k 1 $405,000 $405,000
    $5k+ 1 $175,000 $175,000

    Rcb Bank's average total fees were $3,870, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 649 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 473 $101,485,000 $214,556
    3-4% 355 $77,555,000 $218,465
    5-6% 248 $33,070,000 $133,347
    6-7% 50 $8,090,000 $161,800
    2.5-3% 6 $2,020,000 $336,667

    During 2019, Rcb Bank's average interest rate for loans was 4.23%, while their most frequently originated rate bucket for loans was 4-5%, with 473 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 415 $59,065,000 $142,325 $3,507 4.47%
    $100,000 or less 370 $22,200,000 $60,000 $2,538 4.94%
    $200k-400k 265 $70,375,000 $265,566 $4,208 4.27%
    $400k-600k 61 $27,645,000 $453,197 $4,163 4.19%
    $600k-1MM 15 $11,125,000 $741,667 $3,840 4.90%
    $1MM+ 6 $31,810,000 $5,301,667 $0 5.29%

    2019 saw Rcb Bank place emphasis on $100k-200k loans with 415 originations, totaling $59,065,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 195 $26,035,000 $133,513 $3,405 4.43%
    $50k or less 192 $18,600,000 $96,875 $3,125 4.48%
    $100k-150k 181 $35,265,000 $194,834 $3,752 4.41%
    $75k-100k 150 $25,150,000 $167,667 $3,742 4.24%
    $150k-250k 94 $24,460,000 $260,213 $3,643 4.36%
    $250k+ 50 $17,900,000 $358,000 $3,906 4.18%

    Rcb Bank lent most frequently to those with incomes in the $50k-75k range, with 195 originations. The second most popular income band? $50k or less, with 192 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 242 $38,710,000 $159,959 $3,369 4.37%
    30-36% 167 $28,725,000 $172,006 $3,525 4.35%
    <20% 122 $23,040,000 $188,852 $3,135 4.36%
    38% 33 $6,085,000 $184,394 $3,366 4.35%
    50-60% 32 $4,220,000 $131,875 $5,842 4.52%
    36% 31 $5,915,000 $190,806 $3,502 4.37%
    40% 30 $5,370,000 $179,000 $3,383 4.53%
    43% 28 $5,260,000 $187,857 $3,288 4.24%
    37% 28 $5,080,000 $181,429 $3,934 4.28%
    44% 22 $4,420,000 $200,909 $3,336 4.26%
    39% 21 $3,515,000 $167,381 $3,588 4.30%
    42% 19 $3,165,000 $166,579 $3,960 4.35%
    41% 19 $3,485,000 $183,421 $3,790 4.29%
    46% 18 $3,550,000 $197,222 $3,227 4.36%
    45% 18 $2,000,000 $111,111 $3,322 4.61%
    48% 16 $2,960,000 $185,000 $4,350 4.22%
    >60% 16 $1,600,000 $100,000 $2,505 5.20%
    49% 13 $2,075,000 $159,615 $3,943 4.06%
    47% 12 $2,660,000 $221,667 $4,321 4.48%

    Rcb Bank lent most frequently to those with DTI ratios of 20-30%, with 242 originations. The next most common DTI ratio? 30-36%, with 167 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 787 $135,065,000 $171,620 $3,448 4.37%
    Not applicable 244 $70,200,000 $287,705 $0 5.28%
    American Indian 67 $10,985,000 $163,955 $4,329 4.43%
    Not provided 14 $2,340,000 $167,143 $3,600 4.68%
    Asian 13 $2,115,000 $162,692 $3,005 4.36%
    Black 6 $1,340,000 $223,333 $4,171 4.11%
    Asian Indian 1 $175,000 $175,000 $2,779 4.13%

    Approval Rates

    Total approvals of all applications
    91.98%

    Rcb Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    81.80%

    Rcb Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,132 $222,220,000 $196,307

