Branch Network
Rio Bank Locations & Branches McAllen, Texas
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Rio Bank operates 23 branches from its headquarters in McAllen, TX, .
Rio Bank branch network
All 23 branches are in TEXAS, across 17 cities. McAllen, TX has the most of its branches, 4. Its largest office by deposits is its main office in Mcallen, TX, with $329.8M (27.8% of its branch deposits). It had the same number of branches on June 30, 2025.
Rio Bank at a glance
Its CET1 capital ratio was 13.75% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $1.42B
- CET1 ratio, Q2 2026
- 13.75%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1985
Full financial profile · Is Rio Bank safe? · Rio Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Mcallen, TX (4 branches) | 9 of 18 | 4.2% | $416.3M |
| State: TX (23 branches) | 98 of 441 | <0.1% | $1.19B |
Ranked by total assets among banks headquartered in the state: Largest banks in Texas.
Share by county and metro area
Rio Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Hidalgo, TX (11 branches) | 12 of 20 | 4.4% | $705.4M | $16.04B |
| Bexar, TX (3 branches) | 21 of 50 | 0.1% | $180.2M | $164.05B |
| Cameron, TX (2 branches) | 13 of 19 | 1.5% | $97.7M | $6.60B |
| Starr, TX (2 branches) | 5 of 6 | 9.0% | $58.0M | $643.4M |
| Burnet, TX (1 branch) | 8 of 14 | 3.5% | $56.9M | $1.63B |
| Hays, TX (1 branch) | 11 of 22 | 1.4% | $48.7M | $3.42B |
| Blanco, TX (2 branches) | 4 of 4 | 10.3% | $39.7M | $385.9M |
| Gillespie, TX (1 branch) | 12 of 13 | <0.1% | $694K | $1.64B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| McAllen-Edinburg-Mission, TX (11 branches) | 12 of 20 | 4.4% | $705.4M | $16.04B |
| San Antonio-New Braunfels, TX (3 branches) | 29 of 65 | 0.1% | $180.2M | $174.95B |
| Brownsville-Harlingen, TX (2 branches) | 13 of 19 | 1.5% | $97.7M | $6.60B |
| Rio Grande City-Roma, TX (2 branches) | 5 of 6 | 9.0% | $58.0M | $643.4M |
| Austin-Round Rock-Georgetown, TX (1 branch) | 57 of 73 | <0.1% | $48.7M | $70.41B |
| Fredericksburg, TX (1 branch) | 12 of 13 | <0.1% | $694K | $1.64B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 25886) · FFIEC NIC profile (RSSD 956750)