RCB Bank is proud to announce that Gloria Ulbrich will be honored by the Kansas Bankers Association (KBA) as a recipient of the prestigious 50-Year Club Award. This recognition celebrates Gloria’s remarkable five decades of service. Her leadership and dedication have strengthened community banking across Kansas.

The Kansas Bankers Association 50-Year Club Award honors individuals who have dedicated fifty years or more to the banking profession. This distinction recognizes exceptional service, leadership and commitment to advancing community banking across Kansas. Inductees represent the highest standards of integrity and professionalism in the industry.

Gloria’s career exemplifies a lifetime commitment to strengthening local communities through banking excellence. Her contributions have left an enduring impact on customers, colleagues and the industry as a whole.

At RCB Bank, we believe our greatest strength lies in our employees. We are committed to fostering a culture of integrity, service and growth — celebrating employees like Gloria who exemplify these values and make a lasting difference in the communities we serve.

RCB Bank is a community bank with locations across Kansas and Oklahoma. Founded in 1936, RCB Bank is committed to serving its communities with conservative banking practices and progressive banking products. Learn more at RCBbank.bank or give us a call at 855.BANK.RCB. Member FDIC, Equal Housing Lender, NMLS #798151

Fraud attempts are on the rise, and scammers are getting more creative every day. At RCB Bank, your security is our top priority. Below are some important reminders to help keep your personal and financial information safe.

We Will Never Call and Ask for Your Personal Information
Scammers are posing as bad actors of legitimate companies. One recurring scam we have identified is an increase in individuals posing as RCB Bank representatives and informing customers of alleged fraudulent activity to obtain sensitive information, such as login credentials, granting unauthorized access to accounts.

If you receive a phone call asking for your Social Security Number, full debit card number or other sensitive information, it is not us. We already have your information on file and will never ask you to provide it over the phone.

If you’re unsure whether a call is legitimate, hang up and call us directly at 855-226-5722.

Do Not Click on Suspicious Links – Check the Communication Thoroughly
Fraudsters often send emails or text messages with links that look legitimate but lead to fake websites. Clicking these links can expose your personal information or install malware on your device.
If you are not expecting a message or if when you hover over it, it looks unusual, do not click on it. Go directly to the company’s official website by typing the address into your browser.

Fraudulent emails and texts also often have subtle linguistic and formatting clues that can help you spot them. Excessive or unusual punctuation, poor grammar or awkward phrasing, urgent or threatening tones and inconsistent branding are all signs of fraudulent communications. Only click on links from sources that you can verify. If it feels wrong, it most likely is.

Debit Card Safety
Your debit card is a direct link to your account. Keep it safe by doing the following:

• Never share your PIN or card details with anyone.

• Monitor your account regularly for unauthorized transactions.
• Set up alerts for purchases and withdrawals.

Verify Websites Before You Enter Any Information
When searching online for a company, take precautions in ensuring you are on their verified website. Scammers often create fake websites that look like the real thing.

• Always check the web address (URL). Official sites typically start with “https://” and may end in trusted domains like “.gov” for government websites or “.bank” for financial institutions.

• Avoid clicking on advertisements or sponsored links when searching—type the official site address directly or use bookmarks of verified sites.
• Look for spelling errors or unusual layouts, which can be signs of a fake site.

Continue Education
Fraud tactics change constantly. Stay informed by visiting our Security Center or by following updates from trusted sources like the Federal Trade Commission (FTC). The more you are aware of evolving fraud tactics, the safer you will be.

If something feels off, trust your instincts. Contact us immediately at 855-226-5722 if you suspect fraud or have questions about your account.

Prompt Reporting: If you feel you have fallen for a scam or suspect your accounts or identity have been compromised, report the incident immediately. RCB Bank customers can contact us at 855-226-5722 during business hours Monday – Friday 8:00 a.m. – 6:00 p.m. excluding Federal Holidays or visit the RCB Bank Security Center website for detailed information. Need to contact RCB Bank Fraud Department on the weekend? Contact us at 877-361-0814 Saturday 8:00 a.m. – 4:00 p.m. CST or Sunday 8:00 a.m. – 12:00 p.m. CST (excluding Federal Holidays).

Contact other reliable sources such as the FBI and file a complaint at ic3.gov to contribute to efforts against these fraudulent activities.

Opinions expressed above are the personal opinions of the author and meant for generic illustration purposes only. RCB Bank, Member FDIC.

The holiday season is a time for joy, celebration and generosity—but it can also be a time of financial stress if spending gets out of control. With rising costs and endless temptations, it’s easy to overspend. The good news? A little planning can help you enjoy the season without breaking the bank.

Start with a Clear Budget
Before you shop, decide how much you can afford to spend overall. Factor in gifts, travel, food, decorations and any additional activities. A good rule of thumb is to never spend more than you can pay off in full by January. This prevents lingering debt that can overshadow the new year.

Make a List—and Stick to It
Impulse purchases are the leading cause of overspending. Write down everyone you plan to buy for and set a spending limit for each person. Use apps or spreadsheets to track your progress and stay accountable to your budget.

Prioritize Experiences Over Things
Memories often matter more than material gifts. Consider low-cost traditions like baking cookies, hosting a potluck get-together or going to see Christmas lights together. These experiences can be more meaningful and are easier on your wallet.

Shop Smart
Take advantage of sales, but don’t let discounts lure you into buying things you don’t need. Compare prices online, use cashback apps and consider buying in bulk for holiday meals or décor.

Plan for Hidden Costs
Don’t forget shipping fees, gift wrap and last-minute outings. Build a small cushion into your budget for these extras so they don’t derail your plans.

Avoid Credit Card Traps
If you plan to use credit cards, stick to your defined budget and make it a priority to pay them off quickly. Delaying payment can result in interest charges that turn a holiday deal into a costly mistake.

Start Saving Early for Next Year
Once the holidays are over, set up a dedicated savings account for next year’s festivities. Even small monthly contributions can make a big difference when December rolls around again.

Still have questions?
Talk with an RCB Bank Banker or Wealth Advisor today. Visit the website RCBbank.bank or call 855.226.5722.

