# RIO BANK
MCALLEN, TX · FDIC certificate 25886 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.42B | |
| Deposits | $1.19B | |
| Loans and leases | $850.9M | |
| Total equity | $150.7M | |
| Loans / deposits | 70.81% (p17 of band) | 87.10% |
| Liquid assets / assets | 30.22% (p76 of band) | |
| Uninsured deposits / deposits | 35.54% (p63 of band) | 30.76% |
| Brokered deposits | 1.82% | |
| Wholesale funding | 7.44% (p55 of band) | |
| FHLB advances / assets | 5.62% | |
| Tier 1 leverage | 10.03% (p38 of band) | 10.50% |
| Unrealized securities loss / equity | -14.40% (p30 of band) | -7.75% |
| AOCI / equity | -2.76% (p2 of band) | |
| ROA (annualized) | 0.91% (p24 of band) | 1.26% |
| Net interest margin | 4.34% (p82 of band) | 3.70% |
| Efficiency ratio | 71.17% (p81 of band) | |
| Noncurrent loans | 0.53% (p51 of band) | 0.51% |
| Net charge-offs (annualized) | 0.08% (p72 of band) | |
| Reserve coverage of noncurrent | 228.19% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 98.84% (p87 of band) | |
| Auto loans | $593,000 (0.07% of loans; DQ 7.08%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 4.4% | |
| Employees | 267 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 5 | losing money, expense ratio p90, uninsured deposits leaving |  |
| 2012-06 | 1 |  | construction >100% equity, reserve under noncurrent, losing money, expense ratio p90 |
| 2012-09 | 2 | capital falling, construction >100% equity | uninsured deposits leaving |
| 2012-12 | 1 |  | construction >100% equity |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 | capital falling | reserve under noncurrent |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 1 |  | charge-offs p90 |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | reserve under noncurrent |  |
| 2017-06 | 3 | capital falling, noncurrent p90 |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 1 |  | noncurrent p90 |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 2 | capital falling, expense ratio p90 |  |
| 2018-12 | 0 |  | capital falling, expense ratio p90 |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | noncurrent p90 |  |
| 2020-06 | 3 | charge-offs p90 |  |
| 2020-09 | 4 | capital falling |  |
| 2020-12 | 3 |  | capital falling |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | noncurrent p90, charge-offs p90 |
| 2021-09 | 1 | capital falling | reserve under noncurrent |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 | capital falling |  |
| 2022-12 | 2 |  | capital falling |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking, assets shrinking |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 1 |  | deposits shrinking, assets shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 3 | securities losses >30% of equity, construction >100% equity |  |
| 2025-03 | 1 |  | capital falling, securities losses >30% of equity |
| 2025-06 | 0 |  | construction >100% equity |
| 2025-09 | 1 | expense ratio p90 |  |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 0 |  | expense ratio p90, capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-11 [Rio Bank Executive Says Bank On INT Helps Retain Local Talent - Texas Border Business](https://news.google.com/rss/articles/CBMimgFBVV95cUxPWEhmbm42ZTNrWDVFQjc0VFdrcXVpTDhOZEtrUGVENXZuWVBiU1FPZVludF9WbVdKX2FCVFI0Tk45ZHo0QUNad3J5dnZUdUstTVpuVlZQeHZ2R0tHUHRaelVPcG1vTF81cldYS1RRRjAySUowVXZjSWV4bHZReVFnXy1NZUVnOWRlSmRab2lad1phcWdVV0R5OWVn?oc=5) · Texas Border Business