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 36 $43,080,000 $1,196,667
    Single Family (1-4 Units):Manufactured 2 $210,000 $105,000
    Single Family (1-4 Units):Site-Built 1,094 $178,930,000 $163,556

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 69 $7,635,000 $110,652 $2,144 4.95%
    40-60% 127 $19,835,000 $156,181 $2,738 4.74%
    60-80% 363 $87,785,000 $241,832 $3,013 4.69%
    80-100% 537 $102,185,000 $190,289 $3,992 4.36%
    Over 100% 10 $2,390,000 $239,000 $8,797 4.35%
    Under 20% 26 $2,390,000 $91,923 $1,808 5.36%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    RCB Bank .3600 Boulevard Street Edmond, OK 73013 Full Service B&M $21,634
    RCB Bank 1001 West Rogers Skiatook, OK 74070 Full Service B&M $59,070
    RCB Bank 101 North Sumner Oxford, KS 67119 Full Service B&M $14,789
    RCB Bank 101 West Avenue A Hutchinson, KS 67501 Full Service B&M $70,208
    RCB Bank 105 West Main Street Oilton, OK 74052 Full Service B&M $16,183
    RCB Bank 10501 E. Berkeley Square Pkwy Wichita, KS 67206 Full Service B&M $18,751
    RCB Bank 11 West Commercial Inola, OK 74036 Full Service B&M $60,817
    RCB Bank 111 North Eleventh Street Collinsville, OK 74021 Full Service B&M $68,326
    RCB Bank 11633 East 86th Street, North Owasso, OK 74055 Full Service B&M $120,531
    RCB Bank 119 S. Washington Wellington, KS 67152 Full Service B&M $0
    RCB Bank 1201 Wakarusa Dr. Ste B2 Lawrence, KS 66049 Full Service B&M $0
    RCB Bank 121 West Broadway Drumright, OK 74030 Full Service B&M $47,181
    RCB Bank 12200 E. 96th Street Owasso, OK 74055 Full Service B&M $38,993
    RCB Bank 1223 E Highland Ave Ponca City, OK 74601 Full Service B&M $202,756
    RCB Bank 125 N. Summit Street Arkansas City, KS 67005 Full Service B&M $103,047
    RCB Bank 1300 East Kenosha Broken Arrow, OK 74012 Full Service B&M $55,648
    RCB Bank 1330 East 17th Street Hutchinson, KS 67501 Limited, Drive-thru $711
    RCB Bank 1350 West Doolin Blackwell, OK 74631 Full Service B&M $50,865
    RCB Bank 1421 Main Street Winfield, KS 67156 Full Service B&M $0
    RCB Bank 1600 Lynn Riggs Boulevard Claremore, OK 74017 Full Service B&M $25,784
    RCB Bank 1610 Main Street Winfield, KS 67156 Full Service B&M $38,976
    RCB Bank 16461 North Pennsylvania Avenue Edmond, OK 73013 Full Service B&M $9,697
    RCB Bank 1727 N Highway 66 Catoosa, OK 74015 Full Service B&M $58,041
    RCB Bank 1902 E. 16th Street Wellington, KS 67152 Full Service B&M $11,846
