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 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% 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

    1,212

    Origination Dollar Volume (All Markets)

    $269,060,000

    Employee count

    736

    Awards

    RCB Bank 30 Year Conventional Loans gold RCB Bank FHA Loans bronze RCB Bank USDA Loans bronze
    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