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Rio Bank
Mcallen, TX · FDIC Certificate #25886 · Chartered 02/1
Total assets
$1.42B
Total deposits
$1.19B
Total equity
$150.73M
Net loans
$840.65M
Branches (offices)
23
Net income (YTD)
$6.43M
Rank: #776 of 4,213 U.S. banks by assets · #66 of 346 in Texas. Assets changed 1.3% and deposits 4.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.91% |
| Return on equity | 8.55% |
| Net interest margin (YTD) | 4.34% |
| Equity to assets | 10.59% |
| Tier 1 leverage ratio | 10.03% |
| Uninsured deposits (share of deposits) | 35.5% |
| Noncurrent loans (share of loans) | 0.53% |
| Net charge-offs (share of loans) | 0.14% |
| Loans to deposits | 70.8% |
| Real estate loans (share of loans) | 80.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $672.29M | 80.0% | |
| Commercial & industrial | $160.05M | 19.0% | |
| Consumer / individual | $4.69M | 0.6% | |
| Construction & development | $148.98M | 17.7% | |
| Agricultural | $3.74M | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $866.91M | $805.77M | $2.62M | $58.50M |
| Jun 2023 | $803.30M | $736.70M | $3.68M | $63.13M |
| Jun 2024 | $883.90M | $758.11M | $3.95M | $74.12M |
| Jun 2025 | $1.41B | $1.14B | $3.69M | $141.63M |
| Jun 2026 | $1.42B | $1.19B | $6.43M | $150.73M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.19B | 23 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.19B.
Similar-sized banks
Peoples Bank Of Alabama ($1.42B) · Citizens Bank ($1.42B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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