Side-by-side · Q2 2026 data
Rio Bank vs Bank of South Texas
Metric by metric
| Measure | Rio Bank | Bank of South Texas |
|---|---|---|
| TellerScore | 66 | 86 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 82 | 92 (stronger) |
| Earnings | 56 | 64 (stronger) |
| Funding & liquidity | 66 | 67 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 40th | 90th |
| Total assets | $1.4B | $174.5M |
| Deposits / shares | $1.2B | $141.1M |
| Capital ratio | 10.03% | 16.63% (stronger) |
| Problem loans | 0.53% | 0.23% (stronger) |
| Net charge-offs | 0.14% | 0.00% (stronger) |
| Return on assets | 0.91% | 1.10% (stronger) |
| Loans ÷ deposits | 70.8% (stronger) | 88.2% |
| Uninsured deposits | 35.5% | 19.7% (stronger) |
| Offices | 22 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.0% | — |
Bank of South Texas has the higher TellerScore (86 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Rio Bank leads on 1 and Bank of South Texas on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.