TX lenders / Community Bank
Rio Bank
Community Bank · Mcallen, TX · Rio Financial Services Inc
- Total assets
- $1.4B
- CRE loan book
- $471.7M
- QoQ CRE growth
- 3.2%
- Q1 2026
Recorded CRE activity — cameron County
3 commercial deeds of trust recorded recently, verified from county records.
- Jul 8, 2026 · unknownundisclosed
- Jul 8, 2026 · unknownundisclosed
- Jun 26, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.66% as of Q1 2026 — TX bank median 4.87% (2.80pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.66% | 7.58% |
| Q4 2025 | 7.81% | 7.69% |
| Q3 2025 | 7.82% | 7.88% |
| Q2 2025 | 7.17% | 7.18% |
| Q1 2025 | 7.58% | 7.44% |
| Q4 2024 | 8.16% | 7.97% |
| Q3 2024 | 8.18% | 7.98% |
| Q2 2024 | 8.00% | 7.91% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $471.7M | $142.4M | $38.1M | 275% | $0 |
| Q4 2025 | $457.2M | $132.8M | $36.9M | 284% | $602,000 |
| Q3 2025 | $458.8M | $141.3M | $34.9M | 298% | $603,000 |
| Q2 2025 | $451.4M | $118.2M | $33.0M | 276% | $394,000 |
| Q1 2025 | $287.7M | $87.3M | $9.9M | 281% | $501,000 |
| Q4 2024 | $262.5M | $79.0M | $9.7M | 268% | $460,000 |
| Q3 2024 | $248.3M | $67.9M | $8.3M | 254% | $1.5M |
| Q2 2024 | $245.6M | $56.4M | $12.1M | 251% | $1.8M |
Signals
Rio Bank: frequently asked questions
- How large is Rio Bank's commercial real estate loan book?
- As of Q1 2026, Rio Bank reported $471.7M in commercial real estate loans out of $1.4B in total assets, per its FFIEC Call Report.
- Is Rio Bank above the 300% CRE concentration guideline?
- Rio Bank's CRE loans stood at 275% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Rio Bank growing or shrinking its CRE lending?
- Rio Bank's CRE loan book grew 3.2% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Rio Bank in recorded CRE lending?
- 3 commercial deeds of trust naming Rio Bank as lender have been recorded recently in cameron County, verified from county records; the most recent was recorded Jul 8, 2026.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
- Availa BankCommunity Bank · Carroll · $466.9M CRE book
- North Easton Savings BankCommunity Bank · South Easton · $477.1M CRE book
- UniBank for SavingsCommunity Bank · Whitinsville · $481.0M CRE book
- Central Bank IllinoisCommunity Bank · Geneseo · $462.5M CRE book
- Alliance BankCommunity Bank · Sulphur Springs · $459.6M CRE book
Last updated Jul 8, 2026 · Sources: FFIEC CDR, county records, first-party conversations.