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

Review & Overview

Rcb Bank is a smaller bank specializing in Home Purchase 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: Tulsa, Oklahoma City, Wichita, Lawrence, and Ponca City among others. We have data for 35 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%	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

Purchase Price:

Loan Amount:

Deposit Amount:

% Deposit:

Interest Rate:

Loan Type:

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

1,212

Origination Dollar Volume (All Markets)

$269,060,000

Employee count

736

Awards

RCB Bank 30 Year Conventional Loans gold

Show all (3) 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)	316	$73,680,000	$233,165	$3,948	3.38%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	212	$65,070,000	$306,934	$3,991	3.38%
WICHITA, KS (FHA\|USDA\|VA)	120	$35,420,000	$295,167	$3,003	3.75%
LAWRENCE, KS (FHA\|USDA\|VA)	104	$25,820,000	$248,269	$2,729	3.22%
Outside of Metro Areas	82	$14,360,000	$175,122	$3,630	3.44%
Ponca City, OK (FHA\|USDA\|VA)	96	$12,100,000	$126,042	$3,926	3.54%
Stillwater, OK (FHA\|USDA\|VA)	58	$11,210,000	$193,276	$4,083	3.45%
Winfield, KS (FHA\|USDA\|VA)	86	$8,690,000	$101,047	$2,829	3.46%
Bartlesville, OK (FHA\|USDA\|VA)	31	$4,835,000	$155,968	$4,210	3.61%
Hutchinson, KS (FHA\|USDA\|VA)	42	$3,480,000	$82,857	$2,450	3.96%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	15	$3,405,000	$227,000	$3,321	3.47%
TOPEKA, KS (FHA\|USDA\|VA)	10	$1,620,000	$162,000	$2,421	3.23%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	3	$1,165,000	$388,333	$2,964	3.33%
Muskogee, OK (FHA\|USDA\|VA)	6	$1,070,000	$178,333	$4,629	3.39%
McAlester, OK (FHA\|USDA\|VA)	3	$995,000	$331,667	$5,610	2.92%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	2	$820,000	$410,000	$7,373	3.48%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	1	$525,000	$525,000	$4,073	3.38%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	1	$505,000	$505,000	$3,909	2.13%
Tahlequah, OK (FHA\|USDA\|VA)	2	$440,000	$220,000	$3,242	2.75%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	1	$435,000	$435,000	$4,573	3.00%
MANHATTAN, KS (FHA\|USDA\|VA)	2	$430,000	$215,000	$2,123	3.06%
CHARLESTON, WV (FHA\|USDA\|VA)	1	$385,000	$385,000	$8,115	3.51%
FORT SMITH, AR-OK (FHA\|USDA\|VA)	4	$370,000	$92,500	$4,421	3.53%
COLUMBIA, MO (FHA\|USDA\|VA)	1	$365,000	$365,000	$5,166	3.13%
Weatherford, OK (FHA\|USDA\|VA)	2	$350,000	$175,000	$3,119	3.38%
SPRINGFIELD, MO (FHA\|USDA\|VA)	1	$295,000	$295,000	$0	4.64%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,806	2.88%
Branson, MO (FHA\|USDA\|VA)	1	$165,000	$165,000	$2,752	2.88%
JOPLIN, MO (FHA\|USDA\|VA)	1	$165,000	$165,000	$5,471	3.13%
Ottawa, KS (FHA\|USDA\|VA)	1	$165,000	$165,000	$2,566	3.13%
LAWTON, OK (FHA\|USDA\|VA)	1	$135,000	$135,000	$4,006	3.13%
Shawnee, OK (FHA\|USDA\|VA)	2	$130,000	$65,000	$2,854	3.44%
Altus, OK (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,813	3.50%
ENID, OK (FHA\|USDA\|VA)	1	$85,000	$85,000	$2,664	3.25%
Parsons, KS (FHA\|USDA\|VA)	1	$75,000	$75,000	$2,475	3.38%

Rcb Bank's top markets include Tulsa, Oklahoma City, Wichita, Lawrence, and Ponca City among others.

