Rio Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Rio Bank of McAllen, TX against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.93% | 1.34% | -0.41% | 23rd bottom |
| ROAE | 8.73% | 12.40% | -3.67% | 22nd bottom |
| Net Interest Margin | 4.31% | 3.83% | +0.48% | 82nd top |
| Efficiency Ratio | 69.85% | 57.84% | +12.01% | 19th bottom |
| PPNR / Avg Assets | 1.26% | — | — | 24th bottom |
| Yield on Earning Assets | 6.24% | 5.71% | +0.53% | 83rd top |
| Cost of Funds | 1.96% | 2.02% | -0.06% | 53rd above |
| Net Interest Spread | 3.36% | — | — | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.53% | 1.00% | -0.47% | 56th above |
| NPA / Total Assets | 0.41% | — | — | 55th above |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 68th above |
| ACL / Total Loans | 1.21% | — | — | 59th above |
| ACL / NPLs (Coverage) | 228.19% | — | — | 59th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.46% | 5.47% | -1.01% | 43rd below |
| Provision / NCO | 39.89% | — | — | 16th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.75% | 14.99% | -1.24% | 54th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.75% | 15.02% | -1.27% | 53rd above |
| Total Capital Ratio | 14.87% | — | — | 54th above |
| Leverage Ratio | 10.03% | 11.11% | -1.08% | 37th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.59% | 11.02% | -0.43% | 53rd above |
| TCE / Tangible Assets | 8.67% | — | — | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.67% | 86.99% | -15.32% | 83rd top |
| Core Deposit Ratio | 93.85% | 85.57% | +8.28% | 79th top |
| Uninsured Deposit Ratio | 35.54% | 33.19% | +2.35% | 37th below |
| Wholesale Funding Ratio | 5.62% | — | — | 37th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.25% | — | — | 22nd bottom |
| Loan Growth (Y/Y) | 8.75% | — | — | 67th above |
| Deposit Growth (Y/Y) | 4.39% | — | — | 46th below |
See Rio Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Rio Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Rio Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Rio Bank peer analysis.