RCB Bank
RCB Bank is a privately held Oklahoma community bank founded in 1936, operating 55+ branches across Oklahoma and Kansas and offering consumer, business, agricultural, and wealth management banking products and services.
- Company typePrivate
- Founded1936
- HeadquartersClaremore, United States
- Headcount—
- GTM typeB2B and B2C
- OfferingServices
What RCB Bank does
RCB Bank is a privately held community bank founded in 1936 and headquartered in Claremore, Oklahoma. The bank operates 55+ branch and interactive teller machine (instaBank) locations across Oklahoma and Kansas, serving consumer, small-to-mid business, agricultural, and wealth management customer segments. Its product set spans checking, savings, money market accounts, CDs, IRAs, HSAs, consumer loans (auto, RV, boat, mortgage), business and agricultural lending, treasury services, corporate credit cards, and trust and wealth advisory services, including dedicated farm management. RCB Bank holds a state banking charter, is FDIC-insured, is an Equal Housing Lender, and is registered under NMLS #798151.
The bank's digital infrastructure includes online banking, iOS and Android mobile applications, mobile deposit, text banking, fraud alerts, card management tools, Tap to Pay debit cards, and 24/7 interactive teller machines. Technology integrations include Apple Pay, Samsung Pay, Google Pay, Quicken and QuickBooks Direct Connect, ClickSWITCH, and CardSwap. Corporate credit cards are issued through TCM Bank's platform, and CDARS is offered via Promontory Interfinancial Network. The bank's distribution model combines physical branches with relationship bankers operating specialty practices in treasury, trust, wealth advisory, farm management, and retirement planning, supplemented by self-service digital channels.
RCB Bank's revenue model is anchored on net interest income from lending activities across consumer, mortgage, commercial, and agricultural categories, fee income from deposit accounts and treasury services such as ACH, remote deposit, merchant card services, and digital lockbox, and asset management fees from its Trust and Wealth division. In 2026 the bank announced the acquisition of Investrust to expand wealth management capabilities, alongside new digital wallet support, a Tap to Pay debit offering, and an aggressive consumer loan pricing posture.
RCB Bank firmographics
Firmographics- Name
- RCB Bank
- Legal name
- RCB Bank
- Website
- https://rcbbank.com
- Company type
- Private
- Founded year
- 1936
- Operating status
- Operating
- Short description
- RCB Bank is a privately held Oklahoma community bank founded in 1936, operating 55+ branches across Oklahoma and Kansas and offering consumer, business, agricultural, and wealth management banking products and services.
- Ownership category
- akta.pro rank
Where RCB Bank is headquartered
LocationHeadquarters
- HQ city
- Claremore
- HQ country
- United States
- HQ region
- North America
Offices32 records
Markets served
RCB Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D
Revenue model
- Interest Income: RCB Bank earns interest income from lending activities including consumer loans (auto, mortgage, personal), business lending, agricultural loans, and commercial real estate loans. The bank offers promotional rates such as 4.23% APR on consumer auto loans.
- Deposit Account Fees: Monthly service charges, paper statement fees, overdraft fees, and transaction fees on checking and savings accounts. Business accounts have specific fee schedules based on average balance and transaction activity.
- Wealth Management and Trust Services: Asset management fees, trust services fees, and investment advisory services revenue through the Trust & Wealth division.
- Treasury and Cash Management Services: Fees for business services including ACH processing, remote deposit capture, merchant card services, digital lockbox, and online banking for businesses.
- Corporate Credit Card: RCB Bank offers corporate credit cards powered by TCM Bank, earning interchange fees and potentially share in rewards program economics.
- Farm and Ranch Management: Management fees for agricultural property management services including lease negotiation, commodity marketing, crop planning, and financial monitoring.
- Affiliates and Referrals: Partnership with TurboTax (Intuit) providing 10% discount to customers, generating referral fees or revenue share.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Consumer Auto Loan Promotion - 4.23% APR |
| Subscription | Monthly | Consumer Boat/RV Loan Promotion - 5.23% APR |
| Subscription | Monthly | Savings Account |
| Subscription | Monthly | Money Market Account |
| Subscription | Monthly | my Interest Rewards Checking |
| Subscription | Monthly | my Cashback Rewards Checking |
| Subscription | Annual | IRA Accounts |
| Subscription | Annual | Health Savings Account (HSA) |
| Subscription | Monthly | Business Checking |
| Subscription | Monthly | Corporate Credit Card |
Go-to-market motion3 records
Distribution channels7 records
Marketing channels7 records
RCB Bank product offering
Product offeringCore offering
RCB Bank is a community bank founded in 1936, headquartered in Claremore, Oklahoma. The bank provides personal and business banking, lending, and wealth management services to individuals and businesses across Oklahoma and Kansas through 55+ branch locations.
Product overview
RCB Bank offers a comprehensive banking platform providing personal and business banking products across Oklahoma and Kansas. The core banking offerings include checking accounts (with reward tiers like my Interest Rewards Checking at up to 5.00% APY and my Cashback Rewards Checking), savings accounts, money market accounts, CDs, IRAs, and HSAs. Lending products span consumer loans (with promotional auto rates as low as 4.23% APR), mortgages, business lending, agricultural lending, and farm/ranch management services. Digital banking capabilities include online banking, mobile banking apps, mobile deposit, text banking, fraud alerts, card management tools, Tap to Pay, and business treasury services. The bank operates 45+ branch locations with digital services like instaBank (ITM) for 24/7 access, and integrates with Apple Pay, Samsung Pay, Google Pay, Quicken, and QuickBooks for payment and accounting connectivity.