    RCB Bank 1905 East Ninth Winfield, KS 67156 Limited, Drive-thru $1,562
    RCB Bank 201 South Cosden Shidler, OK 74652 Full Service B&M $11,687
    RCB Bank 2019 North Summit Arkansas City, KS 67005 Limited, Drive-thru $9,821
    RCB Bank 212 North Second Street Ponca City, OK 74601 Full Service B&M $5,632
    RCB Bank 222 S.E. First Street Pryor, OK 74361 Full Service B&M $209,842
    RCB Bank 2596 W Tecumseh Rd Norman, OK 73069 Full Service B&M $11,496
    RCB Bank 27010 East 116th Street South Coweta, OK 74429 Full Service B&M $6,528
    RCB Bank 2901 North 14th Street Ponca City, OK 74601 Full Service B&M $127,582
    RCB Bank 300 North Harrison Cushing, OK 74023 Full Service B&M $125,631
    RCB Bank 300 West Patti Page Boulevard Claremore, OK 74017 Full Service B&M $472,797
    RCB Bank 3000 West Memorial Road, Suite 131 Oklahoma City, OK 73120 Full Service B&M $8,203
    RCB Bank 305 South Forest Douglass, KS 67039 Full Service B&M $22,115
    RCB Bank 324 South Duck Stillwater, OK 74074 Full Service B&M $40,910
    RCB Bank 3300 W. 6th Street Lawrence, KS 66049 Full Service B&M $4,777
    RCB Bank 333 West Boyd Street, Suite 110 Norman, OK 73069 Full Service B&M $67
    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 $46,893
    RCB Bank 4224 Se Adams Road Bartlesville, OK 74006 Full Service B&M $29,147
    RCB Bank 5000 West Kenosha Broken Arrow, OK 74012 Full Service B&M $65,600
    RCB Bank 5101 S. Mill Pryor, OK 74361 Full Service B&M $21,713
    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 624 East 30th Avenue Hutchinson, KS 67501 Full Service B&M $111,961
    RCB Bank 680 North Ridge Road Wichita, KS 67212 Full Service B&M $13,751
    RCB Bank 700 East 30th Avenue Hutchinson, KS 67502 Full Service B&M $0
    RCB Bank 701 N Broadway Oklahoma City, OK 73102 Full Service B&M $34,818
    RCB Bank 723 West Fourth Street Stroud, OK 74079 Full Service B&M $14,193
    RCB Bank 7400 N Western Ave Oklahoma City, OK 73116 Full Service B&M $100,333
    RCB Bank 800 Garth Brooks Blvd Yukon, OK 73099 Full Service B&M $8,394
    RCB Bank 8411 East 21st Street Wichita, KS 67206 Full Service B&M $10,042
    RCB Bank 855 West Covell Road Edmond, OK 73003 Full Service B&M $6,903
    RCB Bank 900 Main Street Winfield, KS 67156 Full Service B&M $129,494
    RCB Bank 909 W. Edmond Road Edmond, OK 73003 Full Service B&M $37,077
    RCB Bank Two Lake Road Ponca City, OK 74601 Limited, Drive-thru $0

