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, Cash Out Refi, and Refi loans. Rcb Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Oklahoma City, Tulsa, Wichita, Lawrence, and Ponca City among others. We have data for 44 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 7.46% 11/17/24
    30 Year Conventional Purchase 6.81% 11/17/24
    30 Year Conventional Refi 6.76% 11/17/24
    30 Year Cash-out Refi 7.07% 11/17/24
    30 Year FHA Purchase 7.67% 11/17/24
    30 Year FHA Refi 6.27% 11/17/24
    30 Year VA Purchase 6.65% 11/17/24
    30 Year USDA Purchase 7.33% 11/17/24
    15 Year Conventional Purchase 6.51% 11/17/24
    15 Year Conventional Refi 6.53% 11/17/24
    15 Year Cash-out Refi 6.53% 11/17/24
    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

    1,650

    Origination Dollar Volume (All Markets)

    $384,600,000

    Employee count

    739 Show all (8) 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) 334 $127,670,000 $382,246 $3,872 3.33%
    TULSA, OK (FHA|USDA|VA) 452 $96,690,000 $213,916 $3,571 3.43%
    WICHITA, KS (FHA|USDA|VA) 169 $38,015,000 $224,941 $3,091 3.55%
    LAWRENCE, KS (FHA|USDA|VA) 95 $21,895,000 $230,474 $2,520 3.43%
    Outside of Metro Areas 110 $21,420,000 $194,727 $3,511 3.47%
    Ponca City, OK (FHA|USDA|VA) 112 $14,320,000 $127,857 $3,728 3.45%
    Stillwater, OK (FHA|USDA|VA) 66 $14,050,000 $212,879 $4,132 3.40%
    Winfield, KS (FHA|USDA|VA) 89 $10,705,000 $120,281 $2,552 3.50%
    Hutchinson, KS (FHA|USDA|VA) 102 $10,420,000 $102,157 $2,377 3.74%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 26 $5,530,000 $212,692 $2,311 3.19%
    Tahlequah, OK (FHA|USDA|VA) 6 $4,590,000 $765,000 $4,949 3.53%
    Bartlesville, OK (FHA|USDA|VA) 26 $4,510,000 $173,462 $3,844 3.21%
    TOPEKA, KS (FHA|USDA|VA) 20 $3,650,000 $182,500 $2,648 3.29%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $1,030,000 $515,000 $2,969 2.63%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 3 $945,000 $315,000 $5,702 2.71%
    McAlester, OK (FHA|USDA|VA) 3 $865,000 $288,333 $4,443 2.79%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $760,000 $380,000 $4,327 2.63%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $735,000 $735,000 $6,981 5.50%
    Ottawa, KS (FHA|USDA|VA) 2 $650,000 $325,000 $2,855 3.44%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $575,000 $575,000 $2,674 3.88%
    ENID, OK (FHA|USDA|VA) 2 $550,000 $275,000 $3,403 4.06%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $405,000 $405,000 $3,899 2.75%
    Dodge City, KS (FHA|USDA|VA) 2 $400,000 $200,000 $2,401 3.88%
    Muskogee, OK (FHA|USDA|VA) 2 $390,000 $195,000 $2,917 3.06%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $375,000 $375,000 $5,720 2.25%
    MANHATTAN, KS (FHA|USDA|VA) 2 $350,000 $175,000 $2,169 3.06%
    Ardmore, OK (FHA|USDA|VA) 1 $325,000 $325,000 $3,393 4.50%
    Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $305,000 $305,000 $4,102 3.99%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $285,000 $285,000 $6,228 2.38%
    Shawnee, OK (FHA|USDA|VA) 1 $265,000 $265,000 $5,528 3.17%
    Altus, OK (FHA|USDA|VA) 1 $235,000 $235,000 $2,992 3.38%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $225,000 $225,000 $3,578 3.38%
    RENO, NV (FHA|USDA|VA) 1 $205,000 $205,000 $1,897 2.75%
    LAWTON, OK (FHA|USDA|VA) 2 $180,000 $90,000 $0 3.87%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $165,000 $165,000 $2,293 3.63%
    Miami, OK (FHA|USDA|VA) 1 $155,000 $155,000 $3,159 3.88%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $135,000 $135,000 $3,132 2.50%
    Duncan, OK (FHA|USDA|VA) 1 $125,000 $125,000 $5,413 3.63%
    Salina, KS (FHA|USDA|VA) 1 $115,000 $115,000 $1,951 3.63%
    LUBBOCK, TX (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.00%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.03%
    McPherson, KS (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.86%
    Woodward, OK (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.03%
    Parsons, KS (FHA|USDA|VA) 1 $45,000 $45,000 $2,552 3.75%
    Rcb Bank's top markets include Oklahoma City, Tulsa, Wichita, Lawrence, and Ponca City among others.

