Rio Bank is a bank based in Mcallen, Texas, established in 1985, with $1.4 billion in total assets across 25 branches. By Trust Grade it ranks 177th of 349 banks we track in Texas. Its capital ratio of 10.6% is stronger than 55% of similarly sized banks, versus a Texas median of 10.9%. It was profitable over the most recent period, with a 0.89% return on assets. No consumer complaints against Rio Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Rio Bank compares to Texas peers
How we graded Rio Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.6% capital ratio)
- Profitable (ROA 0.89%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Rio Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (25)
- 300 West Edinburg Avenue, Elsa, TX 78543
- 712 W Main St, Rio Grande City, TX 78582
- 47 E Grant St, Roma, TX 78584
- 442 W Santa Rosa Ave, Edcouch, TX 78538
- 4120 N Mccoll Rd, Mcallen, TX 78504
- 1108 Main St, Blanco, TX 78606
- 1001 Highway 1431, Marble Falls, TX 78654
- 401 E. Highway 290 West, Dripping Springs, TX 78620
- 701 E Expressway 83, Mcallen, TX 78501
- 403 Us Highways 281 And 290 South, Johnson City, TX 78636
- 3124 E Business 83, Weslaco, TX 78596
- 401 W Fm 495, San Juan, TX 78589
- 401 N Bentsen Palm Dr, Mission, TX 78574
- 621 W University Dr, Edinburg, TX 78539
- 15142 San Pedro Ave, San Antonio, TX 78232
- 3401 Old Highway 77, Brownsville, TX 78520
- 720 E Jackson Ave, Mcallen, TX 78501
- 1000 N Westgate Dr, Weslaco, TX 78596
- 601 S Stuart Place Rd, Harlingen, TX 78552
- 1655 N 23rd St, Mcallen, TX 78501
- 200 Austin Hwy, San Antonio, TX 78209
- 5700 Broadway, San Antonio, TX 78209
- 610 West Main Street, Fredericksburg, TX 78624
- 150 N Loop 1604 E, San Antonio, TX 78232
- 19223 Stone Oak Pkwy, San Antonio, TX 78258
Are deposits at Rio Bank insured?
Yes. Rio Bank is an FDIC-insured bank (FDIC certificate #25886). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Rio Bank: frequently asked questions
Is Rio Bank a good bank?
Rio Bank earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 97/100 (it has no CFPB complaints on record). Strongly capitalized (10.6% capital ratio); Profitable (ROA 0.89%).
Is Rio Bank FDIC-insured?
Yes. Rio Bank is a FDIC-insured bank (FDIC certificate #25886). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Rio Bank?
Rio Bank holds $1.4 billion in total assets, ranking 177th of 349 banks we track in Texas. It operates 25 branches.
Does Rio Bank have CFPB complaints?
No CFPB complaints against Rio Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
