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Rio Bank

$1B-$10B Specialty: Commercial TX FDIC cert 25886

Designations: ✓ Community bank ✓ Minority Depository Institution

Mcallen, TX

24 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
  • Deposits +4.4% year over year ($1.2B on the books).
  • Delinquency rate 0.53%.
  • Return on assets 0.91%.
  • Efficiency ratio 71.17% vs a 59.73% peer average.
  • Loan-to-deposit ratio 70.81% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX
View $1B-$10B leaderboard (TX) →

Rio Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 57.5% in tier
  • + Delinquency Rate 0.33% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 37.6% in tier
  • - Flatlined Growth: Bottom 38.9% in tier
  • - ROA 0.48% below tier average
  • - Efficiency Ratio 11.44% above tier average
Get updates when Rio Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $1.4B
+1.3% YoY -0.1% QoQ
-$1.4B $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
31%
Total Loans ? $840.7M
+8.3% YoY +7.0% QoQ
-$1.1B $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
17%
Total Deposits ? $1.2B
+4.4% YoY -0.1% QoQ
-$1.1B $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
29%
Return on Assets ? 0.91%
+36.6% YoY +2.0% QoQ
-0.48% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
24%
Net Interest Margin ? 4.34%
+16.8% YoY +0.6% QoQ
+0.47% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
82%
Efficiency Ratio ? 71.17%
-7.8% YoY -1.8% QoQ
+11.44% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
19%
Delinquency Rate ? 0.53%
+13.0% YoY +0.3% QoQ
-0.33% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
49%
Loan-to-Deposit Ratio ? 70.81%
+3.8% YoY +7.1% QoQ
-14.23% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
83%
Non-Interest-Bearing Deposit Share ? 35.34%
+13.5% YoY -1.3% QoQ
+14.06% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 7.9% in tier
Nonperforming Asset Ratio ? 0.41%
+11.3% YoY +5.6% QoQ
-0.26% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
50%
Tier 1 Capital Ratio ? 13.75%
-1.7% YoY -3.3% QoQ
-1.10% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
60%
Non-Interest Income / Assets ? 0.41%
+20.6% YoY +103.0% QoQ
-0.12% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
71%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 35.3%
+4.2pp YoY
-0.5pp QoQ
 +14.0pp 21.4% 29.2% 22.2% 92%
Brokered Deposits 2.2%
+1.9pp YoY
0.0pp QoQ
 -7.3pp 9.5% 8.0% 8.5% 28%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 19.0%
+1.9pp YoY
+2.0pp QoQ
 +5.0pp 14.0% 14.8% 12.5% 78%
CRE 59.0%
+0.8pp YoY
-1.0pp QoQ
 +9.0pp 50.0% 48.4% 41.4% 74%
1-4 Family 14.1%
-2.4pp YoY
-1.2pp QoQ
 -12.3pp 26.4% 25.8% 31.3% 28%
Consumer 0.6%
-0.1pp YoY
0.0pp QoQ
 -4.2pp 4.7% 4.7% 5.0% 33%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 13.8%
-0.2pp YoY
-0.5pp QoQ
 -1.8pp 15.6% 22.7% 19.7% 54%
Leverage Ratio 10.0%
-1.9pp YoY
0.0pp QoQ
 -1.3pp 11.3% 12.6% 12.6% 37%
Total Capital Ratio 14.9%
+0.1pp YoY
-0.5pp QoQ
 -1.8pp 16.7% 23.8% 20.8% 54%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 267
-20 (-7.0%) YoY
-3 (-1.1%) QoQ
 -47 313 186 482 59%
Assets per Employee ($) $5.3M
+8.8% YoY
+1.0% QoQ
 -$5.1M $10.5M $10.1M $8.8M 6%
Branch Count 24
+1 (+4.3%) YoY
0 QoQ
 +4 20 12 18 74%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.3% 0.4% n/a
Nonaccrual 0.5%
+0.1pp YoY
0.0pp QoQ
 -0.3pp 0.8% 1.0% 1.0% 52%
Allowance Coverage 2.28x
+29.1% YoY
-4.8% QoQ
 -16.43x 18.71x 18.82x 20.23x 54%
Net Charge-off Rate (YTD) 0.1%
+0.2pp YoY
-0.1pp QoQ
 -0.1pp 0.3% 0.1% 0.2% 74%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 8.6%
+1.2pp YoY
+0.2pp QoQ
 -4.0pp 12.6% 13.2% 11.6% 23%
Cost of Funds (YTD) 1.9%
-0.1pp YoY
0.0pp QoQ
 0.0pp 1.9% 1.6% 1.7% 50%
Net Income ($, YTD) $6.4M
+74.2% YoY
— QoQ
 -$12.8M $19.2M $15.9M $40.4M 19%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#47 of 80 • Top 57.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 35.34%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.34%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (2)

Credit Risk Growth

risk
#152 of 402 • Bottom 37.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#64 of 162 • Bottom 38.9% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.91%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

71
Non-Interest-Bearing Deposit Share
funding
Value: 35.34%
Peer Median: 21.27%
#71 of 885 Top 7.9% in $1B-$10B
148
Loan-to-Deposit Ratio
liquidity
Value: 70.81%
Peer Median: 85.04%
#148 of 885 Top 16.6% in $1B-$10B
159
Net Interest Margin
profitability
Value: 4.34%
Peer Median: 3.87%
#159 of 885 Top 17.9% in $1B-$10B

Top Weaknesses (3 metrics)

735
Total Loans
size
Value: $840.65M
Peer Median: $1.96B
#735 of 885 Bottom 17.1% in $1B-$10B
719
Efficiency Ratio
profitability
Value: 71.17%
Peer Median: 59.73%
#719 of 885 Bottom 18.9% in $1B-$10B
677
Return on Assets
profitability
Value: 0.91%
Peer Median: 1.39%
#677 of 885 Bottom 23.6% in $1B-$10B
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