Rio Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 11.43 percentage points lower than in Q1 2026, at 228.19%. Within Texas, Rio Bank is 275th of 345 on return on assets, 0.93% as of Q2 2026. The median for banks in the $1B-10B asset tier is 1.27% on return on assets. Rio Bank sits 0.35 points lower, at 0.93% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.75% |
| Tier 1 risk-based capital ratio | 13.75% |
| Total risk-based capital ratio | 14.87% |
| Tier 1 leverage ratio | 10.03% |
| Equity capital to assets | 10.59% |
| Tangible equity to tangible assets | 8.67% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.53% |
| Non-performing assets ratio | 0.41% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.46% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | 228.19% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.93% |
| Return on equity | 8.73% |
| Net interest margin | 4.31% |
| Efficiency ratio | 69.85% |
| Yield on earning assets | 6.24% |
| Cost of funds | 1.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.67% |
| Core deposits to total deposits | 93.85% |
| Brokered deposits to total deposits | 2.18% |
| Deposits to assets | 83.38% |
| Securities to assets | 24.32% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.19% | 16.19% | 17.25% | 10.24% | 1.02% |
| Q4 2023 | 15.27% | 15.27% | 16.29% | 10.34% | 0.38% |
| Q1 2024 | 15.54% | 15.54% | 16.59% | 10.26% | 0.97% |
| Q2 2024 | 15.19% | 15.19% | 16.23% | 10.08% | 0.85% |
| Q3 2024 | 14.32% | 14.32% | 15.37% | 9.75% | 0.93% |
| Q4 2024 | 13.78% | 13.78% | 14.78% | 9.67% | 0.80% |
| Q1 2025 | 13.65% | 13.65% | 14.70% | 9.86% | 0.66% |
| Q2 2025 | 13.99% | 13.99% | 14.73% | 11.96% | 0.71% |
| Q3 2025 | 13.52% | 13.52% | 14.28% | 9.59% | 0.42% |
| Q4 2025 | 13.88% | 13.88% | 15.09% | 9.58% | 0.43% |
| Q1 2026 | 14.21% | 14.21% | 15.37% | 10.08% | 0.90% |
| Q2 2026 | 13.75% | 13.75% | 14.87% | 10.03% | 0.93% |
Rio Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Rio Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)