RIO BANK

MCALLEN, TX | Large | Est. Feb. 11, 1985, midnight | FDIC #25886 | RSSD #956750 | FDIC
Latest Report: 2025-12-31

RIO BANK is aln large FDIC-insured commercial bank headquartered in MCALLEN, TX, established in Feb. 11, 1985, midnight. As of 2025-12-31, the bank reported total assets of $1.4B and total deposits of $1.2B. Profitability stands at 0.43% ROA and 4.10% ROE, with a net interest margin of 4.14%. The bank's CET1 capital ratio is 13.88%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.58% and a Texas Ratio of 3.70%. FDIC Certificate #25886.

Assets

$1.4B

Deposits

$1.2B

Loans

$791M

Equity

$150M

Profitability

Return on Assets (ROA) 0.43%
Return on Equity (ROE) 4.10%
Net Interest Margin (NIM) 4.14%
Yield on Assets 6.14%
Cost of Funds 3.16%

Asset Quality

NPL Ratio 0.58%
Net Charge-Off Ratio -0.01%
Texas Ratio 3.70%
NPA Ratio 0.43%
ACL / Loans 1.34%

Capital & Liquidity

CET1 Ratio 13.88%
Tier 1 Capital 13.88%
Total Capital Ratio 15.09%
Leverage Ratio 9.58%
Loan-to-Deposit 67.94%

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