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Rio Bank

McAllen, TX · Cert 25886 · Rio Financial Services Inc.

State charter, non-member · FDIC · 23 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=311 to 317). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

58

Q2 2024Q2 2026peer median (50)

Asset Quality

42

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

30

Q2 2024Q2 2026peer median

Efficiency

13

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Rio Bank

McAllen, TX · Cert 25886 · Rio Financial Services Inc.

State charter, non-member · FDIC · 23 branches

Q2 2026

$1.4BAssets
$850.9MLoans
$1.2BDeposits
$150.7MEquity
Loan mix
82%RE $643.9M17%C&I $133.6M1%Consumer $4.6MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $767.7M35%Noninterest $419.5MQ2 2025Q2 2026

NIM

5.14%Q2 ’244.75%Q2 ’255.48%Q2 ’26-13%+24%

Non-interest income vs. expense

3.38%Q2 ’243.01%Q2 ’253.42%Q2 ’26-6%+18%

Market Position · McAllen-Edinburg-Mission, TX · 2026 SOD (annual) · 4.4% share · #12 of 20 inst. · $0.7B of $16.0B

4.4% Hidalgo
0.1% Bexar
1.5% Cameron
9.0% Starr

Executive Summary

  • Earnings: ROA of 0.91%, up 24 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.53% of loans (+6 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 10.03%, down 193 bps from a year ago.
  • Funding: loans stand at 71.67% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.91%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.88%+75 bps YoY

Efficiency Ratio (YTD, annualized)

71.17%-599 bps YoY

Tier 1 Leverage Ratio

10.03%-193 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.58%0.54%0.89%0.91%+24 bps
Return on Equity7.35%6.12%5.58%8.36%8.55%+119 bps
Net Interest Margin3.13%3.03%3.20%3.93%3.88%+75 bps
Efficiency Ratio77.16%81.09%80.27%72.45%71.17%-599 bps
Non-Interest Burden2.20%2.29%2.47%2.70%2.61%+40 bps
Growth
Asset Growth (YoY)59.11%51.90%47.42%46.30%1.25%-5,786 bps
Loan Growth (YoY)74.45%75.04%63.08%54.82%8.75%-6,570 bps
Deposit Growth (YoY)50.03%58.61%51.77%55.97%4.39%-4,564 bps
Asset Quality
Nonperforming Loans / Loans0.47%0.54%0.58%0.53%0.53%+6 bps
Net Charge-Offs / Loans-0.03%-0.02%-0.01%0.28%0.13%+16 bps
Allowance / Loans0.83%0.84%1.34%1.26%1.21%+38 bps
Allowance Coverage of NPLs1.8x1.6x2.3x2.4x2.3x+0.5x
Capital
Tier 1 Leverage Ratio11.96%9.59%9.58%10.08%10.03%-193 bps
Total Risk-Based Capital14.73%14.28%15.09%15.37%14.87%+14 bps
Equity / Assets10.07%10.43%10.75%10.55%10.59%+51 bps
Liquidity & Funding
Loans / Deposits68.80%65.91%67.94%66.95%71.67%+287 bps
Liquid Assets / Assets6.48%5.27%3.38%6.82%4.40%-208 bps
CRE / Total Capitaln/a350%342%344%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Rio Bank

McAllen, TX · Cert 25886 · Peer group: banks $1B-$10B in assets (n=311-317) · Rio Financial Services Inc.

State charter, non-member · FDIC · 23 branches

Q2 2026

$1.4BAssets
$850.9MLoans
$1.2BDeposits
$150.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 77% of banks $1B-$10B in assets (rank 74 of 317).
  • Widest gap: efficiency ratio trails 87% of banks $1B-$10B in assets (rank 278 of 317).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.90%

Rank 243 of 317

Net Interest Margin

3.88%

Rank 74 of 317

Efficiency Ratio

74.14%

Rank 278 of 317

Equity / Assets

10.59%

Rank 149 of 317

Non-interest income vs. expense

$11.6M$48.5MINCOMEEXPENSE
Unfavorable gap of $37.0M · efficiency ratio beats 13% of banks $1B-$10B in assets
Bank 74.14%Peer median 59.7%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.90%0.93%1.22%1.51%Beats 23%243 / 317
Return on Equity8.53%8.63%11.43%14.48%Beats 25%239 / 317
Net Interest Margin3.88%3.06%3.45%3.83%Beats 77%74 / 317
Efficiency Ratio74.14%51.90%59.69%67.53%Beats 13%278 / 317
Asset Quality
Nonperforming Loans / Loans0.53%0.24%0.51%1.14%Beats 50%158 / 311
Net Charge-Offs / Loans0.07%0.01%0.04%0.12%Beats 34%205 / 311
Capital
Tier 1 Capital Ratio13.75%11.75%13.15%15.30%Beats 59%129 / 317
Total Risk-Based Capital Ratio14.87%12.63%14.21%16.26%Beats 62%122 / 317
Equity / Assets10.59%9.06%10.32%11.95%Beats 53%149 / 317
Liquidity & Funding
Loans / Deposits71.67%76.63%88.04%95.67%17th pctl258 / 312
Loans / Assets59.76%65.41%74.05%79.71%17th pctl262 / 317
Brokered Deposits / Depositsn/aNot reported for this institution