McAllen, TX · Cert 25886 · Rio Financial Services Inc.
State charter, non-member · FDIC · 23 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
41
Profitability
42
Liquidity
30
Efficiency
12
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.
McAllen, TX · Cert 25886 · Rio Financial Services Inc.
State charter, non-member · FDIC · 23 branches
Q2 2026
Market Position · McAllen-Edinburg-Mission, TX · 2026 SOD (annual) · 4.4% share · #12 of 20 inst. · $0.7B of $16.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 0.91% | 0.67% | 0.67% | 0.58% | 0.54% | 0.89% | 0.91% | +24 bps | |
| Return on Equity | 10.97% | 10.77% | 8.04% | 7.35% | 6.12% | 5.58% | 8.36% | 8.55% | +119 bps | |
| Net Interest Margin | 3.41% | 3.36% | 3.41% | 3.13% | 3.03% | 3.20% | 3.93% | 3.88% | +75 bps | |
| Efficiency Ratio | 71.79% | 72.39% | 76.16% | 77.16% | 81.09% | 80.27% | 72.45% | 71.17% | -599 bps | |
| Non-Interest Burden | 2.13% | 2.15% | 2.37% | 2.20% | 2.29% | 2.47% | 2.70% | 2.61% | +40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.51% | 17.76% | 15.18% | 59.11% | 51.90% | 47.42% | 46.30% | 1.25% | -5,786 bps | |
| Loan Growth (YoY) | 13.59% | 16.49% | 20.00% | 74.45% | 75.04% | 63.08% | 54.82% | 8.75% | -6,570 bps | |
| Deposit Growth (YoY) | 3.08% | 5.14% | 5.12% | 50.03% | 58.61% | 51.77% | 55.97% | 4.39% | -4,564 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.40% | 0.30% | 0.51% | 0.47% | 0.54% | 0.58% | 0.53% | 0.53% | +6 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | -0.07% | -0.03% | -0.02% | -0.01% | 0.28% | 0.13% | +16 bps | |
| Allowance / Loans | 1.28% | 1.24% | 1.27% | 0.83% | 0.84% | 1.34% | 1.26% | 1.21% | +38 bps | |
| Allowance Coverage of NPLs | 3.2x | 4.1x | 2.5x | 1.8x | 1.6x | 2.3x | 2.4x | 2.3x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.75% | 9.67% | 9.86% | 11.96% | 9.59% | 9.58% | 10.08% | 10.03% | -193 bps | |
| Total Risk-Based Capital | 15.37% | 14.78% | 14.70% | 14.73% | 14.28% | 15.09% | 15.37% | 14.87% | +14 bps | |
| Equity / Assets | 8.93% | 8.00% | 8.58% | 10.07% | 10.43% | 10.75% | 10.55% | 10.59% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.73% | 63.23% | 67.44% | 68.80% | 65.91% | 67.94% | 66.95% | 71.67% | +287 bps | |
| Liquid Assets / Assets | 5.15% | 2.52% | 2.28% | 6.48% | 5.27% | 3.38% | 6.82% | 4.40% | -208 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 350% | 342% | 344% | n/a | n/a | |
McAllen, TX · Cert 25886 · Peer group: banks $1B-$10B in assets (n=322-328) · Rio Financial Services Inc.
State charter, non-member · FDIC · 23 branches
Q2 2026
Return on Assets
0.90%
Rank 248 of 328
Net Interest Margin
3.88%
Rank 76 of 328
Efficiency Ratio
74.14%
Rank 288 of 328
Equity / Assets
10.59%
Rank 154 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.90% | 0.91% | 1.22% | 1.52% | Beats 24% | 248 / 328 | ||
| Return on Equity | 8.53% | 8.43% | 11.45% | 14.43% | Beats 26% | 243 / 328 | ||
| Net Interest Margin | 3.88% | 3.03% | 3.45% | 3.83% | Beats 77% | 76 / 328 | ||
| Efficiency Ratio | 74.14% | 51.61% | 59.56% | 67.53% | Beats 12% | 288 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.53% | 0.24% | 0.51% | 1.03% | Beats 49% | 166 / 322 | ||
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.03% | 0.10% | Beats 33% | 218 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.75% | 11.75% | 13.15% | 15.47% | Beats 59% | 136 / 328 | ||
| Total Risk-Based Capital Ratio | 14.87% | 12.63% | 14.15% | 16.46% | Beats 60% | 130 / 328 | ||
| Equity / Assets | 10.59% | 9.15% | 10.33% | 12.01% | Beats 53% | 154 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.67% | 76.63% | 87.92% | 95.36% | 18th pctl | 264 / 323 | ||
| Loans / Assets | 59.76% | 65.18% | 74.15% | 79.98% | 17th pctl | 271 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||