STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
122
2010–2026
Total Volume
$44M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
122 total segments
RCB Bank has a strong focus on 504 loans, with 22% of their SBA deals in this category, which is above the national average of 18%. This indicates they are well-equipped to handle real estate and expansion financing, making them a good choice for businesses looking to invest in property or equipment.
With an average 7(a) spread of P+2.12%, RCB Bank offers competitive pricing compared to the national median of P+2.75%. This lower spread can save borrowers money over the life of the loan, making RCB Bank an attractive option for financing.
The lender's growth trend shows a decline of 14% year-over-year, which may indicate a tightening in lending capacity. Borrowers should be prepared for potentially stricter approval processes or lower loan amounts as the bank adjusts its strategy.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 27 504 loans, which use fixed SBA debenture rates.
States where RCB Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Physician & Dental Offices
Health Care & Social Assistance
Restaurants & Food Service
Accommodation & Food Services
Other Health Practitioners
Health Care & Social Assistance
Real Estate
Real Estate
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Auto Dealers & Parts
Retail Trade
Retail Trade
Retail Trade
+ 7 more
All recorded SBA lending activity for RCB Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Oklahoma · Physician & Dental Offices · $500K – $1M | 7(a) | 5 | P+1.50% | $629K | Q2 2017 |
| Oklahoma · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+2.25% | $199K | Q2 2015 |
| Kansas · Restaurants & Food Service · Under $150K | 7(a) | 5 | P+1.50% | $90K | Q1 2023 |
| Oklahoma · Physician & Dental Offices · $150K – $350K | 7(a) | 5 | P+1.75% | $252K | Q1 2017 |
| Oklahoma · Physician & Dental Offices · $350K – $500K | 7(a) | 4 | P+2.38% | $456K | Q1 2012 |
| Kansas · Manufacturing · Under $150K | 7(a) | 3 | P+1.25% | $117K | Q3 2021 |
| Kansas · Other Health Practitioners · Under $150K | 7(a) | 3 | P+2.45% | $56K | Q4 2022 |
| Kansas · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+1.50% | $118K | Q1 2018 |
| Kansas · Building Construction · Under $150K | 7(a) | 2 | P+0.80% | $75K | Q3 2022 |
| Kansas · Manufacturing · $150K – $350K | 7(a) | 2 | P+1.75% | $180K | Q3 2021 |
| Kansas · Manufacturing · $500K – $1M | 7(a) | 2 | P+1.63% | $896K | Q3 2021 |
| Kansas · Real Estate · Under $150K | 7(a) | 2 | P+2.25% | $125K | Q1 2012 |
| Oklahoma · Other Health Practitioners · $150K – $350K | 7(a) | 2 | P+1.75% | $204K | Q2 2017 |
| Oklahoma · Auto Repair & Maintenance · $150K – $350K | 7(a) | 2 | P+3.00% | $225K | Q2 2014 |
| Oklahoma · Other Repair & Services · Under $150K | 7(a) | 2 | P+2.38% | $88K | Q3 2025 |
| Oklahoma · Agriculture & Forestry · Under $150K | 7(a) | 2 | P+1.75% | $88K | Q4 2015 |
| Oklahoma · Manufacturing · Under $150K | 7(a) | 2 | P+2.00% | $88K | Q2 2016 |
| Oklahoma · Wholesale Trade · $150K – $350K | 7(a) | 2 | P+0.88% | $228K | Q3 2017 |
| Oklahoma · Retail Trade · Under $150K | 7(a) | 2 | P+2.63% | $60K | Q2 2013 |
| Oklahoma · Real Estate · $150K – $350K | 7(a) | 2 | P+3.00% | $348K | Q4 2010 |
| Oklahoma · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+2.50% | $72K | Q4 2021 |
| Oklahoma · Arts, Entertainment & Recreation · $1M – $2M | 7(a) | 2 | P+2.88% | $1.5M | Q1 2016 |
| Kansas · Manufacturing · $150K – $350K | 504 | 2 | — | $181K | Q2 2018 |
| Oklahoma · Manufacturing · $150K – $350K | 504 | 2 | — | $249K | Q1 2014 |
| Oklahoma · Retail Trade · $150K – $350K | 504 | 2 | — | $166K | Q3 2015 |
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