FHD

RCB HOLDING CO

Legal name: RCB HOLDING COMPANY, INC.

1 active bank · 5 merged/absorbed · $4.1B combined assets

RSSD ID: 1130584 (FFIEC NIC)

Combined Assets

$4.1B

CRA Rating Summary

Satisfactory1charter

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$4.1B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$3.6B

Net Income

$14M

ROA (avg)

1.4%

asset-weighted avg

Tier 1 Capital (avg)

asset-weighted avg

Aggregated HMDA data across all active charters for 2024.

Applications

846

Origination Rate

71.28%

Denial Rate

10.28%

Each charter is examined independently for CRA compliance. Legacy entities were merged or absorbed during corporate consolidation.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
RCB BANK	CLAREMORE, OK	FDIC	$4.1B	100.0%	Satisfactory	Dec 2008
CENTRAL BANK AND TRUST CO.Merged 2019	HUTCHINSON, KS	FDIC	$304M	—	Satisfactory	Jun 2018
PIONEER BANK AND TRUSTMerged 2007	PONCA CITY, OK	FDIC	$211M	—	Satisfactory	Sep 1995
BANK OF NICHOLS HILLSMerged 2006	OKLAHOMA CITY, OK	FDIC	$136M	—	Satisfactory	Aug 1997
AMERICAN BANK OF PRYORMerged 1996	PRYOR, OK	FDIC	$92M	—	Outstanding	Mar 1995
BANK OF INOLAMerged 1998	BROKEN ARROW, OK	FDIC	$31M	—	Satisfactory	Jan 1995

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.