TellerScore

Rio Bank (FDIC certificate #25886) is based in Mcallen, Texas. Its Q2 2026 call report shows $1.4B in total assets and $1.2B in deposits and 24 offices.

Rio Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 259th. Problem-loan coverage contributes the most (93/100, 3.6%); capital cushion contributes the least (50/100, 10.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 10.03%
Loan quality82/100
Noncurrent loans ÷ total loans: 0.53%
Earnings56/100
Return on assets (annualized): 0.91%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 70.8% · 35.5% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.63%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 6 points (72 → 66), mostly because the capital cushion component weakened by 20 points.

TellerScore
636872Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202468
Q3 202468
Q4 202468
Q1 202564
Q2 202572
Q3 202563
Q4 202563
Q1 202667
Q2 202666
Tier 1 leverage ratio
5.00%8.48%11.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.08%
Q3 20249.75%
Q4 20249.67%
Q1 20259.86%
Q2 202511.96%
Q3 20259.59%
Q4 20259.58%
Q1 202610.08%
Q2 202610.03%
Noncurrent loans
0.30%0.44%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.47%
Q3 20240.40%
Q4 20240.30%
Q1 20250.51%
Q2 20250.47%
Q3 20250.54%
Q4 20250.58%
Q1 20260.53%
Q2 20260.53%
Return on assets
0.54%0.74%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.94%
Q3 20240.94%
Q4 20240.91%
Q1 20250.67%
Q2 20250.67%
Q3 20250.58%
Q4 20250.54%
Q1 20260.89%
Q2 20260.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$1.4B10.03%0.53%0.91%70.8%
Q1 202667$1.4B10.08%0.53%0.89%66.1%
Q4 202563$1.4B9.58%0.58%0.54%67.0%
Q3 202563$1.4B9.59%0.54%0.58%65.4%
Q2 202572$1.4B11.96%0.47%0.67%68.2%
Q1 202564$974.6M9.86%0.51%0.67%66.6%
Q4 202468$945.4M9.67%0.30%0.91%62.4%
Q3 202468$936.4M9.75%0.40%0.94%59.0%
Q2 202468$883.9M10.08%0.47%0.94%58.5%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.03%
38th
Total risk-based capital14.87%
66th
Problem loans0.53%
49th
Net charge-offs0.14%
24th
Return on assets0.91%
24th
Net interest margin4.34%
82nd
Efficiency ratio71.2%
19th
Loans to deposits70.8%
83rd
Uninsured deposits35.5%
37th
Loan-loss reserves1.21%
60th
Texas ratio3.6%
50th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Central BankBank Houston, TX70 out of 100, Strong$1.4B10.1%0.54%vs
Southwestern National BankBank Houston, TX73 out of 100, Strong$1.4B12.4%0.42%vs
Pegasus BankBank Dallas, TX77 out of 100, Strong$1.5B11.4%0.00%vs
Alliance BankBank Sulphur Springs, TX68 out of 100, Moderate$1.4B10.4%0.55%vs
Wallis BankBank Wallis, TX58 out of 100, Moderate$1.4B10.1%1.43%vs
Texas Security BankBank Dallas, TX63 out of 100, Moderate$1.4B9.6%0.41%vs

Deposit insurance

Is my money safe at Rio Bank?

Yes. Rio Bank is an FDIC-insured institution (FDIC certificate #25886). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.5% of deposits ($421.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.03%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.87% (benchmark: 10%).

Check how much of your own balance is covered

24 locations

Branches

Rio Bank lists 22 offices in 16 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Rio Bank reported 76 home-loan applications under HMDA (LEI 5493007MVCEU8QCNWC60): 56 originated ($20,570,000 total), 5 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Rio Bank
Former names
Rio National Bank
Type
State-chartered bank
FDIC certificate #
25886
RSSD ID
956750
Primary regulator
FDIC
Holding company
Rio Financial Services Inc
Established
February 11, 1985
Headquarters
701 E Expressway 83, Mcallen, TX 78501
Employees
267

Quick answers

Rio Bank: common questions

Is Rio Bank FDIC insured?

Yes. Rio Bank is an FDIC-insured institution (FDIC certificate #25886). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Rio Bank's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Rio Bank ever failed?

There is no failure record for FDIC certificate #25886 in the FDIC failed bank list.

How many branches does Rio Bank have?

24 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mcallen

InstitutionScoreAssetsCapitalProblem loansCompare
Highway District 21 Federal Credit UnionCredit union McAllen, TX95 out of 100, Very strong$51.6M23.1%0.23%vs
Naft Federal Credit UnionCredit union Pharr, TX93 out of 100, Very strong$162.3M16.4%0.50%vs
Bank of South TexasBank Mcallen, TX86 out of 100, Very strong$174.5M16.6%0.23%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Edinburg Teachers Credit UnionCredit union Edinburg, TX85 out of 100, Very strong$98.0M22.6%0.12%vs
Texas Community BankBank Laredo, TX84 out of 100, Strong$2.2B12.8%0.20%vs