RCB Bank

What RCB Bank does

RCB Bank is a privately held community bank founded in 1936 and headquartered in Claremore, Oklahoma, serving personal, business, and agricultural customers across 65 locations in 36 cities throughout Oklahoma and Kansas. The bank reports approximately $4.1–$4.2 billion in total assets and employs an estimated 501–1,000 staff. It is a Member FDIC institution operating as an Equal Housing Lender under NMLS #798151, with no disclosed parent company or private equity/venture backing.

The bank offers a full-service retail and commercial product suite spanning deposit products (checking, savings, CDs, CDARS, IRAs, HSAs, money market accounts), lending (mortgage, consumer/auto loans, business lending, business leasing, agricultural and land loans), payments and treasury services (ACH, wire/RemitPlus Express, remote deposit capture, digital lockbox, merchant card services), and wealth management (trust and fiduciary, investment services, asset management). Distribution combines a physical branch network with digital channels including online banking, a mobile banking app, text banking, bill pay, interactive teller machines (RCB instaBank/ITM), and card-management tools. Technology is standard community-banking infrastructure supported by third-party integrations such as Apple Pay, Samsung Pay, Quicken/QuickBooks Direct Connect, Deluxe for checks, and a TurboTax referral relationship; no proprietary technology or public API was identified.

Revenue mechanics follow a traditional banking model: net interest income from consumer, mortgage, commercial and agricultural lending; interest-spread and fees from deposit accounts; transaction and service fees (overdraft, ATM, wire, merchant services); and recurring fee income from trust, fiduciary and investment services. Advertised pricing includes consumer auto loans as low as 4.23% APR (5.23% APR for boats/RVs/ATVs/motorcycles) and a "my Interest Rewards Checking" account paying up to 5.00% APY on balances up to $10,000 when monthly requirements are met. The bank has grown primarily through acquisition, having absorbed Home National Bank (2010), CornerBank (2016), and Oklahoma State Bank (2021).

Name

RCB Bank

Legal name

RCB Bank

Website

https://rcbbank.bank

Company type

Private

Founded year

1936

Operating status

Operating

Headcount range

501–1,000 employees

Short description

RCB Bank is a private, FDIC-member community bank founded in 1936 with roughly $4.1 billion in assets and 65 branches across Oklahoma and Kansas, serving individuals, small-to-mid-size businesses, and agricultural customers with deposit, lending, treasury, and wealth-management services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Community banking
• Commercial lending
• Agricultural lending
• Wealth management services
• Treasury management

Headquarters

HQ city

Claremore

HQ country

United States

HQ region

North America

Offices15 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income: Traditional banking revenue from interest earned on loans including consumer loans, mortgages, business loans, agricultural loans, and commercial lending.
2. Deposit Services: Fees and interest spread from checking accounts, savings accounts, CDs, money market accounts, and business deposit accounts.
3. Fee-Based Services: Service fees including overdraft fees, ATM fees, wire transfer fees, merchant card services, and other banking service charges.
4. Wealth Management: Asset management, trust and fiduciary services, and investment services providing recurring fee income.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

RCB Bank is a community bank that provides deposit products (checking, savings, CDs, IRAs, HSAs), consumer and commercial lending (mortgages, auto/boat/RV loans, business and agricultural loans, equipment leasing), credit cards, treasury and cash management services (ACH, Remote Deposit Capture, Digital Lockbox, merchant card services), and wealth management services (trust, fiduciary, investment, and asset management) to individual consumers, small and mid-size businesses, and agricultural operations across Oklahoma and Kansas.

Product overview

RCB Bank is a $4.1 billion community bank offering a comprehensive suite of personal and business banking products across 65 locations in Kansas and Oklahoma. The bank's portfolio includes core deposit products (checking, savings, CDs, IRAs, HSAs), lending solutions (mortgage, consumer loans, business lending, agricultural lending, land management), and wealth management services (trust, fiduciary, and investment services). Digital banking capabilities encompass mobile and online banking, card management tools, merchant services, treasury services, and payment solutions including ACH, wire transfers, and Remote Deposit Capture. The bank also provides specialized products like CDARS for expanded FDIC coverage, various rewards checking accounts (my Interest Rewards Checking, my Cashback Rewards Checking), and innovative services like instaBank ITMs for extended teller access. All products are backed by Member FDIC insurance and Equal Housing Lender designation.