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

    GOLDEN PLAINS
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    Similarity Rank: 195
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    Similarity Rank: 340
    Azura Credit Union
    Similarity Rank: 380
    RED CROWN
    Similarity Rank: 408
    WEOKIE
    Similarity Rank: 420
    HOME BANK AND TRUST COMPANY
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    ALLEGIANCE
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,487 $358,625,000 $241,174 $3,149 3.45%
    FHA 101 $14,915,000 $147,673 $5,603 3.29%
    VA 35 $7,635,000 $218,143 $4,885 3.30%
    USDA 27 $3,425,000 $126,852 $4,357 3.25%

    For 2020, Rcb Bank's most frequently originated type of loan was Conventional, with 1,487 originations. Their 2nd most popular type was FHA, with 101 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 911 $187,845,000 $206,196 $3,789 3.46%
    Cash Out Refi 365 $77,415,000 $212,096 $2,996 3.19%
    Refi 335 $115,675,000 $345,299 $3,069 3.57%
    Home Improvement 22 $1,740,000 $79,091 $1,693 4.13%
    Other 17 $1,925,000 $113,235 $2,593 3.95%

    For 2020, Rcb Bank's most frequently cited loan purpose was Home Purchase, with 911 originations. The 2nd most popular reason was Cash Out Refi, with 365 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 959 $209,335,000 $218,285 $3,664 3.27%
    15 Year 333 $68,385,000 $205,360 $3,030 3.27%
    20 Year 137 $25,375,000 $185,219 $2,964 3.83%
    Other 104 $24,000,000 $230,769 $1,523 4.08%
    10 Year 61 $33,105,000 $542,705 $1,937 3.91%
    1 Year 37 $7,175,000 $193,919 $3,646 4.79%
    5 Year 19 $17,225,000 $906,579 $1,015 4.12%

    For 2020, Rcb Bank's most frequently cited loan duration was 30 Year, with 959 originations. The 2nd most popular length was 15 Year, with 333 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,078 $231,970,000 $215,186
    $1k-2k 125 $19,585,000 $156,680
    $2k-3k 26 $6,830,000 $262,692
    $3k-4k 16 $4,650,000 $290,625
    $5k+ 5 $2,615,000 $523,000
    $4k-5k 3 $1,605,000 $535,000

    Rcb Bank's average total fees were $3,664, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,078 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 733 $193,835,000 $264,441
    2.5-3% 515 $117,085,000 $227,350
    4-5% 289 $47,425,000 $164,100
    <2.5% 75 $21,335,000 $284,467
    5-6% 37 $4,905,000 $132,568
    6-7% 1 $15,000 $15,000

    During 2020, Rcb Bank's average interest rate for loans was 3.27%, while their most frequently originated rate bucket for loans was 3-4%, with 733 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 612 $91,430,000 $149,395 $3,343 3.45%
    $200k-400k 514 $139,710,000 $271,809 $3,758 3.19%
    $100,000 or less 381 $24,155,000 $63,399 $2,487 3.84%
    $400k-600k 112 $53,240,000 $475,357 $3,930 3.05%
    $600k-1MM 16 $12,760,000 $797,500 $5,894 4.00%
    $1MM+ 15 $63,305,000 $4,220,333 $0 3.86%

    2020 saw Rcb Bank place emphasis on $100k-200k loans with 612 originations, totaling $91,430,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 315 $49,325,000 $156,587 $3,378 3.36%
    $100k-150k 284 $63,230,000 $222,641 $3,492 3.28%
    $75k-100k 237 $40,755,000 $171,962 $3,440 3.38%
    $50k or less 210 $23,070,000 $109,857 $3,157 3.40%
    $150k-250k 179 $47,085,000 $263,045 $3,423 3.25%
    $250k+ 130 $49,470,000 $380,538 $3,675 3.18%

