| Metric | Rio Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +5.5% | -4.2 pts |
| Deposit growth (YoY) | +4.4% | +5.1% | -0.7 pts |
| Loan growth (YoY) | +8.3% | +5.9% | +2.4 pts |
| ROA | 0.91% | 1.26% | -0.4 pts |
| ROE | 8.6% | 12.2% | -3.6 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.42B | $1.19B | $840.7M | $150.7M | $6.4M | 0.91% | 4.34% | 0.41% |
| Q1 2026 | $1.43B | $1.19B | $786.0M | $150.5M | $3.1M | 0.89% | 4.32% | 0.39% |
| Q4 2025 | $1.39B | $1.16B | $780.7M | $149.8M | $6.7M | 0.54% | 4.14% | 0.43% |
| Q3 2025 | $1.42B | $1.19B | $775.5M | $148.4M | $5.2M | 0.58% | 3.99% | 0.39% |
| Q2 2025 | $1.41B | $1.14B | $776.0M | $141.6M | $3.7M | 0.67% | 3.71% | 0.37% |
| Q1 2025 | $974.6M | $762.3M | $507.6M | $83.6M | $1.6M | 0.67% | 3.88% | 0.27% |
| Q4 2024 | $945.4M | $767.3M | $479.2M | $75.7M | $8.1M | 0.91% | 4.18% | 0.17% |
| Q3 2024 | $936.4M | $748.0M | $441.1M | $83.6M | $6.1M | 0.94% | 4.19% | 0.23% |
Loan mix (Q2 2026): real estate $672.3M · commercial $160.0M · consumer $4.7M · securities $346.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Rio Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | — | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | — | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.34% | — |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.2% | — | 81th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Rio Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Rio Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Rio Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Rio Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.