The opinions expressed above are the personal opinions of the author and meant for generic illustration purposes only. RCB Bank. Member FDIC. 

When you’re shopping for a mortgage, you may come across the term “mortgage points” or “discount points.” These can be a smart way to lower your interest rate and save money over the life of your loan, but they’re not always the right choice for everyone. Here’s what you need to know.

What Are Mortgage Points?

Mortgage points are fees you pay upfront to your lender at closing in exchange for a lower interest rate on your loan.

How Do They Work?

When you buy points, you will have:

• Higher upfront cost at closing
• Lower monthly payments for the life of the loan
• Potential long-term savings, especially if you plan to stay in the home for many years

The question to ask yourself: Will you keep the loan long enough to recoup the cost of the points? This is called the break-even point—the time it takes for your monthly savings to equal what you paid upfront.

When Does It Make Sense to Pay for Points?

Buying points can be a smart move if:

• You plan to stay in your home for a long time
• You have extra cash available at closing
• You want to reduce your monthly payment and total interest

It may not make sense if:

• You expect to sell or refinance in a few years
• You’re short on cash for closing costs
• You’d rather use funds for other expenses like home improvements

Ready to explore your options?
Contact one of our Mortgage Representatives today to assist you in meeting your homeownership goals!

Opinions expressed above are the personal opinions of the author and meant for generic illustration purposes only. For specific questions regarding your personal lending needs, please call RCB Bank at 855-BANK-RCB. With approved credit. Terms, qualifications and other restrictions apply. Member FDIC, Equal Housing Lender. RCB Bank NMLS #798151.

An outstanding achievement was recently announced when Janis Reeser, OBA director of education, and Kathryn Ivey, OBA Compliance School Board chair, named Compliance Analyst Amy Gorey and Compliance Analyst Hunter Smith as the two “Honors Graduates” representing the 2025 class at the OBA Compliance School.

Out of a class of 64 students from banks across Oklahoma, Amy and Hunter were chosen for the Compliance School honors by the school’s regents, staff, faculty and students in August of 2025. They were presented with the Honors Graduate plaques on November 24 at 1:30 p.m. at the RCB Bank Corporate office in Claremore, memorializing their outstanding work on the school’s case studies and their contributions to class discussions.

To be named as an honor graduate is an accomplishment in itself, but for both graduates to come from the same bank is a rarity and speaks volumes about the quality of RCB Bank’s employees.

Amy Gorey and Hunter Smith, both Compliance Analysts at RCB Bank, joined the Compliance department in Claremore on the same day in November 2024. Amy joined RCB Bank in August 2022 as a Customer Experience Specialist, later promoting to a position in Quality Assurance before transitioning to her current role. In addition to working full time, Amy is pursuing an education in Business Administration and expects to graduate with her bachelor’s degree in December 2026. In her current role as Compliance Analyst, Amy serves as the lead for marketing reviews and oversees the bank’s compliance document change management system and library.

Hunter joined RCB Bank in February 2023 as a Customer Experience Specialist, later promoting to a Customer Experience Specialist II before transitioning to his current role in Compliance. Hunter serves as the lead for vendor management review and oversees the bank’s Fair Credit Reporting Act (FCRA) dispute process. Hunter stays current with new and changing compliance laws and regulations, providing monthly updates to senior and executive management.

Both Amy and Hunter conduct Compliance Reviews, Compliance Risk Assessments, consulting and other special projects as needed. Their drive to provide value and deliver quality work is evident daily.

The Compliance School, held annually, equips bank employees with the knowledge and skills required to navigate the complex landscape of laws and regulations governing bank lending and deposit operations.

In recognition of their achievement, Amy and Hunter will serve as advisory board members for one year, contributing to the planning and curriculum of next year’s compliance school. This opportunity aligns with their career goals and showcases RCB Bank’s commitment to fostering leadership within its ranks.

RCB Bank is a community bank with locations across Oklahoma and Kansas. Founded in 1936, RCB Bank is committed to serving its communities with conservative banking practices and progressive banking products. Learn more at RCBbank.bank or give us a call at 855.BANK.RCB. Member FDIC, Equal Housing Lender, NMLS #798151

Grant VanOrsdol originally joined RCB Bank in 2023 as a teller and was quickly promoted to Customer Service Representative (CSR). We are proud to announce his promotion to Retail Coordinator. In this role, Grant supports tellers and other CSRs, ensuring customers receive exceptional service while maintaining the highest standards of bank policy and procedure.

While he always aspired to work in a professional environment, the idea of joining the financial industry wasn’t initially on his radar. Once a teller position became available, Grant decided to take a chance—and it turned out to be a rewarding decision. “After I was hired, I realized that RCB Bank was just the place for me,” Grant recalls. “The family atmosphere and support that RCB Bank provides is next to none.”

Professionally, Grant is driven by a commitment to bringing new business and customers to the bank, ensuring each one receives attentive, timely and professional service. He also strives to maintain smooth and efficient operations within the market, contributing to the overall success of the organization. For Grant, going above and beyond for customers and maintaining a positive attitude are essential parts of the job—values that align well with RCB Bank’s mission and culture.

Outside of his professional life, Grant enjoys long walks with his dog, skiing, traveling and spending quality time with friends and family. In both his personal and professional life, Grant believes in the power of perseverance. When faced with challenges, his approach is simple: keep moving forward.

Looking ahead, Grant’s primary goal over the next five years is to complete his degree at Oklahoma State University. He is committed to working hard and making the most of every opportunity to learn, knowing that continued education will help advance his career. His mindset is clear—give 100%, 100% of the time.

GET IN TOUCH
Grant VanOrsdol
Retail Coordinator
417 S. Perkins Rd., Stillwater, OK 74074
405.742.4852 | [email protected]

RCB Bank is a community bank with locations across Oklahoma and Kansas. Founded in 1936, RCB Bank is committed to serving its communities with conservative banking practices and progressive banking products. Learn more at RCBbank.bank or give us a call at 855.BANK.RCB. Member FDIC, Equal Housing Lender, NMLS #798151.