Their top states include:

Oklahoma (FHA|USDA|VA)

Kansas (FHA|USDA|VA)

Missouri (FHA|USDA|VA)

Arkansas (FHA|USDA|VA)

Texas (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
Similarity Rank: 136

Municipal Employees Credit Union of Oklahoma City
Similarity Rank: 208

SKYWARD
Similarity Rank: 240

Members Mortgage Services, L.L.C.
Similarity Rank: 264

PANHANDLE FEDERAL CREDIT UNION
Similarity Rank: 264

RED CROWN
Similarity Rank: 360

WEOKIE
Similarity Rank: 432

OKLAHOMA CENTRAL Credit Union
Similarity Rank: 450

MID AMERICAN
Similarity Rank: 500

First Oklahoma Mortgage, LLC
Similarity Rank: 540

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	1,111	$251,755,000	$226,602	$3,346	3.47%
FHA	56	$9,480,000	$169,286	$6,465	3.22%
USDA	23	$2,355,000	$102,391	$4,165	3.29%
VA	22	$5,470,000	$248,636	$6,423	3.10%

For 2021, Rcb Bank's most frequently originated type of loan was Conventional, with 1,111 originations. Their 2nd most popular type was FHA, with 56 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	783	$169,855,000	$216,928	$3,928	3.50%
Cash Out Refi	230	$43,820,000	$190,522	$3,248	3.14%
Refi	156	$50,390,000	$323,013	$3,009	3.61%
Home Improvement	25	$2,115,000	$84,600	$2,217	3.82%
Other	18	$2,880,000	$160,000	$3,172	3.30%

For 2021, Rcb Bank's most frequently cited loan purpose was Home Purchase, with 783 originations. The 2nd most popular reason was Cash Out Refi, with 230 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	738	$165,390,000	$224,106	$3,834	3.22%
15 Year	218	$38,490,000	$176,560	$3,253	3.34%
20 Year	104	$22,600,000	$217,308	$2,703	4.12%
Other	59	$9,495,000	$160,932	$1,798	4.36%
10 Year	41	$24,235,000	$591,098	$2,652	4.01%
1 Year	32	$6,310,000	$197,188	$4,532	4.52%
5 Year	20	$2,540,000	$127,000	$1,150	4.15%

For 2021, Rcb Bank's most frequently cited loan duration was 30 Year, with 738 originations. The 2nd most popular length was 15 Year, with 218 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	701	$154,395,000	$220,250
$1k-2k	142	$22,220,000	$156,479
$2k-3k	24	$6,720,000	$280,000
$3k-4k	13	$2,985,000	$229,615
$4k-5k	7	$2,925,000	$417,857
$5k+	4	$3,010,000	$752,500

Rcb Bank's average total fees were $3,834, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 701 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	511	$117,245,000	$229,442
2.5-3%	370	$88,830,000	$240,081
4-5%	257	$45,505,000	$177,062
<2.5%	55	$16,435,000	$298,818
5-6%	17	$905,000	$53,235
6-7%	2	$140,000	$70,000

During 2021, Rcb Bank's average interest rate for loans was 3.22%, while their most frequently originated rate bucket for loans was 3-4%, with 511 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	426	$62,450,000	$146,596	$3,499	3.48%
$200k-400k	363	$99,025,000	$272,796	$3,930	3.15%
$100,000 or less	301	$18,735,000	$62,243	$2,751	3.88%
$400k-600k	101	$48,225,000	$477,475	$4,540	3.01%
$1MM+	13	$34,995,000	$2,691,923	$9,543	4.01%
$600k-1MM	8	$5,630,000	$703,750	$4,901	3.73%

2021 saw Rcb Bank place emphasis on $100k-200k loans with 426 originations, totaling $62,450,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	223	$53,025,000	$237,780	$3,676	3.30%
$50k-75k	221	$34,755,000	$157,262	$3,466	3.25%
$50k or less	184	$18,770,000	$102,011	$3,264	3.45%
$75k-100k	178	$34,730,000	$195,112	$3,820	3.20%
$150k-250k	145	$39,745,000	$274,103	$3,719	3.29%
$250k+	72	$25,670,000	$356,528	$4,503	3.34%

