Rio Bank (FDIC #25886): Bank Stress & Real-Estate Credit Exposure
Rio Bank (FDIC Cert #25886): bank stress 70/100, elevated, STABLE over 7 days; parent RIO FINANCIAL SERVICES INC.
Rio Bank (#25886) lends in 8 counties across 1 state; Rio Bank (#25886) reaches 170 ZIP codes: Texas 8 counties, 170 ZIPs.
Rio Bank (#25886) largest markets: Bexar County, TX (234 branches, 78 ZIPs) (#25886), Hidalgo County, TX (330 branches, 30 ZIPs) (#25886), Cameron County, TX (34 branches, 17 ZIPs) (#25886), Hays County, TX (14 branches, 14 ZIPs) (#25886), Burnet County, TX (13 branches, 13 ZIPs) (#25886), Starr County, TX (22 branches, 11 ZIPs) (#25886).
Rio Bank (#25886) reports $1.42 billion in total assets; Rio Bank (#25886) equity $150.7 million (10.6% of Rio Bank (#25886) assets); Rio Bank (#25886) domestic deposits $1.19 billion; Rio Bank (#25886) net income $6.4 million; Rio Bank (#25886) return on assets 0.91%; Rio Bank (#25886) return on equity 8.55%; Rio Bank (#25886) net interest income $26.9 million; Rio Bank (#25886) call report June 30, 2026.
Rio Bank (#25886) noncurrent real-estate loans: none reported; Rio Bank (#25886) net charge-offs on real estate 0.65%; Rio Bank (#25886) residential charge-offs 0.05%.
Rio Bank (#25886) net interest margin 4.34% against an eight-quarter Rio Bank (#25886) average of 4.09% (Rio Bank (#25886) compression -0.25 points); Rio Bank (#25886) real-estate loans 0.3% of equity; Rio Bank (#25886) non-residential real estate 5.1% of equity; Rio Bank (#25886) rate-exposure score 40/100, Rio Bank (#25886) fixed-rate trap 40/100; Rio Bank (#25886) risk type credit driven; Rio Bank (#25886) rate regime rates elevated, Rio Bank (#25886) snapshot October 20, 2026.
Rio Bank (#25886) stress score moved from 69.2 on June 22, 2026 to 70.3 on October 20, 2026; Rio Bank (#25886) ranged 69.2 to 70.3 over 117 snapshots.
Rio Bank (#25886) alerts: 8 counties; top Rio Bank (#25886) alert scores: Dripping Springs County, TX 21 (low); Fredericksburg County, TX 21 (low); Harlingen County, TX 21 (low); Johnson City County, TX 21 (low); Marble Falls County, TX 21 (low).