FIRST NATIONAL BANK OF RIVER FALLS, THE

RIVER FALLS, WI | Small | Est. Jan. 4, 1904, midnight | FDIC #5364 | RSSD #956255 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF RIVER FALLS, THE is asn small FDIC-insured commercial bank headquartered in RIVER FALLS, WI, established in Jan. 4, 1904, midnight. As of 2025-12-31, the bank reported total assets of $318M and total deposits of $280M. Profitability stands at 0.70% ROA and 9.78% ROE, with a net interest margin of 3.47%. The bank's CET1 capital ratio is 16.32%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.06%. FDIC Certificate #5364.

Assets

$318M

Deposits

$280M

Loans

$168M

Equity

$23M

Profitability

Return on Assets (ROA) 0.70%
Return on Equity (ROE) 9.78%
Net Interest Margin (NIM) 3.47%
Yield on Assets 4.74%
Cost of Funds 1.31%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.06%
NPA Ratio 0.01%
ACL / Loans 1.73%

Capital & Liquidity

CET1 Ratio 16.32%
Tier 1 Capital 16.32%
Total Capital Ratio 17.57%
Leverage Ratio 9.92%
Loan-to-Deposit 59.98%

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