Hutchinson, KS – Andrew Kroeker brings six years of farm management experience to his new role as an Agricultural Loan Officer, with a deep understanding of the highs and lows of the farming industry. He is excited to support farmers and ranchers in creating successful and sustainable operations—through both the good times and the tough ones.

Andrew joined RCB Bank in August 2025, drawn to its mission of serving the community and helping customers thrive. “My impression of working at RCB Bank has been nothing but positive,” Andrew shared. “The people are wonderful from the top down, and the atmosphere is genuine.”

Andrew is motivated by building lasting relationships, helping customers navigate challenges and playing a small part in keeping farms strong for the next generation. He also likens good business to farming—emphasizing the importance of timing, care and patience in cultivating success. These perspectives reveal a thoughtful, grounded approach to leadership and decision-making.

Outside of his professional life, Andrew serves on the board of his church and the McPherson County Extension Executive Board. He enjoys staying active through golf, volleyball and pickleball—sports that have been a meaningful part of his life since childhood. He cherishes time with his wife, Caitlin, and the two are overjoyed at the arrival of their first child. Their energetic Blue Heeler, Bandit, has taken on the role of vigilant guardian.

Andrew’s goal is to serve RCB Bank’s existing clients with excellence while cultivating new, long-term relationships founded on trust and reliability. He focuses on being genuine, consistent and responsive so customers know they can rely on him, a mission he pursues with both professionalism and heart. He looks forward to making meaningful contributions to both RCB Bank and the wider community.

GET IN TOUCH
Andrew Kroeker
Loan Officer

NMLS # 2757930

700 E. 30^th Ave., Hutchinson, KS 67502

620.860.7737 | [email protected]

RCB Bank is a community bank with locations across Oklahoma and Kansas. Founded in 1936, RCB Bank is committed to serving its communities with conservative banking practices and progressive banking products. Learn more at RCBbank.bank or give us a call at 855.BANK.RCB. Member FDIC, Equal Housing Lender, NMLS #798151.

Norman, OK – Hannah Dailey recently joined the team as a Treasury Services Representative, where she supports both new and existing clients with online treasury solutions designed to help their businesses grow and operate efficiently. With over 15 years of experience in the banking industry, Hannah has developed a deep understanding of various banking functions—from her early days as a teller to roles in operations, commercial lending and treasury management.

Her career began at the teller line, eventually leading to a promotion into the commercial loan department. She later transitioned into Treasury Management at another financial institution, where she spent several years before being promoted to Note Operations Manager within the credit division. Although she gained valuable experience in credit, Hannah discovered her true passion lies in Treasury Services and she has remained dedicated to this field ever since.

Hannah’s journey to RCB Bank was sparked by a recommendation from a friend. From her very first interview, she felt a strong connection to the Bank’s values and culture. Though she’s only been with RCB Bank for a few weeks, she already describes it as feeling like home. She believes RCB Bank to be a humble institution that genuinely prioritizes its customers over profits or empty promises.

Known for her upbeat attitude and strong work ethic, Hannah prides herself on delivering exceptional customer service. Her clients often describe her as quick, fun and efficient—qualities she brings to every interaction as she builds trust and goes above and beyond to meet their needs.

Outside of work, Hannah enjoys spending time with her husband, Jordan, and their two boys. Family time is a priority, and she values the balance between her professional growth and personal life.

Looking ahead, Hannah aspires to grow into a leadership role, overseeing larger projects and implementations. She is also preparing to take the Certified Treasury Professional (CTP) exam to further enhance her expertise and career development.

GET IN TOUCH
Hannah Dailey
Treasury Services Representative

3151 W. Tecumseh Rd., Ste. 200, Norman, OK 73072

405.463.5917 | [email protected]

RCB Bank is a community bank with locations across Oklahoma and Kansas. Founded in 1936, RCB Bank is committed to serving its communities with conservative banking practices and progressive banking products. Learn more at RCBbank.bank or give us a call at 855.BANK.RCB. Member FDIC, Equal Housing Lender, NMLS #798151.

Claremore, OK – Carson Draeger has been promoted to Loan Officer at RCB Bank, bringing a deep commitment to customer service. Carson began her professional career as a credit analyst with RCB Bank after graduating from the University of Central Oklahoma with a degree in Finance. She credits RCB Bank with giving her the foundation to launch her career and is proud to continue growing within the organization.

Born and raised in Chelsea, Oklahoma, Carson has a deep appreciation for her community. Carson describes RCB Bank as family-oriented and deeply supportive of the communities it serves. She has enjoyed witnessing the growth in her hometown and values being part of a bank that invests in that progress.

She recently celebrated a summer wedding with her husband and enjoys spending time outdoors—whether that means hiking, swimming, playing pickleball or simply enjoying good food. She jokes that most of her favorite activities come with the risk of sunburn. To unwind after work, she makes time for exercise, which helps her recharge and find balance outside the office.

Faith plays a central role in Carson’s life, shaping her decisions and guiding her interactions with others. Her commitment extends into her community as well, where she actively serves in her local church as a Sunday school teacher and small group leader for teenage girls. For several years, she has also dedicated her time as a volunteer softball coach at the local school.

Looking ahead, Carson strives to remain teachable in every stage of her career. She is committed to personal and professional growth and credits her mentors for providing guidance, encouragement, and wisdom that have helped shape her path.

GET IN TOUCH
Carson Draeger
Loan Officer
NMLS # 2748430
511 W. Will Rogers Blvd., Claremore, OK 74017
918.342.7399 | [email protected]

RCB Bank is a community bank with locations across Oklahoma and Kansas. Founded in 1936, RCB Bank is committed to serving its communities with conservative banking practices and progressive banking products. Learn more at RCBbank.bank or give us a call at 855.BANK.RCB. Member FDIC, Equal Housing Lender, NMLS #798151.

Broken Arrow, OK – Starting her journey in banking at 19 as a part-time teller while navigating college, Julie’s dedication and passion for banking soon led her to a full-time position. Now, with a mix of customer-facing and back-office roles, from deposits to corporate compliance, Julie is ready for her new role at RCB Bank.

