Rcb Bank (FDIC #15399): Bank Stress & Real-Estate Credit Exposure
Rcb Bank (FDIC Cert #15399): bank stress 54/100, moderate, STABLE over 7 days; parent RCB HOLDING CO INC.
Rcb Bank (#15399) lends in 21 counties across 2 states; Rcb Bank (#15399) reaches 357 ZIP codes: Oklahoma 14 counties, 225 ZIPs; Kansas 7 counties, 132 ZIPs.
Rcb Bank (#15399) largest markets: Oklahoma County, OK (385 branches, 55 ZIPs) (#15399), Sedgwick County, KS (156 branches, 52 ZIPs) (#15399), Tulsa County, OK (215 branches, 43 ZIPs) (#15399), Cleveland County, OK (23 branches, 23 ZIPs) (#15399), Osage County, OK (44 branches, 22 ZIPs) (#15399), Reno County, KS (88 branches, 22 ZIPs) (#15399).
Rcb Bank (#15399) reports $3.98 billion in total assets; Rcb Bank (#15399) equity $473.4 million (11.9% of Rcb Bank (#15399) assets); Rcb Bank (#15399) domestic deposits $3.49 billion; Rcb Bank (#15399) net income $29.7 million; Rcb Bank (#15399) return on assets 1.47%; Rcb Bank (#15399) return on equity 12.68%; Rcb Bank (#15399) net interest income $71.6 million; Rcb Bank (#15399) call report June 30, 2026.
Rcb Bank (#15399) noncurrent real-estate loans 0.16% of its book; Rcb Bank (#15399) residential 0.34%; Rcb Bank (#15399) net charge-offs on real estate 1.63%; Rcb Bank (#15399) multifamily charge-offs 4.92%; Rcb Bank (#15399) residential charge-offs 2.85%.
Rcb Bank (#15399) net interest margin 3.82% against an eight-quarter Rcb Bank (#15399) average of 3.50% (Rcb Bank (#15399) compression -0.32 points); Rcb Bank (#15399) real-estate loans 15.6% of equity; Rcb Bank (#15399) non-residential real estate 285.0% of equity; Rcb Bank (#15399) rate-exposure score 40/100, Rcb Bank (#15399) fixed-rate trap 40/100; Rcb Bank (#15399) risk type credit driven; Rcb Bank (#15399) rate regime rates elevated, Rcb Bank (#15399) snapshot October 19, 2026.
Rcb Bank (#15399) stress score moved from 55.7 on June 22, 2026 to 54.5 on October 20, 2026; Rcb Bank (#15399) ranged 54.5 to 55.7 over 117 snapshots.
Rcb Bank (#15399) alerts: 21 counties; top Rcb Bank (#15399) alert scores: Afton County, OK 19 (low); Bartlesville County, OK 19 (low); Caney County, OK 19 (low); Coweta County, OK 19 (low); Douglass County, OK 19 (low).