RCB Bank

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.

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

Headquarters

HQ city

Claremore

HQ country

United States

HQ region

North America

Offices32 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. 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.
3. Wealth Management and Trust Services: Asset management fees, trust services fees, and investment advisory services revenue through the Trust & Wealth division.
4. 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.
5. Corporate Credit Card: RCB Bank offers corporate credit cards powered by TCM Bank, earning interchange fees and potentially share in rewards program economics.
6. Farm and Ranch Management: Management fees for agricultural property management services including lease negotiation, commodity marketing, crop planning, and financial monitoring.
7. Affiliates and Referrals: Partnership with TurboTax (Intuit) providing 10% discount to customers, generating referral fees or revenue share.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels7 records

Core 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

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature9 records

Partnerships

Seven partnerships are on record, tiered major, minor and core.

• InvestrustmajorStrategic or Co-development Partner · 1 July 2026RCB 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)minorGTM or Marketing PartnerRCB 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 BankcoreTechnology or IntegrationTCM 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 PaycoreTechnology or IntegrationRCB 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 PaycoreTechnology or IntegrationRCB Bank debit cards support Samsung Pay and Samsung Wallet, enabling customers to make mobile payments using supported Samsung devices with tokenization security.
• Google PaycoreTechnology or IntegrationRCB 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)coreTechnology or IntegrationRCB 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

Direct 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

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

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