    Rcb Bank lent most frequently to those with incomes in the $50k-75k range, with 315 originations. The second most popular income band? $100k-150k, with 284 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 409 $81,505,000 $199,279 $3,340 3.25%
    30-36% 258 $51,010,000 $197,713 $3,508 3.30%
    <20% 219 $49,315,000 $225,183 $3,174 3.25%
    36% 57 $10,155,000 $178,158 $3,286 3.43%
    42% 51 $12,595,000 $246,961 $3,771 3.17%
    43% 47 $9,305,000 $197,979 $3,371 3.45%
    40% 45 $9,695,000 $215,444 $3,224 3.28%
    44% 44 $9,110,000 $207,045 $3,763 3.38%
    39% 42 $7,950,000 $189,286 $3,786 3.39%
    41% 41 $8,035,000 $195,976 $3,537 3.40%
    38% 40 $8,240,000 $206,000 $3,560 3.36%
    37% 30 $6,640,000 $221,333 $3,609 3.36%
    50-60% 22 $2,760,000 $125,455 $4,475 3.64%
    >60% 19 $2,875,000 $151,316 $1,438 4.07%
    49% 19 $3,575,000 $188,158 $3,462 3.37%
    48% 17 $2,975,000 $175,000 $3,911 3.58%
    45% 17 $3,045,000 $179,118 $3,260 3.26%
    46% 15 $2,355,000 $157,000 $3,316 3.54%
    47% 14 $3,290,000 $235,000 $3,994 3.39%

    Rcb Bank lent most frequently to those with DTI ratios of 20-30%, with 409 originations. The next most common DTI ratio? 30-36%, with 258 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,203 $243,775,000 $202,639 $3,349 3.32%
    Not applicable 237 $97,465,000 $411,245 $0 4.16%
    American Indian 94 $19,700,000 $209,574 $4,369 3.32%
    Not provided 60 $11,640,000 $194,000 $3,682 3.38%
    Asian 24 $5,900,000 $245,833 $3,018 3.13%
    Black 30 $5,850,000 $195,000 $3,351 3.33%
    Other Asian 1 $225,000 $225,000 $2,832 2.88%
    Native Hawaiian or Islander 1 $45,000 $45,000 $984 4.00%

    Approval Rates

    Total approvals of all applications
    90.87%

    Rcb Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    79.09%

    Rcb Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,650 $384,600,000 $233,091

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 37 $69,375,000 $1,875,000
    Single Family (1-4 Units):Manufactured 8 $700,000 $87,500
    Single Family (1-4 Units):Site-Built 1,605 $314,525,000 $195,966

