Rio Bank
BankRegReports is independent of Rio Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Rio Bank is an FDIC-insured commercial bank headquartered in McAllen, TX, established in 1985 (FDIC certificate 25886), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.42B, up 1.3% from Q2 2025, the 66th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 13.75% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 25886
- Headquarters
- McAllen, TX
- Established
- 1985
- Total assets, Q2 2026
- $1.42B
- Assets vs Q2 2025
- +1.3%
- CET1 ratio, Q2 2026
- 13.75%
- Domestic offices
- 24 FDIC institution directory, current count
- Routing number
- 114915447
- Holding company
- RIO FINANCIAL SERVICES, INC.
- Asset rank in state
- 66th of 346 in Texas
Rio Bank leans heavily on commercial real estate. Its balance sheet stood at $1.4 billion at June 30, 2026, up 1.3% from a year earlier; it is based in Mcallen, Texas. It holds commercial real estate loans worth 3.2 times its capital, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 2.2 times). On the other hand, it keeps 4.31 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.71 cents).
Earnings jumped: net income for the quarter was $3.3 million, 58% above the same quarter a year earlier. Over the same year, loans grew 8.7% and deposits grew 4.4%. Costs are the weak spot: it spends about 70 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Rio Bank reported a CET1 capital ratio of 13.75%, a return on assets of 0.93%, a nonperforming-loan ratio of 0.53% and a Texas ratio of 4.46%. The figures come from its call report filed with the FFIEC.
Rio Bank ranks as the 66th largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.1% to $1.42B, loans rose 6.9% and deposits fell 0.1%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 20.9% of total loans, followed by commercial and industrial loans at 18.8%. The FDIC Summary of Deposits lists 23 offices for it, in 17 cities in TX; its Mcallen 4 offices book 35% of its branch deposits. On its Q2 2026 call report, Rio Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 701 E Expressway 83, McAllen, TX 78501
- County
- Hidalgo
- Metro Area
- McAllen-Edinburg-Mission, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 11, 1985
- Domestic offices
- 24 FDIC institution directory, current count
- Employees (FTE)
- 267
- Domestic deposits
- $1.19B
- Allowance for credit losses
- $10.3M
- Net charge-offs (YTD)
- $564K
- Average total assets
- $1.42B
- Average total loans
- $810.0M
- Average interest-bearing deposits
- $741.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 11, 1985
- FDIC Cert
- 25886
- Fed RSSD
- 956750
- SEC CIK
- 1489899 → filed by RIO FINANCIAL SERVICES, INC.
- Website
- www.rio.bank →
- Parent Holding Company
- RIO FINANCIAL SERVICES, INC. (RSSD 3193033)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Rio Bank's total assets moved between a low of $790.1M (Q3 2023) and a high of $1.43B (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.42B total assets against $1.41B; $1.27B total liabilities against $1.26B.
$840.7M net loans and leases against $776.0M; $1.19B total deposits against $1.14B.
$346.3M securities against $366.8M; $84.0M cash and balances due against $121.0M.
$19.7M total interest income against $15.5M; $6.1M total interest expense against $5.6M.
$13.6M net interest income against $9.9M.
$2.9M total noninterest income against $2.5M; $12.0M total noninterest expense against $9.7M.
$315K provision for credit losses against $20K.
$3.3M net income against $2.1M.
0.93% return on assets against 0.71%; 4.31% net interest margin against 3.83%.
13.75% CET1 capital ratio against 13.99%; 10.03% tier 1 leverage ratio against 11.96%.
Inside the full Rio Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Rio Bank rankings
Its closest position to the top of a national ranking is 768 of 4,196, for total assets; its furthest is 2,736 of 3,606, for efficiency ratio.