Julie had her initial exposure working on loans when she transitioned to the Loan Department as a Loan Administrative Assistant, where she worked closely with many lenders at the bank. Her career then took her to the corporate offices, where she excelled as a Compliance Analyst. Julie is now returning to the branch world as a Mortgage Outreach Specialist.

Being fluent in Spanish and English along with her diverse background across various bank departments, Julie is an asset to RCB Bank’s Mortgage Department. Known for her exceptional ability to create and maintain friendly relationships with customers and coworkers, she is always ready to tackle any project.

When she is not at work, Julie enjoys spending time with her dog, Bloom. She believes in investing time in herself and her loved ones to maintain a healthy work-life balance. She is driven by her competitive nature and a desire to set higher standards, giving her fulfillment in assisting others in difficult situations. Fairness and accountability are the principles guiding her in daily decisions.

Over the next five years, Julie aims to continue her professional development at RCB Bank with a primary focus on continuing to grow with the bank and making a positive impact. Julie’s journey is a testament to her dedication, adaptability and commitment to excellence in the banking industry.

Julie feels incredibly fortunate to have found RCB Bank as her first major job, which has significantly shaped her career. She values the relationships she has built across various departments and roles within the bank.

GET IN TOUCH
Julie Escobedo

Mortgage Outreach Specialist

NMLS #2626820

1300 E. Kenosha St., Broken Arrow, OK 74012

918.259.1309 | [email protected]

Apply Now

RCB Bank is a community bank with locations across Oklahoma and Kansas. Founded in 1936, RCB Bank is committed to serving its communities with conservative banking practices and progressive banking products. Learn more at RCBbank.bank or give us a call at 855.226.5722. Member FDIC, Equal Housing Lender, NMLS #798151.

When shopping for a mortgage, understanding the Annual Percentage Rate (APR) is essential to grasping the true cost of your loan. While the interest rate tells you how much you’ll pay each year to borrow the principal, the APR goes further by including not just the interest, but also most fees and other charges associated with the loan, such as origination fees, closing costs and mortgage insurance. Both are expressed as percentages, but APR is almost always higher because it reflects the total annual cost of borrowing, not just the base interest.

The distinction matters because lenders may advertise low interest rates to attract borrowers, but these rates don’t account for the extra costs that can significantly impact your total payment. The APR provides a standardized way to compare offers from different lenders, ensuring you’re not caught off guard by hidden fees or charges down the road. Thanks to federal regulations, lenders are required to disclose the APR, making it a reliable metric for side-by-side comparisons.

When comparing two loans with the same interest rate but different APRs, the loan with the lower APR will generally cost you less over time, assuming you keep the loan for its full term. However, if you plan to refinance or sell your home early, the APR may not fully capture your actual cost, as some fees are spread over the life of the loan.

Understanding APR empowers you to make informed decisions and select the mortgage that best fits your financial goals.

Contact one of our Mortgage Representatives today to assist you in meeting your homeownership goals!

Opinions expressed above are the personal opinions of the author and meant for illustration purposes only. For specific questions regarding your personal lending needs, please call RCB Bank at 855-BANK-RCB. With approved credit. Terms, qualifications and other restrictions apply. Member FDIC, Equal Housing Lender, RCB Bank NMLS #798151.

Sources: 

1. https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-loan-interest-rate-and-the-apr-en-733/
2. https://ask.fdic.gov/fdicinformationandsupportcenter/s/article/Q-What-is-annual-percentage-rate-APR?language=en_US
3. https://thebusinessprofessor.com/annual-percentage-rate-explained/

Property taxes are a significant part of homeownership, directly influencing your monthly expenses and long-term financial planning. Here’s what homeowners need to know about how these taxes are calculated, collected and paid-especially when a mortgage is involved.

Property taxes are determined by multiplying your home’s assessed value by the local tax rate. The assessed value is set by a government assessor and may differ from your home’s market value. Local governments set the tax rate, often expressed per $1,000 of assessed value and this rate can change annually based on budgets and revenue needs. Exemptions or deductions, such as those for primary residences or veterans, can reduce your taxable value.

For most homeowners with a mortgage, property taxes are paid through an escrow account managed by the lender. Here’s how it works: your lender estimates your annual property tax bill, divides it by 12 and adds that amount to your monthly mortgage payment. Each month, the lender deposits this portion into your escrow account. When your property tax bill is due, the lender pays it directly from this account, ensuring timely payments and helping you avoid large lump-sum bills.

This system is especially common if your down payment was less than 20% or if you have a government-backed loan (like FHA or VA). In some cases, if you have significant equity, you may be allowed to pay property taxes directly instead of through escrow.

Contact one of our Mortgage Representatives today to assist you in meeting your homeownership goals!

Opinions expressed above are the personal opinions of the author and meant for illustration purposes only. For specific questions regarding your personal lending needs, please call RCB Bank at 855-BANK-RCB. With approved credit. Terms, qualifications and other restrictions apply. Member FDIC, Equal Housing Lender, RCB Bank NMLS #798151.

Sources: 

1. https://www.experian.com/blogs/ask-experian/are-property-taxes-included-in-mortgage/
2. https://smartasset.com/mortgage/property-taxes-included-in-mortgage-payments
3. https://smartasset.com/taxes/property-taxes
4. https://www.consumerfinance.gov/ask-cfpb/what-is-an-escrow-or-impound-account-en-140/

Homeowner’s insurance is a crucial safeguard for both your investment in your home and the lender’s financial interest when you have a mortgage. This insurance provides a financial safety net against unexpected events such as fire, theft, storms and other covered perils, ensuring that you are not left to bear the full cost of repairs or rebuilding on your own. In addition to protecting the physical structure, homeowner’s insurance covers your personal belongings and offers liability protection if someone is injured on your property or if you inadvertently cause damage to others.

For most homeowners with a mortgage, insurance is not optional. Lenders require proof of coverage to protect their investment and many integrate the insurance premium into your monthly mortgage payment through an escrow account. This arrangement simplifies your finances by combining principal, interest, taxes and insurance into a single payment. The lender then pays your insurance premium directly when it’s due, helping you avoid lapses in coverage.