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 65 $9,945,000 $153,000 $2,527 3.75%
    40-60% 163 $34,135,000 $209,417 $2,871 3.45%
    60-80% 667 $173,305,000 $259,828 $3,089 3.46%
    80-100% 727 $163,355,000 $224,697 $3,861 3.36%
    Over 100% 8 $2,820,000 $352,500 $6,945 3.64%
    Under 20% 20 $1,040,000 $52,000 $1,218 4.33%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Rcb Bank 1001 West Rogers Skiatook, OK 74070 Full Service B&M $69,405
    Rcb Bank 101 North Sumner Oxford, KS 67119 Full Service B&M $16,293
    Rcb Bank 101 West Avenue A Hutchinson, KS 67501 Full Service B&M $83,245
    Rcb Bank 105 West Main Street Oilton, OK 74052 Full Service B&M $15,721
    Rcb Bank 10501 E. Berkeley Square Pkwy Wichita, KS 67206 Full Service B&M $23,145
    Rcb Bank 11 West Commercial Inola, OK 74036 Full Service B&M $64,498
    Rcb Bank 111 North Eleventh Street Collinsville, OK 74021 Full Service B&M $76,286
    Rcb Bank 11633 East 86th Street, North Owasso, OK 74055 Full Service B&M $143,451
    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 $50,660
    Rcb Bank 12200 E. 96th Street Owasso, OK 74055 Full Service B&M $44,753
    Rcb Bank 1223 E Highland Ave Ponca City, OK 74601 Full Service B&M $225,291
    Rcb Bank 125 N. Summit Street Arkansas City, KS 67005 Full Service B&M $114,618
    Rcb Bank 1300 East Kenosha Broken Arrow, OK 74012 Full Service B&M $70,583
    Rcb Bank 1330 East 17th Street Hutchinson, KS 67501 Limited, Drive-thru $1,060
    Rcb Bank 1350 West Doolin Blackwell, OK 74631 Full Service B&M $52,255
    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 $29,518
    Rcb Bank 1610 Main Street Winfield, KS 67156 Full Service B&M $39,406
    Rcb Bank 16461 North Pennsylvania Avenue Edmond, OK 73013 Full Service B&M $10,836
    Rcb Bank 1727 N Highway 66 Catoosa, OK 74015 Full Service B&M $76,819
    Rcb Bank 1902 E. 16th Street Wellington, KS 67152 Full Service B&M $12,264
    Rcb Bank 1905 East Ninth Winfield, KS 67156 Limited, Drive-thru $1,489
    Rcb Bank 201 South Cosden Shidler, OK 74652 Full Service B&M $14,320
    Rcb Bank 2019 North Summit Arkansas City, KS 67005 Limited, Drive-thru $11,060
    Rcb Bank 212 North Second Street Ponca City, OK 74601 Full Service B&M $5,723
    Rcb Bank 222 S.E. First Street Pryor, OK 74361 Full Service B&M $244,612
    Rcb Bank 2596 W Tecumseh Rd Norman, OK 73069 Full Service B&M $23,628
    Rcb Bank 27010 East 116th Street South Coweta, OK 74429 Full Service B&M $8,712
    Rcb Bank 2901 North 14th Street Ponca City, OK 74601 Full Service B&M $149,575
    Rcb Bank 300 North Harrison Cushing, OK 74023 Full Service B&M $129,765
    Rcb Bank 300 West Patti Page Boulevard Claremore, OK 74017 Full Service B&M $490,723
    Rcb Bank 3000 West Memorial Road, Suite 131 Oklahoma City, OK 73120 Full Service B&M $9,581
    Rcb Bank 305 South Forest Douglass, KS 67039 Full Service B&M $25,121
    Rcb Bank 324 South Duck Stillwater, OK 74074 Full Service B&M $50,354
    Rcb Bank 3300 W. 6th Street Lawrence, KS 66049 Full Service B&M $7,987
    Rcb Bank 3600 S Boulevard Edmond, OK 73013 Full Service B&M $25,122
    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 $50,144
    Rcb Bank 4224 Se Adams Road Bartlesville, OK 74006 Full Service B&M $29,466
    Rcb Bank 5000 West Kenosha Broken Arrow, OK 74012 Full Service B&M $71,857
    Rcb Bank 5101 S. Mill Pryor, OK 74361 Full Service B&M $25,455
    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 $110,152
    Rcb Bank 680 North Ridge Road Wichita, KS 67212 Full Service B&M $16,318
    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 $32,250
    Rcb Bank 723 West Fourth Street Stroud, OK 74079 Full Service B&M $14,734
    Rcb Bank 7400 N Western Ave Oklahoma City, OK 73116 Full Service B&M $115,717
    Rcb Bank 800 Garth Brooks Blvd Yukon, OK 73099 Full Service B&M $10,219
    Rcb Bank 8411 East 21st Street Wichita, KS 67206 Full Service B&M $11,969
    Rcb Bank 855 West Covell Road Edmond, OK 73003 Full Service B&M $10,041
    Rcb Bank 900 Main Street Winfield, KS 67156 Full Service B&M $147,464
    Rcb Bank 909 W. Edmond Road Edmond, OK 73003 Full Service B&M $48,145
    Rcb Bank Two Lake Road Ponca City, OK 74601 Limited, Drive-thru $0

    For 2020, Rcb Bank had 56 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $115,408
    Net interest income $102,540
    Total noninterest income $26,632
    Gross Fiduciary activities income $3,914
    Service charges on deposit accounts $7,012
    Trading account gains and fees $0
    Additional Noninterest Income $15,706
    Pre-tax net operating income $37,751
    Securities gains (or losses, -) $776
    Income before extraordinary items $38,527
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $38,527
    Minority interest net income $0
    Net income $38,527
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $37,751

    Rcb Bank's gross interest income from loans was $115,408,000.
    Rcb Bank's net interest income from loans was $102,540,000.
    Rcb Bank's fee based income from loans was $7,012,000.
    Rcb Bank's net income from loans was $38,527,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $12,868
    Provision for credit losses $4,900
    Total noninterest expense $86,521
    Salaries and employee benefits $53,137
    Premises and equipment expense $11,206
    Additional noninterest expense $22,178
    Applicable income taxes $0
    Net charge-offs $1,396
    Cash dividends $28,212

    Rcb Bank's interest expense for loans was $12,868,000.
    Rcb Bank's payroll and benefits expense were $53,137,000.
    Rcb Bank's property, plant and equipment expenses $11,206,000.