Rcb Bank lent most frequently to those with incomes in the $100k-150k range, with 223 originations. The second most popular income band? $50k-75k, with 221 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	278	$57,120,000	$205,468	$3,695	3.19%
30-36%	202	$42,560,000	$210,693	$3,440	3.19%
<20%	151	$27,705,000	$183,477	$3,174	3.30%
42%	43	$9,865,000	$229,419	$3,722	3.37%
38%	40	$7,330,000	$183,250	$4,195	3.21%
36%	36	$6,710,000	$186,389	$3,951	3.19%
37%	35	$8,075,000	$230,714	$3,607	3.17%
39%	34	$7,160,000	$210,588	$3,854	3.20%
41%	32	$7,530,000	$235,313	$3,827	3.16%
40%	29	$6,145,000	$211,897	$3,048	3.26%
44%	28	$6,050,000	$216,071	$4,210	3.37%
43%	28	$6,070,000	$216,786	$4,044	3.21%
45%	17	$3,855,000	$226,765	$3,566	3.57%
47%	13	$2,775,000	$213,462	$3,473	3.05%
>60%	12	$710,000	$59,167	$899	4.35%
48%	11	$2,545,000	$231,364	$6,448	3.39%
50-60%	11	$2,405,000	$218,636	$4,195	4.03%
49%	10	$1,510,000	$151,000	$4,055	3.34%
46%	4	$980,000	$245,000	$3,577	3.52%

Rcb Bank lent most frequently to those with DTI ratios of 20-30%, with 278 originations. The next most common DTI ratio? 30-36%, with 202 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	843	$170,155,000	$201,845	$3,524	3.29%
Not applicable	164	$56,810,000	$346,402	$0	4.43%
American Indian	100	$19,820,000	$198,200	$4,341	3.30%
Not provided	51	$12,185,000	$238,922	$4,190	3.40%
Asian	29	$5,545,000	$191,207	$3,278	3.29%
Black	23	$4,025,000	$175,000	$4,063	3.36%
Native Hawaiian or Islander	1	$305,000	$305,000	$623	3.50%
Asian Indian	1	$215,000	$215,000	$0	3.86%

Approval Rates

Total approvals of all applications
91.22%

Rcb Bank has an average approval rate.

Pick Rate

Approvals leading to origination
78.55%

Rcb Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	1,212	$269,060,000	$221,997

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	1,212	$269,060,000	$221,997