Homeowner’s insurance is not the same as mortgage insurance; it is designed to protect your property and belongings, not just the lender’s risk. Even after your mortgage is paid off, maintaining coverage is strongly recommended to protect your home-the largest investment most people ever make.

Contact one of our Mortgage Representatives today to assist you in meeting your homeownership goals!

Opinions expressed above are the personal opinions of the author and meant for illustration purposes only. For specific questions regarding your personal lending needs, please call RCB Bank at 855-BANK-RCB. With approved credit. Terms, qualifications and other restrictions apply. Member FDIC, Equal Housing Lender, RCB Bank NMLS #798151.

Sources:

1. https://www.allstate.com/resources/home-insurance/do-you-need-homeowners-insurance
2. https://www.moneygeek.com/insurance/homeowners/is-homeowners-insurance-included-in-mortgage/
3. https://www.consumerfinance.gov/ask-cfpb/what-is-homeowners-insurance-why-is-homeowners-insurance-required-en-162/
4. https://www.cbsnews.com/news/first-time-homeowners-guide-to-home-insurance-coverage/
5. https://www.travelers.com/home-insurance/coverage
6. https://www.experian.com/blogs/ask-experian/is-homeowners-insurance-included-in-mortgage/

Homebuyers in 2025 face a challenging landscape: home prices are expected to keep rising, though at a slower pace, and mortgage rates remain elevated, hovering near 7%. Inventory is improving but still below balanced market levels and affordability remains a top concern for many Americans. While waiting for a dramatic drop in prices or rates is unlikely to pay off, there are practical strategies buyers can use to navigate these conditions.

First, consider expanding your search to markets with more inventory or where prices are stabilizing or even declining. Some regions, such as parts of Texas and Florida, are seeing price drops due to increased supply, while others-especially in the Northeast-continue to experience price growth. Flexibility on location could yield better value.

Second, explore mortgage options beyond the traditional 30-year fixed loan. Adjustable-rate mortgages (ARMs) or shorter-term loans may offer lower initial rates, which could be advantageous if you expect rates to fall in the coming years or plan to refinance. Additionally, many builders are offering incentives, including rate buydowns or price reductions, which can help offset higher borrowing costs.

Lastly, strengthen your financial profile. A higher down payment, improved credit score and pre-approval can make you a more attractive buyer and potentially secure better loan terms. In a competitive market, being ready to act quickly is essential.

Contact one of our Mortgage Representatives today to assist you in meeting your homeownership goals!

Opinions expressed above are the personal opinions of the author and meant for illustration purposes only. For specific questions regarding your personal lending needs, please call RCB Bank at 855-BANK-RCB. With approved credit. Terms, qualifications and other restrictions apply. Member FDIC, Equal Housing Lender, RCB Bank NMLS #798151.

Sources:

1. https://www.forbes.com/advisor/mortgages/real-estate/housing-market-predictions/
2. https://www.pbs.org/newshour/economy/will-2025-be-a-better-year-to-buy-a-house-heres-what-experts-predict
3. https://www.fanniemae.com/newsroom/fannie-mae-news/higher-mortgage-rates-likely-keep-existing-home-sales-near-multi-decade-lows
4. https://247wallst.com/personal-finance/2025/04/17/housing-bubble-or-bust-whats-next-for-home-prices-in-2025/

Claremore, OK – Catherine Woldridge brings over four decades of experience in community outreach and social services to RCB Bank. Renowned for her dedication to community engagement and successful fundraising for local non-profits, Catherine is a trusted leader. Her passion and experience make her an invaluable asset to the RCB Bank team and community.

Catherine’s early life was shaped by international experiences, as her family lived abroad due to her parents’ work. Returning to the United States for high school, she later earned a Bachelor of Science in Family Relations and Child Development from Oklahoma State University. In 1997, she married Roger Woldridge, and together they are active members of Cedar Point Church, participating in ministries that serve local youth and families. Their blended family includes eight grandchildren and they enjoy spending quality time with them.

Professionally, Catherine began her career with the Department of Human Services in Tulsa, focusing on family services and managing the licensing of childcare facilities. After retiring in 2014, she joined United Way, ultimately overseeing programs across multiple counties. In 2025, she transitioned to a part-time role at RCB Bank, where she continues her passion for community involvement.

Catherine values strong communication and is known for her approachable and solution-oriented nature. She enjoys connecting people to resources and solving community challenges. When asked why she chose RCB Bank, Catherine states, “The supportive environment at RCB Bank and the opportunity to continue learning have made this new chapter especially rewarding, allowing me to balance meaningful work with family life.”

GET IN TOUCH
Catherine Woldridge
Community Outreach Coordinator

300 W. Patti Page Blvd., Claremore, OK 74017

918.342.7219 | [email protected]

RCB Bank is a community bank with locations across Oklahoma and Kansas. Founded in 1936, RCB Bank is committed to serving its communities with conservative banking practices and progressive banking products. Learn more at RCBbank.bank or give us a call at 855.BANK.RCB. Member FDIC, Equal Housing Lender, NMLS #798151.

In today’s unpredictable world, an emergency fund is a cornerstone of financial security for every family. An emergency fund is a dedicated pool of savings set aside specifically for unexpected expenses like medical bills, urgent car repairs or sudden job loss preventing reliance on high-interest credit cards or loans in a crisis. This financial buffer not only helps you manage surprises but also provides peace of mind, knowing you’re prepared for life’s uncertainties.

How to Calculate Your Emergency Fund 

The standard recommendation is to save three to six months’ worth of essential living expenses. Start by listing your monthly necessities: housing, utilities, groceries, insurance and transportation. Multiply this total by the number of months you want to cover. For example, if your monthly expenses are $3,000, aim for $9,000 to $18,000 in your emergency fund. Households with variable incomes, dependents or higher medical costs should consider saving toward the higher end of this range.