    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 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 24.0%
    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 $3,226,902
    Deposits held in domestic offices $3,226,902
    Deposits by Individuals, partnerships, and corporations $2,717,223
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $507,134
    Deposits by Commercial banks and other depository institutions in U.S. $2,545
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,333,268
    Demand deposits $1,333,268
    Nontransaction accounts $1,893,634
    Money market deposit accounts (MMDAs) $928,644
    Other savings deposits (excluding MMDAs) $401,916
    Total time deposits $563,074
    Total time and savings deposits $1,893,634
    Noninterest-bearing deposits $887,566
    Interest-bearing deposits $2,339,336
    Retail deposits $3,080,420
    IRAs and Keogh plan accounts $102,879
    Brokered deposits $41,435
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,650,232
    Cash & Balances due from depository institutions $688,147
    Interest-bearing balances $641,325
    Total securities $665,214
    Federal funds sold & reverse repurchase $2,277
    Net loans and leases $2,100,930
    Loan and leases loss allowance $25,584
    Trading account assets $0
    Bank premises and fixed assets $99,266
    Other real estate owned $535
    Goodwill and other intangibles $68,929
    All other assets $24,934

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,650,232
    Total Liabilities $3,271,656
    Total deposits $3,226,902
    Interest-bearing deposits $2,339,336
    Deposits held in domestic offices $3,226,902
    % insured (estimated) $93
    Federal funds purchased and repurchase agreements $30,977
    Trading liabilities $0
    Other borrowed funds $1,130
    Subordinated debt $0
    All other liabilities $12,647

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,100,930
    Loan and leases loss allowance $25,584
    Total loans and leases (domestic) $2,126,514
    All real estate loans $1,316,860
    Real estate loans in domestic offices $1,316,860
    Construction and development loans $110,318
    Residential 1-4 family construction $22,156
    Other construction, all land development and other land $88,162
    Loans secured by nonfarm nonresidential properties $761,751
    Nonfarm nonresidential secured by owner-occupied properties $372,249
    Commercial real estate & other non-farm, non-residential $389,502
    Multifamily residential real estate $51,436
    1-4 family residential loans $326,664
    Farmland loans $66,691
    Loans held in foreign offices $0
    Farm loans $40,234
    Commercial and industrial loans $224,034
    To non-U.S. addressees $0
    Loans to individuals $144,859
    Credit card loans $0
    Related Plans $92
    Consumer Auto Loans $66,296
    Other loans to individuals $78,471
    All other loans & leases $401,713
    Loans to foreign governments and official institutions $0
    Other loans $5,523
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $381
    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 $2,100,930,000 of loans outstanding in 2020. $1,316,860,000 of loans were in real estate loans. $110,318,000 of loans were in development loans. $51,436,000 of loans were in multifamily mortgage loans. $326,664,000 of loans were in 1-4 family mortgage loans. $40,234,000 of loans were in farm loans. $0 of loans were in credit card loans. $66,296,000 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 813 $181,917 $223,760
    Nonfarm, nonresidential loans - <$100k 210 $8,702 $41,438
    Nonfarm, nonresidential loans - $100-250k 257 $32,381 $125,996
    Nonfarm, nonresidential loans - $250k-1MM 346 $140,834 $407,035
    Commercial & Industrial, US addressed loans - <$1MM 2,427 $142,916 $58,886
    Commercial & Industrial, US addressed loans - <$100k 1,882 $45,113 $23,971
    Commercial & Industrial, US addressed loans - $100-250k 344 $38,048 $110,605
    Commercial & Industrial, US addressed loans - $250k-1MM 201 $59,755 $297,289
    Farmland loans - <$1MM 312 $38,075 $122,035
    Farmland loans - <$100k 123 $5,140 $41,789
    Farmland loans - $100-250k 130 $16,807 $129,285
    Farmland loans - $250k-1MM 59 $16,128 $273,356
    Agriculture operations loans - <$1MM 379 $19,776 $52,179
    Agriculture operations loans - <$100k 274 $6,560 $23,942
    Agriculture operations loans - $100-250k 68 $6,882 $101,206
    Agriculture operations loans - $250k-1MM 37 $6,334 $171,189