🏦Bank Scorer

RIO BANK

MCALLEN, TX · Supervised by FDIC

Est. 1985FDIC #25,886RSSD: FDIC-25886
Part ofRIO FINANCIAL SERVICES INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.89%

Institution Profile

FDIC BankFind

Address

701 E Expressway 83, MCALLEN, TX

County

Hidalgo County

Established

February 11, 1985

Total Assets

$1.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.4B

Total Deposits

$1.2B

Net Loans

$786M

Net Income

$3M

ROA

0.89%

ROE

8.36%

Risk-Based Capital

15.37%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate12.70%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

23

Branch Deposits

$1.1B

1-Year Change

+7

5-year net change: +9 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246361.9%12.70%
202310064%15.00%
202211974.79%3.36%
202111573.04%9.57%
202011066.36%12.73%
20197771.43%12.99%
20187643.42%26.32%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 2004

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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