Building and Replenishing Your Fund 

Building an emergency fund can feel daunting, but starting small makes it manageable. Begin with a modest goal, such as $500 or $1,000 and gradually increase your savings. Set up a budget to identify areas where you can cut costs and redirect those savings into your funds. Automating transfers to a separate, easily accessible account, like a high-yield savings or money market account, ensures steady growth and reduces the temptation to spend. If you need to use your emergency fund, replenish it by continuing your savings habits and, if possible, supplementing your income through side jobs or selling unused items.

Why It’s Essential 

An emergency fund acts as your financial safety net, shielding you from debt and stress when unexpected expenses arise. In uncertain times, it’s not just about surviving financial shocks, it’s about maintaining stability and protecting your family’s future.

Do you still have questions? Talk with an RCB Bank Banker or Wealth Advisor today.

The opinions expressed above are the personal opinions of the author and meant for generic illustration purposes only. RCB Bank. Member FDIC. 

Sources 

1. https://www.moneyfit.org/setting-up-emergency-funds-in-january-2025/
2. https://www.compoundrealestatebonds.com/blog/emergency-fund-basics-how-much-you-really-need
3. https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/emergency-fund-tips
4. https://www.getsmarteraboutmoney.ca/calculators/emergency-fund-calculator/

Managing family debt effectively is essential for financial stability and peace of mind. With the right strategies, households can reduce the burden of high-interest balances, streamline payments and steadily improve their credit scores.

Consolidating Debt for Simplicity and Savings 

Debt consolidation is a practical option for families juggling multiple high-interest debts, such as credit cards or personal loans. By combining these debts into a single loan ideally with a lower interest rate, families can simplify their monthly payments and potentially save money on interest over time. However, it’s important to research options carefully, as consolidation loans may come with fees and require good credit to secure the best rates.

Paying Down High-Interest Balances First 

Prioritizing debt payments is key to reducing overall costs. The “debt avalanche” method involves focusing extra payments on the highest interest debts while maintaining minimum payments on others. This approach minimizes interest paid and accelerates debt payoff. Alternatively, the “debt snowball” method targets the smallest balances first, providing quick wins and motivation to continue.

Improving Household Credit Scores 

Boosting credit scores is a gradual process that hinges on consistent, responsible financial habits. Paying all bills on time, keeping credit card balances low (ideally below 30% of the credit limit) and avoiding unnecessary new credit inquiries are crucial steps. Regularly reviewing credit reports for accuracy and maintaining older credit accounts can also help improve scores over time.

By following these practical steps, families can take control of their debt, reduce financial stress and build a stronger credit profile for the future.

Do you still have questions? Talk with an RCB Bank Banker or Wealth Advisor today.

The opinions expressed above are the personal opinions of the author and meant for generic illustration purposes only. RCB Bank. Member FDIC. 

Sources

1. https://smartasset.com/debt/strategies-for-properly-managing-debt
2. https://debthelper.com/debt-management-tips/
3. https://www.experian.com/blogs/ask-experian/how-debt-consolidation-can-improve-your-credit/
4. https://www.ourfamilywizard.com/blog/9-debt-management-strategies-co-parents
5. https://www.incharge.org/debt-relief/debt-consolidation/consolidate-debt-without-hurting-credit/
6. https://www.equifax.com/personal/education/debt-management/articles/-/learn/what-is-debt-consolidation/
7. https://jayhawkfinances.ku.edu/managing-credit

Toll tag text fraud is on the rise, targeting unsuspecting drivers across the United States. Scammers send fraudulent text messages claiming unpaid tolls and demanding immediate payment to avoid penalties. These messages often include links leading to phishing websites designed to steal personal and financial information, such as credit card details or driver’s license numbers. Authorities, including the FBI and Federal Trade Commission (FTC), have issued warnings about this deceptive practice, urging vigilance among consumers. [1] [2] [3]

The scam typically creates urgency, threatening late fees or legal consequences if payment isn’t made promptly. This tactic aims to pressure recipients into acting without verifying the legitimacy of the message. However, legitimate toll agencies like TxTag and PikePass confirm they do not use text messages for payment requests. Instead, they communicate through official channels such as email or their websites. [1] [4] [5]

To protect yourself, avoid clicking on suspicious links or sharing personal information via text. Verify any toll charges directly with your toll agency using trusted contact details. Additionally, report fraudulent texts to authorities, such as the FTC’s Report Fraud website or your local law enforcement agency. Deleting these messages after reporting is also recommended. [2] [5]

As toll scams continue to evolve, staying informed and cautious is essential. By recognizing red flags and following safety measures, you can safeguard your identity and finances against these increasingly common schemes. [1] [3] [6]

Prompt Reporting: If you feel you have fallen for a scam or suspect your accounts or identity have been compromised, report the incident immediately. RCB Bank customers can contact us at 855-226-5722 during business hours Monday – Friday 8:00 a.m. – 6:00 p.m. excluding Federal Holidays or visit the RCB Bank Security Center website for detailed information. Need to contact RCB Bank Fraud Department on the weekend? Contact us at 877-361-0814 Saturday 8:00 a.m. – 4:00 p.m. CST or Sunday 8:00 a.m. – 12:00 p.m. CST (excluding Federal Holidays).

Contact other reliable sources such as the FBI and file a complaint at ic3.gov to contribute to efforts against these fraudulent activities.

Opinions expressed above are the personal opinions of the author and meant for generic illustration purposes only. RCB Bank, Member FDIC.