    For 2019, Rcb Bank had 58 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $121,529
    Net interest income $100,548
    Total noninterest income $26,254
    Gross Fiduciary activities income $3,313
    Service charges on deposit accounts $8,945
    Trading account gains and fees $0
    Additional Noninterest Income $13,996
    Pre-tax net operating income $39,997
    Securities gains (or losses, -) $121
    Income before extraordinary items $40,094
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $40,094
    Minority interest net income $0
    Net income $40,094
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $39,973

    Rcb Bank's gross interest income from loans was $121,529,000.
    Rcb Bank's net interest income from loans was $100,548,000.
    Rcb Bank's fee based income from loans was $8,945,000.
    Rcb Bank's net income from loans was $40,094,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $20,981
    Provision for credit losses $1,800
    Total noninterest expense $85,005
    Salaries and employee benefits $52,117
    Premises and equipment expense $11,843
    Additional noninterest expense $21,045
    Applicable income taxes $24
    Net charge-offs $1,271
    Cash dividends $17,532

    Rcb Bank's interest expense for loans was $20,981,000.
    Rcb Bank's payroll and benefits expense were $52,117,000.
    Rcb Bank's property, plant and equipment expenses $11,843,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    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 $2,783,192
    Deposits held in domestic offices $2,783,192
    Deposits by Individuals, partnerships, and corporations $2,327,696
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $449,776
    Deposits by Commercial banks and other depository institutions in U.S. $5,720
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,015,796
    Demand deposits $1,015,796
    Nontransaction accounts $1,767,396
    Money market deposit accounts (MMDAs) $829,921
    Other savings deposits (excluding MMDAs) $316,941
    Total time deposits $620,534
    Total time and savings deposits $1,767,396
    Noninterest-bearing deposits $642,718
    Interest-bearing deposits $2,140,474
    Retail deposits $2,612,680
    IRAs and Keogh plan accounts $107,526
    Brokered deposits $41,371
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,176,415
    Cash & Balances due from depository institutions $292,866
    Interest-bearing balances $238,419
    Total securities $750,998
    Federal funds sold & reverse repurchase $985
    Net loans and leases $1,934,175
    Loan and leases loss allowance $22,080
    Trading account assets $0
    Bank premises and fixed assets $99,850
    Other real estate owned $936
    Goodwill and other intangibles $71,011
    All other assets $25,594

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,176,415
    Total Liabilities $2,824,763
    Total deposits $2,783,192
    Interest-bearing deposits $2,140,474
    Deposits held in domestic offices $2,783,192
    % insured (estimated) $92
    Federal funds purchased and repurchase agreements $25,011
    Trading liabilities $0
    Other borrowed funds $1,299
    Subordinated debt $0
    All other liabilities $15,261

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,934,175
    Loan and leases loss allowance $22,080
    Total loans and leases (domestic) $1,956,255
    All real estate loans $1,253,107
    Real estate loans in domestic offices $1,253,107
    Construction and development loans $107,275
    Residential 1-4 family construction $19,482
    Other construction, all land development and other land $87,793
    Loans secured by nonfarm nonresidential properties $709,212
    Nonfarm nonresidential secured by owner-occupied properties $312,099
    Commercial real estate & other non-farm, non-residential $397,113
    Multifamily residential real estate $47,532
    1-4 family residential loans $317,802
    Farmland loans $71,286
    Loans held in foreign offices $0
    Farm loans $50,699
    Commercial and industrial loans $150,428
    To non-U.S. addressees $0
    Loans to individuals $170,511
    Credit card loans $0
    Related Plans $127
    Consumer Auto Loans $74,922
    Other loans to individuals $95,462
    All other loans & leases $331,893
    Loans to foreign governments and official institutions $0
    Other loans $17,865
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $1,486
    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 $1,934,175,000 of loans outstanding in 2019. $1,253,107,000 of loans were in real estate loans. $107,275,000 of loans were in development loans. $47,532,000 of loans were in multifamily mortgage loans. $317,802,000 of loans were in 1-4 family mortgage loans. $50,699,000 of loans were in farm loans. $0 of loans were in credit card loans. $74,922,000 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 850 $183,704 $216,122
    Nonfarm, nonresidential loans - <$100k 228 $9,432 $41,368
    Nonfarm, nonresidential loans - $100-250k 258 $32,231 $124,926
    Nonfarm, nonresidential loans - $250k-1MM 364 $142,041 $390,223
    Commercial & Industrial, US addressed loans - <$1MM 1,255 $82,227 $65,520
    Commercial & Industrial, US addressed loans - <$100k 886 $20,762 $23,433
    Commercial & Industrial, US addressed loans - $100-250k 210 $19,105 $90,976
    Commercial & Industrial, US addressed loans - $250k-1MM 159 $42,360 $266,415
    Farmland loans - <$1MM 320 $35,987 $112,459
    Farmland loans - <$100k 133 $5,711 $42,940
    Farmland loans - $100-250k 136 $16,907 $124,316
    Farmland loans - $250k-1MM 51 $13,369 $262,137
    Agriculture operations loans - <$1MM 422 $23,925 $56,694
    Agriculture operations loans - <$100k 317 $8,144 $25,691
    Agriculture operations loans - $100-250k 65 $7,017 $107,954
    Agriculture operations loans - $250k-1MM 40 $8,764 $219,100