RIVER FALLS STATE BANK

RIVER FALLS, WI | Small | Est. Oct. 3, 1949, midnight | FDIC #16840 | RSSD #955753 | FDIC
Latest Report: 2025-12-31

RIVER FALLS STATE BANK is asn small FDIC-insured commercial bank headquartered in RIVER FALLS, WI, established in Oct. 3, 1949, midnight. As of 2025-12-31, the bank reported total assets of $138M and total deposits of $122M. Profitability stands at 0.88% ROA and 9.17% ROE, with a net interest margin of 3.53%. The bank's CET1 capital ratio is 9.80%. Asset quality metrics show a non-performing loan ratio of 0.04% and a Texas Ratio of 0.25%. FDIC Certificate #16840.

Assets

$138M

Deposits

$122M

Loans

$104M

Equity

$13M

Profitability

Return on Assets (ROA) 0.88%
Return on Equity (ROE) 9.17%
Net Interest Margin (NIM) 3.53%
Yield on Assets 5.23%
Cost of Funds 1.74%

Asset Quality

NPL Ratio 0.04%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.25%
NPA Ratio 0.03%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 9.80%
Tier 1 Capital 9.80%
Total Capital Ratio 10.29%
Leverage Ratio 11.04%
Loan-to-Deposit 85.64%

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