- 2026-07-10 [Texas bank clears key hurdle in branch dispute with Hill Country city - San Antonio Express-News](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNNUFESUZxS1hPREc1ZHhoSHRta3c3YTJaVkNxNzVFNXlzbjFzMF8xdE9OczV4YnJXakFDNDduRU4ydkNoNXUtQ2U3SWkzbzZDbkh3Mk5qZW5PNWpZUWdleEVSRlJXVkk1N0JnTVY3bV9CQUprOGZuQTdabG9HNTVScEZkazVKci1EQmxPekp0Q1JxRTdRcFIxSFRmMkR1V014SUI2bi1YcFNLNVE?oc=5) · San Antonio Express-News
- 2026-03-19 [Texas banks split between mergers and independence - San Antonio Business Journal - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxQTFhpUFVSczl3UERJMWZLUmR5b1pFblFGalB0VEtWRHVSSDg1bVNTeVphTExscFZnSVg3S3RrM3puRXJDSTZINXhmSWhMcmJ5SXZwNmJZSFVIc0NrQnFSQ0xqRXhFYkJUZk1fLUJzY1ZnR1piTWRfSDRjajRxUWhDVHV5eE9BV21ZUDgxc1N4aHdNTFFwQnBteXA5WlNKTlkzNWpFeGNRSFI4NlhPQktv?oc=5) · The Business Journals
- 2026-04-27 [Ford Sasser of Rio Bank was inducted into the Texas Bankers Hall of Fame - Texas Border Business](https://news.google.com/rss/articles/CBMiugFBVV95cUxNNzBkNjhTeDlFVlNVaHE0cTJrYWZRNUJJUU1pQmtyMGZ1ZFVXT3hNOUlwTWFwTGZNZlhMeHF5WENvZ2UzemF5OVp5aUE3NEs5VTRHMkhQUVZocG5VTzZyd0JjeC1SbFQ3MHViOWdSWmRWUWxLUTBoNGZRX0ZwajEtLTVyNXkzZXFPZllSN1lhYnd6ak9oaHFaYnpTYWR5S19OVjJlMW1HVjE2T1FZWTVvd2djMUJoZnM5ZVE?oc=5) · Texas Border Business
- 2024-04-02 [The Community Bank That’s Powering One of the Fastest Growing Regions in America - jpmorganchase.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9xTTc5M0pmSzJxeXRVRFU5RFJuRGtIZUxrQmU4akF5ODlYYTFCTFNTVzVHcDY5Q2pmSTU2OEpBSmgyLXVBQlZnYVZnZ2pOU1dJOGRPNkxBM0NOR0dlN1lmbnR4YUVFUQ?oc=5) · jpmorganchase.com
- 2023-04-27 [Texas bank, trade group sue CFPB over small-business data collection rule - Banking Dive](https://news.google.com/rss/articles/CBMitwFBVV95cUxQdExJOVJxMnk0SElCNWktTUd3VGxpVkxWX0RxNFE3dTBjUGxZLWdpWG1za185Q0ZGSDJMUGFqc1VpUzZiUXRqb2x1dy0yRHVGWmJpbUhMYnUtRHRMdzk1Q1F1bU5Kd1ZTOHZKZ0NsUDVYdVp2RjlKZUdoREJidk9KWlBfeVZDb1BsZ0tkY1EwcVMyUjZTb0g1OXl2RWZsV1p3U3BqMkRNZjZ2QThVVUthX013YnlMZm8?oc=5) · Banking Dive
- 2025-07-31 [Dripping Springs Lone Star Capital Bank is now Rio Bank - Community Impact](https://news.google.com/rss/articles/CBMixgFBVV95cUxQS2drTlB1MGFEaUdzLTZzRzhJZnVENGt6c3cyS2RhQTZVMEFmNkgxeFB4VnVXdFFHckotajVtM1daQVdmcEt6c3UzMXFMSEQwTkw1ODdPRGdjODY3VWVpVHZ4MXlMTEtTNGNRMzJ5RHhkUUZaTGxHeXc2eUtTdkNFTzVGZTFuNjhUZVg0c3Qwa3BPX004d2pWbXltRzZsVDFGUlN0aXZzT3hQRF9kSnh2bjQ2dVRWRUphWF9pTXlMZGZCMVZOSGc?oc=5) · Community Impact
- 2025-05-09 [An interview with Brian Humphreys, president of Rio Bank - Rio Grande Guardian](https://news.google.com/rss/articles/CBMioAFBVV95cUxNanVUZ3dNR2ZCTzdNU3JFZUw3M0dxMk1fT0dZQ3V1Q1RicEVsVjBjbXZIdFZYa2VYQk1fQ1hoWDNFMlVhcVhkWVEyMkNqbUhxamVacW0tWVZtdXM3S3o4UjBlaklnQm0yaTFQNTNyRXp5Z2xrSzZQOVhIUWwxZmxSMUNxZWhtLXdPRTAwUmdySGhDekdpQUw3UFMtTzZydkM3?oc=5) · Rio Grande Guardian

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=25886 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/30.json (key "25886", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide