Rio Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Risk-weighted assets rose 5.3% from Q1 2026 to Q2 2026, ending at $1.01B against $963.8M. It was the largest change among the key lines on this page. Within Texas, Rio Bank is 144th of 184 on CET1 ratio, 13.75% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio; Rio Bank reported 13.75% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.75% |
| Tier 1 risk-based capital ratio | 13.75% |
| Total risk-based capital ratio | 14.87% |
| Tier 1 leverage ratio | 10.03% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $139.4M |
| Tier 1 capital | $139.4M |
| Total risk-based capital | $150.8M |
| Total equity capital | $150.7M |
| Risk-weighted assets | $1.01B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.59% |
| Tangible equity to tangible assets | 8.67% |
| Equity capital to average assets | 10.63% |
| Internal capital growth rate | 5.13% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $103.9M |
| Retained earnings | $61.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 16.19% | 16.19% | 17.25% | 10.24% | $514.8M |
| Q4 2023 | 15.27% | 15.27% | 16.29% | 10.34% | $551.6M |
| Q1 2024 | 15.54% | 15.54% | 16.59% | 10.26% | $555.9M |
| Q2 2024 | 15.19% | 15.19% | 16.23% | 10.08% | $582.3M |
| Q3 2024 | 14.32% | 14.32% | 15.37% | 9.75% | $633.6M |
| Q4 2024 | 13.78% | 13.78% | 14.78% | 9.67% | $673.3M |
| Q1 2025 | 13.65% | 13.65% | 14.70% | 9.86% | $692.3M |
| Q2 2025 | 13.99% | 13.99% | 14.73% | 11.96% | $986.0M |
| Q3 2025 | 13.52% | 13.52% | 14.28% | 9.59% | $971.2M |
| Q4 2025 | 13.88% | 13.88% | 15.09% | 9.58% | $962.2M |
| Q1 2026 | 14.21% | 14.21% | 15.37% | 10.08% | $963.8M |
| Q2 2026 | 13.75% | 13.75% | 14.87% | 10.03% | $1.01B |
Rio Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Rio Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Rio Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25886) · FFIEC NIC profile (RSSD 956750)