Sources

[1] https://www.nbcdfw.com/news/local/txtag-toll-bill-text-scam-how-to-report/3778955/

[2] https://consumer.ftc.gov/consumer-alerts/2024/05/text-about-overdue-toll-charges-probably-scam

[3] https://consumer.ftc.gov/consumer-alerts/2025/01/got-text-about-unpaid-tolls-its-probably-scam

[4] https://www.txdot.gov/about/newsroom/statewide/2024/txdot-warning-drivers-of-spike-in-texting-scams-targeting-txtag-customers.html

[5] https://www.oklahoman.com/story/business/finance/2025/02/20/oklahoma-toll-text-scam-what-to-know-fastrak-e-z-pay/79304833007/

[6] https://www.usatoday.com/story/money/2025/03/05/toll-road-text-scam/81651486007/

Account takeover (ATO) attacks have evolved significantly in the age of automation, posing a growing threat to individuals and organizations alike. Automation tools, powered by artificial intelligence (AI) and machine learning (ML), now enable cybercriminals to scale their operations, bypass traditional defenses and execute sophisticated attacks with minimal effort. [1]

One prevalent technique is credential stuffing, where attackers use automated tools to test millions of stolen usernames and passwords across multiple platforms. Newer AI and ML tools allow bad actors to target over 140 platforms, including email providers, e-commerce sites and financial institutions. These tools often include modules for bypassing security measures such as CAPTCHA, making them highly effective. Additionally, emerging technologies like deep-fake based social engineering further complicated detection by mimicking legitimate user behavior. [2] [3]

Defending against ATO attacks requires adaptive strategies. Multi-factor authentication (MFA), session monitoring and identity verification (IDV) are critical components of modern defense systems. These measures help reduce the attack surface by adding layers of security to account recovery processes and login protocols. Furthermore, regular security training and awareness programs can mitigate risks associated with phishing and social engineering. [4]

As attackers refine their methods, businesses and individuals must remain proactive in adopting advanced security technologies. The continuous evolution of ATO defense strategies underscores the need for vigilance in protecting sensitive data and maintaining trust in digital ecosystems.

Prompt Reporting: If you feel you have fallen for a scam or suspect your accounts or identity have been compromised, report the incident immediately. RCB Bank customers can contact us at 855-226-5722 during business hours Monday – Friday 8:00 a.m. – 6:00 p.m. excluding Federal Holidays or visit the RCB Bank Security Center website for detailed information. Need to contact RCB Bank Fraud Department on the weekend? Contact us at 877-361-0814 Saturday 8:00 a.m. – 4:00 p.m. CST or Sunday 8:00 a.m. – 12:00 p.m. CST (excluding Federal Holidays).

Contact other reliable sources such as the FBI and file a complaint at ic3.gov to contribute to efforts against these fraudulent activities.

Opinions expressed above are the personal opinions of the author and meant for generic illustration purposes only. RCB Bank, Member FDIC.

Sources:

[1] https://www.sentinelone.com/cybersecurity-101/threat-intelligence/the-ultimate-guide-to-preventing-account-takeover-attacks/

[2] https://idramp.com/account-takeover-attack-ato-defense-a-guide-to-protecting-your-company/

[3] https://www.crossclassify.com/resources/articles/the-anatomy-of-account-takeover/

[4] https://perception-point.io/guides/account-takeover/understanding-account-takeover-ato-9-defensive-measures/

The interest rate on your mortgage plays a pivotal role in shaping your monthly payments and the overall cost of your loan. Beyond the percentage itself, understanding how interest is calculated and the differences between fixed and variable rates can help you make informed financial decisions.

How Interest is Calculated 

Mortgage interest is calculated monthly by multiplying your remaining loan balance by the annual interest rate and dividing by 12. For example, if your balance is $300,000 with an interest rate of 6.5%, your interest payment for that month would be $1,625. As you pay down the principal, the interest portion decreases, allowing more of your payment to go toward reducing the loan balance. This dynamic highlights why securing a lower interest rate or opting for a shorter loan term can significantly reduce your total costs.

Impact on Monthly Payments 

Your monthly mortgage payment consists of two key components: principal and interest. Higher interest rates increase the proportion of your payment allocated to interest, raising overall costs. Conversely, lower rates make homeownership more affordable by reducing monthly payments and freeing up more funds to pay down on the principal.

Fixed vs. Variable Rates 

Fixed-rate mortgages offer stability; your interest rate and monthly payments remain constant throughout the loan term. This predictability is ideal for those seeking long-term financial consistency. On the other hand, variable-rate mortgages start with lower initial rates but fluctuate based on market conditions. While they can lead to savings if rates drop, they carry the risk of higher payments if rates rise.

Choosing between fixed and variable rates depends on your financial goals and tolerance for risk. Fixed rates provide security, while variable rates may offer cost savings in favorable economic conditions.

Contact one of our Mortgage Representatives today to assist you in meeting your homeownership goals!

Opinions expressed above are the personal opinions of the author and meant for illustration purposes only. For specific questions regarding your personal lending needs, please call RCB Bank at 855-BANK-RCB. With approved credit. Terms, qualifications and other restrictions apply. Member FDIC, Equal Housing Lender, RCB Bank NMLS #798151.

Sources:

https://www.experian.com/blogs/ask-experian/how-mortgage-interest-works/

https://www.mortgagecalculator.org

https://www.bankrate.com/mortgages/mortgage-calculator/

https://www.bankrate.com/mortgages/what-is-a-mortgage-interest-rate/

Synthetic identity fraud has emerged as the fastest-growing form of financial crime, surpassing traditional credit card fraud and identity theft. This sophisticated scheme involves creating fictitious identities by combining real and fabricated personal information, posing a significant threat to financial institutions and individuals alike.

Fraudsters typically begin by obtaining authentic personal data, often focusing on Social Security Numbers (SSNs) from vulnerable groups such as children, the elderly or homeless individuals. They then combine this information with fake names, addresses and other details to create a new, synthetic identity.

What makes synthetic identity fraud particularly challenging to detect is its ability to pass initial verification checks. Unlike traditional identity theft, where inconsistencies are more apparent, synthetic identities can appear legitimate and even build positive credit histories over time.

To combat this growing threat, businesses are turning to advanced technologies and multi-layered approaches. Machine learning and artificial intelligence play crucial roles in analyzing customer behavior patterns and identifying anomalies. Additionally, cross-referencing data from multiple sources and implementing robust document and biometric verification methods can help uncover discrepancies.

For consumers, vigilance is key. Regularly monitoring credit reports, securing personal information and being cautious about sharing sensitive data online can help reduce the risk of becoming a victim.

As synthetic identity fraud continues to evolve, collaboration between financial institutions, technology providers and regulatory bodies will be essential in developing more effective detection and prevention strategies. By staying informed and implementing comprehensive security measures, both businesses and individuals can better protect themselves against this insidious form of financial crime.