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	49	$6,835,000	$139,490	$2,733	3.54%
40-60%	151	$26,355,000	$174,536	$3,132	3.44%
60-80%	482	$124,600,000	$258,506	$3,395	3.48%
80-100%	508	$109,290,000	$215,138	$3,993	3.39%
Over 100%	6	$1,410,000	$235,000	$11,966	3.55%
Under 20%	16	$570,000	$35,625	$1,566	4.03%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Rcb Bank	5101 S. Mill Pryor, OK 74361	Full Service B&M	$32,020
Rcb Bank	1001 West Rogers Skiatook, OK 74070	Full Service B&M	$86,818
Rcb Bank	101 North Sumner Oxford, KS 67119	Full Service B&M	$16,553
Rcb Bank	101 West Avenue A Hutchinson, KS 67501	Full Service B&M	$106,746
Rcb Bank	105 West Main Street Oilton, OK 74052	Full Service B&M	$18,570
Rcb Bank	10501 E. Berkeley Square Pkwy Wichita, KS 67206	Full Service B&M	$27,166
Rcb Bank	11 West Commercial Inola, OK 74036	Full Service B&M	$67,715
Rcb Bank	111 North Eleventh Street Collinsville, OK 74021	Full Service B&M	$91,691
Rcb Bank	11633 East 86th Street, North Owasso, OK 74055	Full Service B&M	$148,670
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	$47,609
Rcb Bank	12200 E. 96th Street Owasso, OK 74055	Full Service B&M	$54,875
Rcb Bank	1223 E Highland Ave Ponca City, OK 74601	Full Service B&M	$248,147
Rcb Bank	125 N. Summit Street Arkansas City, KS 67005	Full Service B&M	$127,242
Rcb Bank	1300 East Kenosha Broken Arrow, OK 74012	Full Service B&M	$73,920
Rcb Bank	1330 East 17th Street Hutchinson, KS 67501	Limited, Drive-thru	$1,069
Rcb Bank	1350 West Doolin Blackwell, OK 74631	Full Service B&M	$49,200
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	$31,397
Rcb Bank	1610 Main Street Winfield, KS 67156	Full Service B&M	$40,100
Rcb Bank	16461 North Pennsylvania Avenue Edmond, OK 73013	Full Service B&M	$11,790
Rcb Bank	1727 N Highway 66 Catoosa, OK 74015	Full Service B&M	$76,078
Rcb Bank	1902 E. 16th Street Wellington, KS 67152	Full Service B&M	$12,591
Rcb Bank	1905 East Ninth Winfield, KS 67156	Limited, Drive-thru	$1,504
Rcb Bank	201 South Cosden Shidler, OK 74652	Full Service B&M	$12,818
Rcb Bank	2019 North Summit Arkansas City, KS 67005	Limited, Drive-thru	$13,978
Rcb Bank	212 North Second Street Ponca City, OK 74601	Full Service B&M	$6,026
Rcb Bank	222 S.E. First Street Pryor, OK 74361	Full Service B&M	$267,054
Rcb Bank	2596 W Tecumseh Rd Norman, OK 73069	Full Service B&M	$20,565
Rcb Bank	27010 East 116th Street South Coweta, OK 74429	Full Service B&M	$12,088
Rcb Bank	2901 North 14th Street Ponca City, OK 74601	Full Service B&M	$173,351
Rcb Bank	300 North Harrison Cushing, OK 74023	Full Service B&M	$133,642
Rcb Bank	300 West Patti Page Boulevard Claremore, OK 74017	Full Service B&M	$506,176
Rcb Bank	3000 West Memorial Road, Suite 131 Oklahoma City, OK 73120	Full Service B&M	$11,498
Rcb Bank	305 South Forest Douglass, KS 67039	Full Service B&M	$26,912
Rcb Bank	324 South Duck Stillwater, OK 74074	Full Service B&M	$53,627
Rcb Bank	3300 W. 6th Street Lawrence, KS 66049	Full Service B&M	$10,382
Rcb Bank	3600 S Boulevard Edmond, OK 73013	Full Service B&M	$26,106
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	$63,244
Rcb Bank	4224 Se Adams Road Bartlesville, OK 74006	Full Service B&M	$29,358
Rcb Bank	5000 West Kenosha Broken Arrow, OK 74012	Full Service B&M	$71,809
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	$118,260
Rcb Bank	680 North Ridge Road Wichita, KS 67212	Full Service B&M	$23,340
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	$29,070
Rcb Bank	723 West Fourth Street Stroud, OK 74079	Full Service B&M	$16,392
Rcb Bank	7400 N Western Ave Oklahoma City, OK 73116	Full Service B&M	$109,682
Rcb Bank	800 Garth Brooks Blvd Yukon, OK 73099	Full Service B&M	$12,201
Rcb Bank	8411 East 21st Street Wichita, KS 67206	Full Service B&M	$11,440
Rcb Bank	855 West Covell Road Edmond, OK 73003	Full Service B&M	$12,092
Rcb Bank	900 Main Street Winfield, KS 67156	Full Service B&M	$176,404
Rcb Bank	909 W. Edmond Road Edmond, OK 73003	Full Service B&M	$55,540
Rcb Bank	Two Lake Road Ponca City, OK 74601	Limited, Drive-thru	$0

For 2021, Rcb Bank had 56 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$105,830
Net interest income	$98,083
Total noninterest income	$29,162
Gross Fiduciary activities income	$4,568
Service charges on deposit accounts	$7,944
Trading account gains and fees	$0
Additional Noninterest Income	$16,650
Pre-tax net operating income	$38,911
Securities gains (or losses, -)	$2,433
Income before extraordinary items	$39,613
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$39,613
Minority interest net income	$0
Net income	$39,613
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$37,277

Rcb Bank's gross interest income from loans was $105,830,000.
Rcb Bank's net interest income from loans was $98,083,000.
Rcb Bank's fee based income from loans was $7,944,000.
Rcb Bank's net income from loans was $39,613,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$7,747
Provision for credit losses	$1,269
Total noninterest expense	$87,065
Salaries and employee benefits	$51,205
Premises and equipment expense	$13,014
Additional noninterest expense	$22,846
Applicable income taxes	$1,731
Net charge-offs	$199
Cash dividends	$65,094

