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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Oklahoma, the state note

RCB Bank

Claremore, Oklahoma · $3.98B in assets · beside the 11 other the Southwest banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

17.2%
CRE / loans
2nd of 12
87.3%
CRE / capital
3rd of 12
65.1%
Efficiency
9th of 12

RCB Bank is the seventh largest of the 12 the Southwest banks nearest its size between $3B and $10B, with $3.98B in assets at 30 June 2026. Loans are 65.6% of deposits, 6th of 12 against a median of 66.7%, and equity is 11.9% of assets, 5th of 12. Loans grew -1.0% in the year, 9th of 12, and deposits fell 0.5%; the cohort's median loan growth is +2.2%.

Noncurrent loans are 0.94% of the book, 6th of 12 against a median of 0.95%; 0.03% is 30 to 89 days past due, and the allowance covers them 1.1 times. Net charge-offs are 0.11% of loans, 9th of 12. Commercial real estate is 17.2% of loans, 2nd of 12 against a median of 44.7%, and 87% of capital, below the 300% screen, with construction at 37% against the 100% screen.

Return on assets is 1.47%, 8th of 12 against a median of 1.58%, on an efficiency ratio of 65.1%, 9th of 12. Five years ago it was 1.12%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansSouthwest banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 44.7% TE Texas Exchange Bank 13.3% RB RCB Bank 17.2% CC Cornerstone Capital Bank SSB 20.5% AB Austin Bank Texas N.A. 26.8% VN Verabank National Association 31.6% FN First National Bank Texas 41.6% TB Texas Bank & Trust Co. 47.9% LS Lone Star National Bank 53.7% IB International Bank of Com 56.9% WB Weststar Bank 57.7% IN Inwood National Bank 64.0% MB Monet Bank 64.6%
Loans, year over yearSouthwest banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +2.2% CC Cornerstone Capital Bank SSB +67.5% MB Monet Bank +18.5% WB Weststar Bank +9.5% FN First National Bank Texas +6.9% LS Lone Star National Bank +4.0% IB International Bank of Com +2.7% IN Inwood National Bank +1.7% AB Austin Bank Texas N.A. +0.7% RB RCB Bank -1.0% VN Verabank National Association -1.5% TB Texas Bank & Trust Co. -1.7% TE Texas Exchange Bank -23.7%

SBA 7(a), FY2008 to FY2026

RCB Bank is the 32nd largest 7(a) lender into Oklahoma of 358, with $27M across 70 loans, 0.6% of everything approved in the state (Bancfirst leads with $793M). 19 of its 22 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Oklahoma, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Oklahoma, OK$11M14th of 1721.1%quiet FY2019
Sedgwick, KS$5M27th of 1280.8%-1.9 pts
Kay, OK$3M4th of 248.9%quiet FY2017
Delaware, OK$2M7th of 302.5%quiet FY2018
Mayes, OK$2M6th of 254.5%quiet FY2014
Craig, OK$2M3rd of 148.8%quiet FY2018
Garvin, OK$2M8th of 236.3%quiet FY2010
Reno, KS$2M11th of 314.5%quiet FY2011
Cleveland, OK$1M31st of 880.7%quiet FY2017
Douglas, NE$1M83rd of 1450.1%quiet FY2022
Johnson, KS$1M103rd of 1850.1%quiet FY2009
Tulsa, OK$1M94th of 1590.1%quiet FY2015
Canadian, OK$1M24th of 650.9%quiet FY2010
9 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance23$9M23.5%0.02%412th of 2,172
Manufacturing14$5M13.6%0.01%686th of 2,246
Retail trade14$5M12.5%0.01%763rd of 2,589
Accommodation & food services13$4M11.7%0.01%880th of 2,596
Arts, entertainment & recreation6$4M9.8%0.03%431st of 1,656
7(a) lenders into Oklahoma, share of approvals since FY2008358 lenders on record; the ten largest and RCB Bank
B Bancfirst 18.4% $793M · 2,102 loans FO First Oklahoma Bank 5.8% $251M · 291 loans LO Live Oak Banking Company 5.8% $250M · 177 loans AB Arvest Bank 5.0% $213M · 780 loans SB Security Bank 3.0% $130M · 261 loans FU First United Bank and Trust Compa… 2.6% $114M · 174 loans FP First Pryority Bank 2.0% $84M · 184 loans RB Regent Bank 1.7% $74M · 162 loans PB Peoples Bank and Trust Company 1.7% $73M · 59 loans GP Great Plains National Bank 1.6% $67M · 204 loans RB RCB Bank 0.6% $27M · 70 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
RCB BankRankCohort median
Total CRE against capital, the 300% screen87%3rd of 12157%
Construction against capital, the 100% screen37%3rd of 1256%
Construction and land development, share of loans7.3%1st of 1211.1%
Non-owner-occupied nonfarm nonresidential, share of loans9.0%2nd of 1224.1%
Total CRE, the guidance definition, share of loans17.2%2nd of 1244.7%
CRE growth over 36 months, the third prong-17.8%1st of 12+22.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First National Bank Texas$4.64B1.2%84.5%1.23%0.83%1.3%55.8%6.7%
Verabank National Association$4.58B1.6%57.9%0.96%0.10%1.2%69.6%11.4%
International Bank of Com$4.56B1.7%38.5%9.17%0.11%2.5%40.2%12.7%
Texas Exchange Bank$4.49B0.6%95.2%0.00%0.00%1.4%26.2%8.2%
Texas Bank & Trust Co.$4.34B1.6%54.7%0.61%0.01%1.2%91.5%12.9%
Inwood National Bank$4.26B1.6%38.2%0.37%0.41%0.9%67.7%11.6%
RCB Bank$3.98B1.5%65.1%0.94%0.11%1.1%65.6%11.9%
Cornerstone Capital Bank SSB$3.67B0.1%89.0%3.62%0.07%0.6%110.0%10.8%
Austin Bank Texas N.A.$3.33B2.1%51.3%0.60%0.05%1.5%89.3%15.1%
Lone Star National Bank$3.28B1.4%63.1%1.06%0.02%1.2%61.5%11.7%
Weststar Bank$3.28B2.3%47.0%0.00%-0.01%1.0%88.6%11.7%
Monet Bank$3.16B4.2%20.6%25.76%-4.13%1.5%49.8%31.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
RCB BankCohort median
20212026Change20212026Change
Loans$2.12B$2.29B+8%$1.44B$2.39B+66%
Deposits$3.37B$3.49B+3%$2.40B$3.19B+33%
NPA / loans1.35%0.94%-0.40 pts0.46%0.95%+0.49 pts
Efficiency65.6%65.1%-0.5 pts56.3%56.3%-0.1 pts
ROA1.12%1.47%+0.35 pts1.41%1.58%+0.17 pts

This read was prepared for RCB Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on RCB Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Southwest banks $3B to $10B
Institution www.rcbbank.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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