Differentiator

Problem solved

Functional benefit

Products and services

• my Interest Rewards Checking Interest-bearing personal checking account that rewards customers with up to 5.00% APY on balances up to $10,000 when monthly reward requirements are met. Balances above $10,000 or unmet requirements earn 0.01% APY. Minimum $100 balance required to earn the disclosed APY.
• my Cashback Rewards Checking Personal checking account that provides cashback rewards on qualifying transactions when monthly requirements are met.
• my Easy Checking Basic checking account with a monthly service fee and standard banking features for everyday financial needs.
• my Senior Checking Checking account designed for senior customers with specific reward requirements and fee structures.
• Kids Checking Checking account for individuals under age 18, requiring a parent or guardian as joint owner or custodian.
• Business Checking Commercial checking account with transaction limits, fee structures, ACH capabilities, and merchant services for business banking needs.
• Business Interest Interest-bearing business checking account with an earnings credit to reduce account charges based on average collected balance.
• Business Money Market Business savings account with variable rates, balance and transaction limits, and FDIC insurance coverage.
• CDs (Certificates of Deposit) Term deposit accounts with fixed interest rates and FDIC insurance, available in various terms for personal and business customers.
• CDARS Certificate of Deposit Account Registry Service allowing customers to place deposits across multiple banks while maintaining FDIC insurance coverage up to $250,000 per depositor.
• IRAs (Individual Retirement Accounts) Tax-advantaged retirement savings accounts including Traditional IRAs, Roth IRAs, and SEP IRAs with contribution limits revised annually by the IRS.
• HSAs (Health Savings Accounts) Tax-advantaged accounts for individuals with high-deductible health plans, allowing pre-tax contributions for qualified medical expenses.
• Mortgage Residential mortgage lending including home purchase loans, refinancing, home equity lines of credit, and construction financing with online application and status tracking.
• Consumer Loans Personal loans including title-secured vehicles, boats, RVs, and ATVs with promotional rates as low as 4.23% APR for qualified borrowers.
• Business Lending Commercial loans and credit facilities for business expansion, equipment purchase, working capital, and other corporate financing needs.
• Business Leasing Equipment and asset leasing solutions for businesses to acquire machinery, vehicles, and other capital items.
• Ag Lending (Farm & Ranch Loans) Specialized agricultural lending products for farmers and ranchers including operating loans, equipment financing, and real estate loans.
• Land Management Specialized lending and banking services for land acquisition, development, and management for agricultural and commercial purposes.
• Credit Card RCB Bank credit card products offering purchasing power with fraud protection and rewards programs.
• Corporate Credit Card Credit card solutions for business clients with corporate spending controls and expense management features.
• Trust & Fiduciary Services Estate planning, trust administration, and fiduciary services to help customers manage and transfer wealth.
• Investment Services Wealth management and investment advisory services to help customers achieve financial goals.
• Asset Management Professional asset management services for individuals and businesses seeking investment portfolio management.
• Treasury Services Cash management and treasury services including balance reporting, payment processing, and liquidity management for business clients.
• RemitPlus Express International and domestic wire transfer services enabling customers to send money globally.
• ACH Credit/Debit Services Automated Clearing House services for batch processing of electronic credit and debit transactions for businesses.
• Remote Deposit Capture Mobile check deposit service allowing business customers to scan and deposit checks remotely using mobile devices.
• Digital Lockbox Electronic lockbox services for businesses to receive, process, and manage payments efficiently with automated posting.
• Merchant Card Services Payment processing services for merchants to accept credit and debit card transactions.
• Mobile Banking App Mobile application enabling customers to access banking services, manage accounts, deposit checks, pay bills, and transfer funds from smartphones and tablets.
• Online Banking Internet banking platform providing account access, bill pay, fund transfers, statement viewing, and account management features.
• Tap to Pay Visa Debit Card Contactless debit card enabled with NFC technology for secure tap-to-pay transactions at participating merchants.
• RCB instaBank (ITM) Interactive Teller Machine offering 24/7 self-service banking with video chat capability to connect with tellers during extended hours for deposits, withdrawals, and transactions.
• Bank Anywhere Multi-channel banking access combining online, mobile, phone, and in-branch services for convenient account management.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Partnerships

Two partnerships are on record, tiered minor.

• UnitedHealthcare, UMR and HealthSCOPE BenefitsminorOthersThird-party administrators providing health insurance transparency in coverage machine-readable files on behalf of RCB Bank.
• TurboTax (Intuit)minorGTM or Marketing PartnerMarketing partnership offering RCB Bank customers 10% off TurboTax federal products. Customers can access TurboTax through RCB Bank website referral links.

Scale indicators3 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• BancFirst: Oklahoma's largest state-chartered commercial bank with extensive branch network across Oklahoma. Closely comparable to RCB's Oklahoma operations with similar community banking approach and commercial lending focus.
• Simmons Bank: Arkansas-headquartered regional bank with operations across multiple Southern and Midwestern states. Similar community banking model with personal, business, and ag lending; previously Bank of the Ozarks, comparable M&A-driven growth strategy.
• BOK Financial: Oklahoma-headquartered regional bank with significant commercial, consumer, and wealth management operations across multiple states. Closest large-bank peer operating in the same primary market with comparable community banking approach and product mix.
• Great Southern Bank: Regional community bank headquartered in Missouri with operations across multiple Midwest and Southern states. Comparable in business model with retail banking, commercial lending, and wealth management services, and similar size profile.
• Arvest Bank: Arkansas-headquartered regional bank operating across Arkansas, Oklahoma, Missouri, and Kansas. Directly comparable community banking model with consumer, business, and mortgage lending focus in overlapping geography.
• Intrust Bank: Kansas-headquartered community bank providing personal, business, and wealth management services. Direct competitor in Wichita and other Kansas markets with similar community bank positioning, comparable scale, and overlapping product offering.
• Equity Bank: Kansas and Oklahoma community bank offering personal, business, and ag lending services. Direct peer with overlapping geographic footprint and similar community bank positioning, including dedicated agricultural lending capabilities.
• Commerce Bank: Kansas/Missouri-based regional bank with full-service personal, business, and wealth offerings. Comparable in scale to RCB and serves overlapping KS markets with similar deposit, lending, and treasury services portfolio.

Broad incumbents

• UMB Financial Corporation: Kansas City-headquartered diversified financial services company with commercial banking, wealth management, and payment services. Operates across KS/OK region with broader product set than RCB and serves as incumbent peer.

Regional players

• Prosperity Bank: Texas-headquartered regional bank with operations extending into Oklahoma. Comparable community banking model with personal, business, and wealth management services, though primarily serves Texas markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/rcb-bank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about RCB Bank