Bank Comparison
River Falls State Bank vs First Farmers & Merchants National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | River Falls State Bank | First Farmers & Merchants National Bank |
|---|---|---|
| CET1 Ratio | — | 11.53% |
| Tier 1 Capital Ratio | — | 11.53% |
| Total Capital Ratio | — | 12.64% |
| Tier 1 Leverage Ratio | 11.49% | 10.07% |
| Equity / Assets | 9.76% | 9.52% |
Profitability
| Metric | River Falls State Bank | First Farmers & Merchants National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.02% | 0.94% |
| Return on Equity (ROE) | 10.48% | 10.13% |
| Net Interest Margin (NIM) | 3.46% | 3.91% |
| Yield on Earning Assets | 4.98% | 5.88% |
| Cost of Funds | 1.60% | 2.21% |
Asset quality
| Metric | River Falls State Bank | First Farmers & Merchants National Bank |
|---|---|---|
| Texas Ratio | 1.51% | 2.70% |
| Non-Performing Loan Ratio | 0.21% | 0.07% |
| Non-Performing Asset Ratio | 0.16% | 0.06% |
| Net Charge-Off Ratio | 0.00% | 0.38% |
| ACL / Loans | 1.26% | 1.16% |
Balance sheet
| Metric | River Falls State Bank | First Farmers & Merchants National Bank |
|---|---|---|
| Total Assets | $141,035K | $141,184K |
| Total Deposits | $125,735K | $119,460K |
| Total Loans | $107,200K | $118,352K |
| Total Equity | $13,760K | $13,440K |
| Net Income (quarter) | $357 | $340 |
Liquidity & funding
| Metric | River Falls State Bank | First Farmers & Merchants National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 85.26% | 99.07% |
| Core Deposit Ratio | 94.58% | 95.52% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | River Falls State Bank | First Farmers & Merchants National Bank |
|---|---|---|
| Headquarters City | RIVER FALLS | FAIRMONT |
| Headquarters State | WI | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 22351 |
| Regulator | FDIC | OCC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 22 | 16 |
| Established | Oct. 3, 1949, midnight | Sept. 7, 1990, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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