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
Unfavorable gap of $37.0M · efficiency ratio beats 13% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.90% | 0.93% | 1.22% | 1.51% | Beats 23% | 243 / 317 | |
| Return on Equity | 8.53% | 8.63% | 11.43% | 14.48% | Beats 25% | 239 / 317 | |
| Net Interest Margin | 3.88% | 3.06% | 3.45% | 3.83% | Beats 77% | 74 / 317 | |
| Efficiency Ratio | 74.14% | 51.90% | 59.69% | 67.53% | Beats 13% | 278 / 317 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.53% | 0.24% | 0.51% | 1.14% | Beats 50% | 158 / 311 | |
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.04% | 0.12% | Beats 34% | 205 / 311 | |
| Capital |
| Tier 1 Capital Ratio | 13.75% | 11.75% | 13.15% | 15.30% | Beats 59% | 129 / 317 | |
| Total Risk-Based Capital Ratio | 14.87% | 12.63% | 14.21% | 16.26% | Beats 62% | 122 / 317 | |
| Equity / Assets | 10.59% | 9.06% | 10.32% | 11.95% | Beats 53% | 149 / 317 | |
| Liquidity & Funding |
| Loans / Deposits | 71.67% | 76.63% | 88.04% | 95.67% | 17th pctl | 258 / 312 | |
| Loans / Assets | 59.76% | 65.41% | 74.05% | 79.71% | 17th pctl | 262 / 317 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |