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 | |