Banks merged into Rio Bank
- Lone Star Capital Bank, National Association, effective May 31, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.42% (Q3 2025) to 0.93% (Q3 2024) and its net interest margin ran from 3.80% (Q3 2024) to 4.32% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.75% | 0.93% | 0.53% | 4.46% | 4.31% |
| Q1 2026 | 14.21% | 0.90% | 0.53% | 4.26% | 4.32% |
| Q4 2025 | 13.88% | 0.43% | 0.58% | 4.61% | 4.23% |
| Q3 2025 | 13.52% | 0.42% | 0.54% | 4.52% | 4.23% |
| Q2 2025 | 13.99% | 0.71% | 0.47% | 4.12% | 3.83% |
| Q1 2025 | 13.65% | 0.66% | 0.51% | 3.20% | 3.80% |
| Q4 2024 | 13.78% | 0.80% | 0.30% | 2.20% | 3.95% |
| Q3 2024 | 14.32% | 0.93% | 0.40% | 2.66% | 3.80% |
Swipe the table sideways to see every column.
Branch Network
View all 23 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Rio Bank (main office) | Mcallen , TX | 78501 | $329.8M |
| Stone Oak Branch | San Antonio , TX | 78232 | $159.1M |
| Palmview Branch | Mission , TX | 78574 | $74.0M |
| Brownsville Branch | Brownsville , TX | 78520 | $60.6M |
| Marble Falls Branch | Marble Falls , TX | 78654 | $56.9M |
| San Juan Branch | San Juan , TX | 78589 | $49.1M |
| Dripping Springs Branch | Dripping Springs , TX | 78620 | $48.7M |
| Elsa State Bank and Trust Company Branch | Elsa , TX | 78543 | $43.5M |
| North Mcallen Branch | Mcallen , TX | 78504 | $43.0M |
| Elsa State Bank - Rgc Branch | Rio Grande City , TX | 78582 | $41.7M |
| Elsa State Bank - Weslaco Branch | Weslaco , TX | 78596 | $40.7M |
| Elsa State Bank - Edinburg Branch | Edinburg , TX | 78539 | $39.0M |
| Weslaco Branch | Weslaco , TX | 78596 | $38.9M |
| Harlingen Branch | Harlingen , TX | 78552 | $37.1M |
| Mcallen Branch | Mcallen , TX | 78501 | $33.7M |
| Johnson City | Johnson City , TX | 78636 | $24.7M |
| Elsa State Bank - Roma Branch | Roma , TX | 78584 | $16.2M |
| Blanco Branch | Blanco , TX | 78606 | $15.0M |
| Rio Bank - Alamo Heights Branch | San Antonio , TX | 78209 | $13.8M |
| South Mcallen Branch | Mcallen , TX | 78501 | $9.8M |
| Huebner Banking Center Branch | San Antonio , TX | 78258 | $7.3M |
| Elsa State Bank & Tr Co-Edcouch Bran | Edcouch , TX | 78538 | $3.9M |
| Fredericksburg Branch | Fredericksburg , TX | 78624 | $694K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 31, 2025 | Structure Change | Acquired Lone Star Capital Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 30, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2018 | Structure Change | Acquired Elsa State Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 31, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC)
- September 21, 2000, OCC: Formal Agreement: Rio National Bank
- September 9, 1998, OCC: Formal Agreement: Rio National Bank
- Period: Most recent institution action September 21, 2000. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 98 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 76 applications, 56 loans originated, $20.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $1.8M approved, $602K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Rio Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Rio Bank
What are Rio Bank's total assets?
As of the Q2 2026 filing, Rio Bank reported total assets of $1.42 billion in its FFIEC call report.
Where is Rio Bank headquartered?
It is headquartered in McAllen, TX, United States.
When was Rio Bank founded?
It was established in 1985, per the FDIC institution directory.
Is Rio Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #25886). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Rio Bank?
Rio Bank's primary federal regulator is the FDIC.
What is Rio Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.75% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Rio Bank operate?
It operates 24 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Rio Bank's Texas Ratio?
Its Texas Ratio is 4.46% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Rio Bank.
Get an email when Rio Bank files its next call report, and benchmark it against any peer you choose.
Unlock Rio Bank, freeFree account