BlastPoint's Banking Scorecard
Rio Bank
Designations: ✓ Community bank ✓ Minority Depository Institution
Mcallen, TX
25 branches across TX
Rio Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 48.8% in tier
- + Delinquency Rate 0.36% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 21.6% in tier
- - ROA 0.48% below tier average
- - Efficiency Ratio 11.39% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+46.3% YoY
+2.3% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
30% |
| Total Loans ? |
$786.0M
+54.8% YoY
+0.7% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 13.9% in tier |
| Total Deposits ? |
$1.2B
+56.0% YoY
+2.1% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
29% |
| Return on Assets ? |
0.89%
+33.5% YoY
+63.7% QoQ
|
-0.48% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
26% |
| Net Interest Margin ? |
4.32%
+11.1% YoY
+4.3% QoQ
|
+0.50% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
83% |
| Efficiency Ratio ? |
72.45%
-4.9% YoY
-9.7% QoQ
|
+11.39% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
19% |
| Delinquency Rate ? |
0.53%
+2.2% YoY
-9.9% QoQ
|
-0.36% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
66.11%
-0.7% YoY
-1.4% QoQ
|
-18.10% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 13.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.79%
-11.2% YoY
-1.2% QoQ
|
+14.50% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 8.1% in tier |
| Nonperforming Asset Ratio ? |
0.39%
+43.1% YoY
-9.3% QoQ
|
-0.29% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
55% |
| Tier 1 Capital Ratio ? |
14.21%
+4.1% YoY
+2.4% QoQ
|
-0.95% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.20%
-14.0% YoY
-71.7% QoQ
|
-0.06% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
72% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.