The First National Bank of River Falls
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of River Falls is an FDIC-insured commercial bank headquartered in River Falls, WI, established in 1904 (FDIC certificate 5364), and it is supervised by the OCC. At Q2 2026 it reported total assets of $325.3M, up 1.4% from Q2 2025, the 94th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 16.79% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5364
- Headquarters
- River Falls, WI
- Established
- 1904
- Total assets, Q2 2026
- $325.3M
- Assets vs Q2 2025
- +1.4%
- CET1 ratio, Q2 2026
- 16.79%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 091802877
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of River Falls call report
- Holding company
- FIRST NATIONAL BANCORP OF RIVER FALLS, INC.
- Asset rank in state
- 94th of 153 in Wisconsin
Problem loans are rising at The First National Bank of River Falls. The River Falls, Wisconsin bank had $325 million in assets at June 30, 2026, up 1.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.38% of loans from 0.01% a year earlier. It pays an average of 1.22% on its deposits and borrowings, lower than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 1.80%). It also shrank its loan book 0.9% over the year, lower than about three-quarters of banks its size (median 5.5%).
The commercial and industrial book ($20 million) is worsening: 3.23% of it is past due or on nonaccrual, up from 0.11% a year earlier. Earnings jumped: net income for the quarter was $1.0 million, 30% above the same quarter a year earlier. Its margin is thin by comparison: it keeps 3.33 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.96 cents).
As of June 30, 2026, The First National Bank of River Falls reported a CET1 capital ratio of 16.79%, a return on assets of 1.24%, a nonperforming-loan ratio of 0.38% and a Texas ratio of 2.44%. The figures come from its call report filed with the FFIEC.
The First National Bank of River Falls ranks as the 94th largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.2% to $325.3M, loans rose 2.2% and deposits fell 0.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 27.9% of total loans, ahead of non-owner-occupied commercial real estate loans at 18.4%. The FDIC Summary of Deposits lists 3 offices for it, in River Falls, WI and Prescott, WI; its River Falls 2 offices book 69% of its branch deposits. Judged on its Q2 2026 call report, The First National Bank of River Falls meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 104 E Locust St, River Falls, WI 54022
- County
- Pierce
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 4, 1904
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $286.6M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- -$8K
- Average total assets
- $333.7M
- Average total loans
- $168.0M
- Average interest-bearing deposits
- $225.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5364
- Fed RSSD
- 956255
- SEC CIK
- 1040906 → filed by FIRST NATIONAL BANCORP OF RIVER FALLS, INC.
- Website
- http://www.fnbrf.com →
- Parent Holding Company
- FIRST NATIONAL BANCORP OF RIVER FALLS, INC. (RSSD 2577159)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The First National Bank of River Falls's total assets ranged from $313.0M (Q2 2024) to $325.9M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$325.3M total assets against $320.7M; $301.9M total liabilities against $302.3M.
$166.0M net loans and leases against $167.5M; $286.6M total deposits against $278.3M.
$120.8M securities against $124.1M; $15.5M cash and balances due against $7.9M.
$3.4M total interest income against $3.4M; $903K total interest expense against $1.1M.
$2.5M net interest income against $2.3M.
$457K total noninterest income against $456K; $2.0M total noninterest expense against $1.9M.
No provision recorded in the last 12 quarters.
$1.0M net income against $794K.
1.24% return on assets against 0.95%; 3.33% net interest margin against 2.99%.
16.79% CET1 capital ratio against 16.09%; 10.06% tier 1 leverage ratio against 9.73%.
Inside the full The First National Bank of River Falls terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of River Falls rankings
Its closest position to the top of a national ranking is 611 of 2,134, for CET1 ratio; its furthest is 2,165 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.46% (Q4 2024) to 1.25% (Q1 2026) and its net interest margin ran from 2.68% (Q3 2024) to 3.58% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.79% | 1.24% | 0.38% | 2.44% | 3.33% |
| Q1 2026 | 16.71% | 1.25% | 0.40% | 2.48% | 3.58% |
| Q4 2025 | 16.32% | 0.68% | 0.02% | 0.06% | 3.39% |
| Q3 2025 | 16.38% | 1.17% | 0.02% | 0.07% | 3.13% |
| Q2 2025 | 16.09% | 0.95% | 0.03% | 0.10% | 2.99% |
| Q1 2025 | 16.01% | 0.77% | 0.06% | 0.16% | 2.99% |
| Q4 2024 | 16.04% | 0.46% | 0.05% | 0.15% | 2.84% |
| Q3 2024 | 16.30% | 0.67% | 0.03% | 0.08% | 2.68% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of River Falls | River Falls , WI | 54022 | $197.6M |
| Prescott Branch | Prescott , WI | 54021 | $89.0M |
| Wellhaven Branch | River Falls , WI | 54022 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in WI, rank 98 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 92 applications, 74 loans originated, $31.8M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $233K approved, $116K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First National Bank of River Falls
What are The First National Bank of River Falls's total assets?
As of the Q2 2026 filing, The First National Bank of River Falls reported total assets of $325.3 million in its FFIEC call report.
Where is The First National Bank of River Falls headquartered?
It is headquartered in River Falls, WI, United States.
When was The First National Bank of River Falls founded?
It was established in 1904, per the FDIC institution directory.
Is The First National Bank of River Falls FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5364). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of River Falls?
The First National Bank of River Falls's primary federal regulator is the OCC.
What is The First National Bank of River Falls's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.79% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank of River Falls operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of River Falls's Texas Ratio?
Its Texas Ratio is 2.44% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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