BlastPoint's Banking Scorecard
Rio Bank
Community
Specialty: Commercial
TX
FDIC cert 25886
Mcallen, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Rio Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.16% above tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+47.4% YoY
-2.0% QoQ
|
+$2.3M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$780.7M
+62.9% YoY
+0.7% QoQ
|
-$194.8M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$1.2B
+51.8% YoY
-1.8% QoQ
|
-$13K |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
0.54%
-40.5% YoY
-6.0% QoQ
|
-0.62% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
4.14%
-1.0% YoY
+3.7% QoQ
|
+0.47% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
80.27%
+10.9% YoY
-1.0% QoQ
|
+17.64% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.60%
+97.3% YoY
+11.4% QoQ
|
-0.02% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
67.03%
+7.3% YoY
+2.6% QoQ
|
-16.03% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
36.21%
-7.0% YoY
-1.0% QoQ
|
+15.16% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.44%
+152.3% YoY
+11.5% QoQ
|
-0.06% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
13.88%
+0.7% YoY
+2.7% QoQ
|
+3.63% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.71%
-33.6% YoY
+38.0% QoQ
|
-0.03% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Community
Why this stands out
Current:
36.21%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (1)
Efficiency Drag
risk
#6 of 152 · Bottom 3% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
80.27%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.21% · Tier avg: 21.05%
84
84th pctile
Loan-to-Deposit Ratio
Current: 67.03% · Tier avg: 83.06%
75
75th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.66%
71
71th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.74%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.88% · Tier avg: 10.24%
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
56
56th pctile
Total Loans
Current: $780.7M · Tier avg: $975.5M
43
43th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
40
40th pctile
Delinquency Rate
Current: 0.60% · Tier avg: 0.63%
13
13th pctile
Return on Assets
Current: 0.54% · Tier avg: 1.16%
10
10th pctile
Efficiency Ratio
Current: 80.27% · Tier avg: 62.63%
Top Weaknesses
10
10th pctile
Efficiency Ratio
Current: 80.27% · Tier avg: 62.63%
13
13th pctile
Return on Assets
Current: 0.54% · Tier avg: 1.16%
40
40th pctile
Delinquency Rate
Current: 0.60% · Tier avg: 0.63%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
56
56th pctile
Total Loans
Current: $780.7M · Tier avg: $975.5M
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
67
67th pctile
Tier 1 Capital Ratio
Current: 13.88% · Tier avg: 10.24%
71
71th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.74%
75
75th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.66%
84
84th pctile
Loan-to-Deposit Ratio
Current: 67.03% · Tier avg: 83.06%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.21% · Tier avg: 21.05%