Rio Bank
Mcallen, TX
IDRSSD: 956750
Total Assets
$1.39B
Latest filing
Total Deposits
$1.16B
Latest filing
Net Interest Margin
4.35%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
Rio Bank
701 E Expressway 83
Mcallen, TX 78501
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/11/1985FDIC Certificate 32129
Branches (24)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| Rio Bank (Main) | 701 E Expressway 83 | Mcallen, TX |
| ELSA STATE BANK AND TRUST COMPANY BRANCH | 300 West Edinburg Avenue | Elsa, TX |
| ELSA STATE BANK - RGC BRANCH | 712 W Main St | Rio Grande City, TX |
| ELSA STATE BANK - ROMA BRANCH | 47 E Grant St | Roma, TX |
| ELSA STATE BANK & TR CO-EDCOUCH BRAN | 442 W Santa Rosa Ave | Edcouch, TX |
| NORTH MCALLEN BRANCH | 4120 N Mccoll Rd | Mcallen, TX |
| BLANCO BRANCH | 1108 Main St | Blanco, TX |
| MARBLE FALLS BRANCH | 1001 Highway 1431 | Marble Falls, TX |
Showing 7 of 24
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Greater State Bank
Mcallen, Texas
→
Assets: $176.28MΔ -87.6%
Bank of South Texas
Mcallen, Texas
→
Assets: $160.94MΔ -88.7%
Wallis Bank
Wallis, Texas
→
Assets: $1.41BΔ -1.0%
Central National Bank
Waco, Texas
→
Assets: $1.39BΔ -2.5%
First Texas Bank
Georgetown, Texas
→
Assets: $1.35BΔ -4.9%
The City National Bank of Sulphur Springs
Sulphur Springs, Texas
→
Assets: $1.35BΔ -5.2%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/11/1985 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78501 |
| State and County Number | 48215 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | McAllen-Edinburg-Mission, TX |
Operational Info
| Number of Employees | 287 |
| Domestic Offices | 25 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 05/30/2025 |
| Date of Deposit Insurance | 02/11/1985 |
| Primary Insurance Agency | DIF |
| Website | www.rio.bank |
| Data Updated | 01/30/2026 |
| CERT | 25886 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.39B |
| Total Deposits | $1.16B |
| Total Liabilities | $1.24B |
| Total Equity Capital | $149.76M |
| Net Income | $1.53M |
| Net Loans and Leases | $780.65M |
| Assets Per Employee ($Millions) | $5.03M |
| Bank Premises and Fixed Assets | $77.05M |
| Cash and Balances due from Depository Institutions | $67.39M |
| Deposits Held in Domestic Offices | $1.16B |
Key Performance Ratios
| Return on Assets (ROA) | 0.43% |
| Return on Equity (ROE) | 4.1% |
| Net Interest Margin | 4.35% |
| Efficiency Ratio | 78.3% |
| Tier 1 Risk-Based Capital Ratio | 13.877% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.745% |
| Earning Assets to total Assets | 87.86% |
Income and Expense
| Total Interest Income | $19.88M |
| Total Noninterest Income | $2.56M |
| Total Interest Expense | $6.46M |
| Total Noninterest Expense | $13.77M |
| Net Interest Income | $13.42M |
| Pre-tax Net Operating Income | $1.92M |
| Provision for Credit Losses | $300.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.35M |
| Other borrowed funds | $75.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.37M |
| Total Liabilities and Capital | $1.39B |
Securities
| Securities | $396.70M |
| Available-for-sale debt securities | $396.70M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Rio Bank?
$1.39B as of the latest filing.
How much are Rio Bank's total deposits?
$1.16B in total deposits.
Where is Rio Bank located?
Mcallen, TX.
What is the Net Interest Margin?
4.35%.
How many domestic offices does it operate?
25.
When was it established?
02/11/1985.
What is the Return on Assets (ROA)?
0.43%.
How much are total loans and leases?
$780.65M (latest filing).
What is the total interest income (latest filing)?
$19.88M.