Rio Bank
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
$1.4BAssets
$850.9MLoans
$1.2BDeposits
$150.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 77% of banks $1B-$10B in assets (rank 76 of 328).
- Widest gap: efficiency ratio trails 88% of banks $1B-$10B in assets (rank 288 of 328).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $37.0M · efficiency ratio beats 12% 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% | 0.91% | 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 |