Rcb Bank's interest expense for loans was $7,747,000.
Rcb Bank's payroll and benefits expense were $51,205,000.
Rcb Bank's property, plant and equipment expenses $13,014,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	1.0%
Real Estate loans	1.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	1.0%
Multifamily residential loans	18.0%
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	$3,706,411
Deposits held in domestic offices	$3,706,411
Deposits by Individuals, partnerships, and corporations	$3,146,178
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$558,594
Deposits by Commercial banks and other depository institutions in U.S.	$1,639
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$1,598,613
Demand deposits	$1,598,613
Nontransaction accounts	$2,107,798
Money market deposit accounts (MMDAs)	$1,014,966
Other savings deposits (excluding MMDAs)	$541,777
Total time deposits	$551,055
Total time and savings deposits	$2,107,798
Noninterest-bearing deposits	$1,109,146
Interest-bearing deposits	$2,597,265
Retail deposits	$3,569,348
IRAs and Keogh plan accounts	$104,959
Brokered deposits	$20,088
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$4,129,644
Cash & Balances due from depository institutions	$965,873
Interest-bearing balances	$922,139
Total securities	$799,268
Federal funds sold & reverse repurchase	$5,311
Net loans and leases	$2,142,595
Loan and leases loss allowance	$26,654
Trading account assets	$0
Bank premises and fixed assets	$104,821
Other real estate owned	$1,425
Goodwill and other intangibles	$84,873
All other assets	$25,478

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$4,129,644
Total Liabilities	$3,753,075
Total deposits	$3,706,411
Interest-bearing deposits	$2,597,265
Deposits held in domestic offices	$3,706,411
% insured (estimated)	$92
Federal funds purchased and repurchase agreements	$25,809
Trading liabilities	$0
Other borrowed funds	$2,510
Subordinated debt	$0
All other liabilities	$18,345

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$2,142,595
Loan and leases loss allowance	$26,654
Total loans and leases (domestic)	$2,169,249
All real estate loans	$1,383,632
Real estate loans in domestic offices	$1,383,632
Construction and development loans	$105,692
Residential 1-4 family construction	$33,802
Other construction, all land development and other land	$71,890
Loans secured by nonfarm nonresidential properties	$706,460
Nonfarm nonresidential secured by owner-occupied properties	$360,602
Commercial real estate & other non-farm, non-residential	$345,858
Multifamily residential real estate	$69,861
1-4 family residential loans	$414,627
Farmland loans	$86,992
Loans held in foreign offices	$0
Farm loans	$53,122
Commercial and industrial loans	$138,184
To non-U.S. addressees	$0
Loans to individuals	$197,723
Credit card loans	$0
Related Plans	$74
Consumer Auto Loans	$87,903
Other loans to individuals	$109,746
All other loans & leases	$397,040
Loans to foreign governments and official institutions	$0
Other loans	$2,431
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$4,657
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 $2,142,595,000 of loans outstanding in 2021. $1,383,632,000 of loans were in real estate loans. $105,692,000 of loans were in development loans. $69,861,000 of loans were in multifamily mortgage loans. $414,627,000 of loans were in 1-4 family mortgage loans. $53,122,000 of loans were in farm loans. $0 of loans were in credit card loans. $87,903,000 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	875	$191,698	$219,083
Nonfarm, nonresidential loans - <$100k	227	$9,246	$40,731
Nonfarm, nonresidential loans - $100-250k	274	$33,816	$123,416
Nonfarm, nonresidential loans - $250k-1MM	374	$148,636	$397,422
Commercial & Industrial, US addressed loans - <$1MM	1,352	$82,888	$61,308
Commercial & Industrial, US addressed loans - <$100k	978	$21,764	$22,254
Commercial & Industrial, US addressed loans - $100-250k	227	$21,247	$93,599
Commercial & Industrial, US addressed loans - $250k-1MM	147	$39,877	$271,272
Farmland loans - <$1MM	375	$45,200	$120,533
Farmland loans - <$100k	152	$6,113	$40,217
Farmland loans - $100-250k	152	$19,143	$125,941
Farmland loans - $250k-1MM	71	$19,944	$280,901
Agriculture operations loans - <$1MM	561	$26,125	$46,569
Agriculture operations loans - <$100k	434	$8,636	$19,899
Agriculture operations loans - $100-250k	78	$7,349	$94,218
Agriculture operations loans - $250k-1MM	49	$10,140	$206,939