Differentiator
Problem solved
Functional benefit
Brands
- instaBank: RCB Bank's interactive teller machine (ITM) and remote banking service allowing 24/7 access to banking services through video chat with RCB Bankers.
Products and services
- Personal Banking
Quantifiable outcome
- Loan promotion rates as low as 4.23% APR for consumer auto loans
- +2 more outcomes
Companies that use RCB Bank
Customer profileSegments5 records
Ideal customer profiles2 records
RCB Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature9 records
RCB Bank partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered major, minor and core.
- InvestrustmajorRCB Bank announced acquisition of Investrust in July 2026. This represents a significant strategic expansion of RCB Bank's wealth management and trust capabilities, bringing additional expertise and resources to serve customers' investment and trust needs.
- Intuit (TurboTax)minorRCB Bank offers customers 10% off TurboTax federal products through an affiliate partnership. Customers can access the discount via turbotax.intuit.com with referral tracking from RCB Bank website.
- TCM BankcoreTCM Bank powers RCB Bank's Corporate Credit Card program. TCM Bank provides the card issuing infrastructure, online application processing through mycommunityccard.com, customer service (800.883.0131), and card management (EZ Business Online Portal).
- Apple PaycoreRCB Bank debit cards are compatible with Apple Pay, allowing customers to add their cards to Apple Wallet for secure contactless payments using Face ID or Touch ID authentication.
- Samsung PaycoreRCB Bank debit cards support Samsung Pay and Samsung Wallet, enabling customers to make mobile payments using supported Samsung devices with tokenization security.
- Google PaycoreRCB Bank debit cards can be added to Google Pay for contactless Android payments with security features including tokenization and biometric authentication.
- Promontory Interfinancial Network (CDARS)coreRCB Bank offers CDARS (Certificate of Deposit Account Registry Service) through partnership with Promontory Interfinancial Network, enabling FDIC insurance coverage beyond the standard $250,000 limit by placing deposits across multiple banks.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
RCB Bank competitors and assessment
Company assessmentDirect peers
- BOK Financial: Tulsa-headquartered bank holding company with deep Oklahoma presence and full consumer, commercial, wealth, and treasury product suite that closely overlaps RCB Bank's offering and footprint.
- Arvest Bank: Community/regional bank operating across Arkansas, Oklahoma, Kansas, and Missouri with similar full-service retail and business banking, mortgage, and wealth management capabilities.
- Intrust Bank: Wichita, Kansas-based community bank with consumer, commercial, wealth, and ag banking services that closely mirrors RCB's Kansas footprint and product breadth.
- BancFirst: Oklahoma's largest state-chartered commercial bank with a community-bank operating model, multi-city branch network, and comparable consumer, business, and ag lending focus.
- First Bank (Oklahoma): Oklahoma-based community bank providing personal, business, and ag lending products across multiple markets, directly comparable in size and operating model to RCB.
- Equity Bank: Kansas and Missouri community/regional bank with comparable consumer, business, mortgage, and wealth management products, competing directly with RCB in overlapping Kansas markets.
- F&M Bank (Oklahoma): Oklahoma community bank offering consumer and commercial banking with an agricultural lending focus, serving similar rural and small-town markets to RCB.
Broad incumbents
- Bank of America: National incumbent operating across consumer, small business, wealth, and treasury categories in RCB's core geographies, exerting competitive pressure on deposits, loans, and digital banking.
- JPMorgan Chase: National full-service bank with extensive presence across RCB's OK and KS markets; competes across consumer, business, mortgage, and wealth categories with greater resources and digital scale.
Regional players
- Prosperity Bank: Texas-headquartered community/regional bank with growing Oklahoma presence; comparable consumer and small business banking model, though primary footprint is in adjacent geographies.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
RCB Bank compliance and trust
Trust signalCompliance3 records
RCB Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
RCB Bank leadership team
Management profileNumber of profiles
RCB Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
RCB Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
RCB Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about RCB Bank
What does RCB Bank do?
RCB Bank is a community bank founded in 1936, headquartered in Claremore, Oklahoma. The bank provides personal and business banking, lending, and wealth management services to individuals and businesses across Oklahoma and Kansas through 55+ branch locations.
Is RCB Bank a public or private company?
RCB Bank is a private company. It is classified as unknown and is currently operating.
When was RCB Bank founded?
RCB Bank was founded in 1936.
Where is RCB Bank based?
RCB Bank is headquartered in Claremore, United States, in the North America region.
How does RCB Bank make money?
Seven revenue lines are on record. Interest Income is the primary driver. The others are deposit Account Fees, wealth Management and Trust Services, treasury and Cash Management Services, corporate Credit Card, farm and Ranch Management and affiliates and Referrals.
Who are RCB Bank's main competitors?
Direct peers on record are BOK Financial, Arvest Bank, Intrust Bank, BancFirst, First Bank (Oklahoma), Equity Bank and F&M Bank (Oklahoma). Broad incumbents are Bank of America and JPMorgan Chase. Prosperity Bank is listed as a regional player.
Does RCB Bank have an API?
No public API is recorded for RCB Bank.