Prompt Reporting: If you feel you have fallen for a scam or suspect your accounts or identity have been compromised, report the incident immediately. RCB Bank customers can contact us at 855-226-5722 during business hours Monday – Friday 8:00 a.m. – 6:00 p.m. excluding Federal Holidays or visit the RCB Bank Security Center website for detailed information. Need to contact RCB Bank Fraud Department on the weekend? Contact us at 877-361-0814 Saturday 8:00 a.m. – 4:00 p.m. CST or Sunday 8:00 a.m. – 12:00 p.m. CST (excluding Federal Holidays).

Contact other reliable sources such as the FBI and file a complaint at ic3.gov to contribute to efforts against these fraudulent activities.

Opinions expressed above are the personal opinions of the author and meant for generic illustration purposes only. RCB Bank, Member FDIC.

Sources:

[1] Synthetic Identity Fraud: What is it and How to Combat it https://legal.thomsonreuters.com/blog/synthetic-identity-fraud-what-is-it-and-how-to-combat-it/

[2] Synthetic Identity Fraud: Strategies for Spotting Fakes  https://www.trulioo.com/blog/fraud-prevention/synthetic-identity-fraud

[3] Trends in synthetic identity fraud | Thomson Reuters https://legal.thomsonreuters.com/en/insights/articles/trends-in-synthetic-identity-fraud

[4] What Is Synthetic Identity Fraud & Theft? Definition | Proofpoint US https://www.proofpoint.com/us/threat-reference/synthetic-identity-fraud

The increasing accessibility of artificial intelligence (AI) tools has made it easier for scammers to create deepfakes that are difficult to distinguish from genuine content. This poses a significant challenge for individuals and organizations trying to protect themselves from these sophisticated attacks. Deepfake technology is powered by AI and has become a significant threat for 2025, enabling scammers to create convincing fake videos and audio.

These scams target individuals and businesses, exploiting human vulnerabilities rather than technical flaws. Deepfakes have been used in a variety of scams, including impersonation attacks where criminals mimic executives or employees to authorize fraudulent transactions. In some cases, these scams have resulted in millions of dollars in losses. Similarly, romance scams and phishing schemes have adopted deepfake technology to manipulate victims into sharing sensitive information or transferring money.

To safeguard against deepfake scams, experts recommend several strategies.

• First, limit the amount of personal information shared online, as this can be used to create convincing fake content.
• Second, verify any suspicious communication through trusted channels, such as directly calling the person or organization involved before acting.
• Third, use detection tools designed to identify manipulated audio or video content.
• For businesses, investing in advanced cybersecurity measures like real-time AI detection systems and conducting employee training on spotting swindles is essential.

It is also recommended to use the “3A” approach: assess the message, analyze audio-visual elements for inconsistencies and authenticate the source.

As this technology continues to evolve, staying vigilant and informed is critical to protecting yourself from its misuse.

Prompt Reporting: If you feel you have fallen for a scam or suspect your accounts or identity have been compromised, report the incident immediately. RCB Bank customers can contact us at 855-226-5722 during business hours Monday – Friday 8:00 a.m. – 6:00 p.m. excluding Federal Holidays or visit the RCB Bank Security Center website for detailed information. Need to contact RCB Bank Fraud Department on the weekend? Contact us at 877-361-0814 Saturday 8:00 a.m. – 4:00 p.m. CST or Sunday 8:00 a.m. – 12:00 p.m. CST (excluding Federal Holidays).

Contact other reliable sources such as the FBI and file a complaint at ic3.gov to contribute to efforts against these fraudulent activities.

Opinions expressed above are the personal opinions of the author and meant for generic illustration purposes only. RCB Bank, Member FDIC.

Sources:

[1] 2025 deepfake threat predictions from biometrics, cybersecurity https://www.biometricupdate.com/202501/2025-deepfake-threat-predictions-from-biometrics-cybersecurity-insiders

[2] The 6 Most Popular AI Scams In 2025 https://caniphish.com/blog/ai-scams

[3] Understanding Deepfakes: What Older Adults Need to Know https://www.ncoa.org/article/understanding-deepfakes-what-older-adults-need-to-know/

[4] How to Protect Yourself Against Deepfakes https://www.staysafeonline.org/articles/how-to-protect-yourself-against-deepfakes

[5] Cybersecurity, Deepfakes and the Human Risk of AI Fraud https://www.govtech.com/security/cybersecurity-deepfakes-and-the-human-risk-of-ai-fraud

When you take out a mortgage, your monthly payment is typically divided into several components, including principal, interest, taxes and insurance. Among these, the principal is the core part of your loan repayment. Understanding how it works can help you better manage your mortgage over time.

The principal is the original amount of money you borrow from a lender to purchase a home. For example, if you buy a house for $300,000 and make a $50,000 down payment, your principal loan amount will be $250,000. This amount does not include interest or other fees associated with your mortgage.

Each monthly mortgage payment you make includes a portion that goes toward reducing the principal balance. In the early years of your loan, most of your payment goes towards the interest rather than principal due to how loans are amortized. Over time, as the balance decreases, more of your payment is applied to the principal.

The way the principal changes over the life of your loan depends on factors like your loan term and interest rate. Shorter loan terms or additional payments toward the principal can help reduce the balance faster and save on interest costs in the long run.

Understanding your principal and how it fits into your overall mortgage can empower you to make informed financial decisions. Paying extra toward the principal when possible is one strategy to pay off your loan faster and reduce total interest paid overtime.

Contact one of our Mortgage Representatives today to assist you in meeting your homeownership goals!

Opinions expressed above are the personal opinions of the author and meant for generic illustration purposes only. For specific questions regarding your personal lending needs, please call RCB Bank at 855-BANK-RCB. With approved credit. Terms, qualifications and other restrictions apply. Member FDIC, Equal Housing Lender. RCB Bank NMLS #798151.

Sources:

[1] How to Calculate Principal and Interest on a Mortgage Payment https://anytimeestimate.com/home-buying/principal-and-interest/

[2] Mortgage Principal: The Core of Your Home Loan Explained https://www.businessinsider.com/personal-finance/mortgages/mortgage-principal