About Us

At Rio Bank it is really about our vision, our people, and our history. These are the elements that truly make up
the fabric of Rio Bank. Please take a moment to get to know us better, and we trust you will see why
we believe Rio Bank is "Your Kind of Bank. Your Kind of Banker."

Our Story

Our Story

Rio Bank opened its doors for business in February of 1985. It began as a retail-oriented bank primarily catering to consumers for both deposit and loan business. In 1995, the bank opened its second banking center in North McAllen. The original ownership and management have changed since that time as well as the focus and direction of the bank. In late April of 1999, the bank had a change in management.

Ford Sasser, President and CEO, came to the bank in late April of 1999. Mr. Sasser made significant changes in lending personnel while at the same time outlined a new vision and direction for the bank. Rio Bank has become a more commercial oriented bank. New products and services continue to be introduced.

In 2002, the bank opened two new banking centers. The first was in San Juan and the second in Palmview. Because of the change in strategy that began in 1999, coupled with the additional offices, the bank has seen significant growth in its total assets.

In 2005, the bank opened a new banking center in Brownsville and in 2009 opened a new banking center in Weslaco.

Rio Bank is located in communities along the Mexican border in deep South Texas. Many of the bank's customers are from Mexico. The McAllen, Mission, Edinburg Metropolitan Statistical Area (MSA) is one of the fastest growing MSA in the United States, and the Brownsville economy is also fast growing.

Rio Bank thanks you for the opportunity to tell our story. We are excited about what is going on at our bank and welcome the opportunity for you to become part of our growing family.

The bank has eight locations. The main office, which is the original location, is on 23rd Street, just north of Pecan in McAllen. The second location is at Nolana and McColl in North East McAllen. The third location is in San Juan on Hwy 495 between I Road and Raul Longoria Road. The fourth location is in Palmview at Bentsen Palm Drive and Hwy 495. The fifth location is in Brownsville at Old Highway 77. The sixth location is in South McAllen on Jackson and McColl and the seventh location is in Weslaco at Westgate and Pike. The eighth location is in Harlingen on Stuart Place Rd and Expressway 83.

Our Mission

Our goal is to help our community grow by providing a variety of world-class financial products and services. We emphasize strong customer relationships and a high level of community involvement. Our team is dedicated to delivering the the best possible service to the communities we serve.

Our Culture

Our company was founded with a commitment to honesty, integrity, and quality service. We take pride in our strong reputation as we remain committed to investing in our community. We understand our customers' needs and seek to deliver a truly exceptional experience.


Rio Bank recognizes a successful organization includes diversity policies and practices in its business activities and such we strive to include diversity in our employment and vendor procurement practices. Rio Bank is committed to practicing in conferences, workshops and other events to attract minorities and women. Vendors used by the company are primarily local in our communities and we strive to consider female owned and minority owned businesses whenever possible.

The company is committed to supporting our communities through volunteering with civic organizations. In addition, we have had a practice for many years of matching the employee donations to organizations that provide services to others.

Giving Back

Our New Lending Team

Our new lending team is committed to providing opportunities for our customers throughout their financial lives.

Cesar Gonzalez

Cesar Gonzalez SVP Starr County Market President

Ramon Gonzales

Ramon Gonzales SVP Mid Valley Market President

Benito Garcia

Benito Garcia SVP Elsa Banking Center President

Omar Garcia

Omar Garcia VP Loan Officer

Juan Enrique Guajardo

Juan Enrique Guajardo AVP Loan Officer

Sergio Guerra

Sergio Guerra VP RGC Banking Center President

Mary Jane Marroquin

Mary Jane Marroquin AVP Loan Officer

Mirtha Garcia

Mirtha Garcia VP Loan Officer

Maria Rosario Montemayor

Maria Rosario Montemayor AVP Loan Officer

Eugenio Reyes

Eugenio Reyes AVP Loan Officer

Gerardo Salazar

Gerardo Salazar VP Loan Officer

Rene Reyna

Rene Reyna AVP Loan Officer

Latest News & Announcements

Find out what's happening in the community.

New Name, Same Us TV Spot

Latest News | 09.06.2018

We are pleased to announce that Elsa State Bank & Trust has been acquired by Rio Bank. Elsa State Bank will begin operating as Rio Bank on September 1, 2018.

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How to Protect Your Online Banking Account from Cyber Criminals

Latest News | 11.02.2016

The number of people using internet banking services has increased significantly and now they are the favorite target of cyber criminals.

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Educate Your Employees about Cyber Security

Latest News | 11.01.2016

Whether you are an employee or an employer, cyber security isn't something you can ignore.

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Effective Strategies to Protect Your Small Business from Cyber Crime

Latest News | 10.31.2016

Cyber criminals are using sophisticated tools and strategies to steal your personal and financial information.

Read more