The First National Bank of River Falls: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 5.74 percentage points in Q2 2026, from 39.67% to 45.41%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of River Falls has the 10th lowest loan-to-deposit ratio of the 153 banks headquartered in Wisconsin, at 58.93% as of Q2 2026. The First National Bank of River Falls reported 58.93% on loan-to-deposit ratio for Q2 2026, 21.91 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $168.9M |
| Net loans and leases | $166.0M |
| Loans held for sale | $167K |
| Loans to total assets | 51.92% |
| Loan-to-deposit ratio | 58.93% |
| Net loans to equity capital | 7.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.17% |
| Multifamily (5+ residential) | 14.48% |
| Commercial and industrial | 11.71% |
| Consumer | 2.93% |
| Credit cards | 0.04% |
| Farm | 1.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.38% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 197.83% |
| Construction concentration (Tier 1 capital + allowance) | 45.41% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.98% |
| Interest income on loans | $2.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $144.2M | $291.3M | 37.48% | 11.97% | 1.57% |
| Q4 2023 | $149.5M | $284.0M | 37.70% | 8.74% | 2.97% |
| Q1 2024 | $150.4M | $289.0M | 37.20% | 9.28% | 2.73% |
| Q2 2024 | $157.6M | $282.7M | 37.38% | 10.45% | 2.68% |
| Q3 2024 | $160.8M | $275.2M | 36.03% | 9.83% | 2.64% |
| Q4 2024 | $164.9M | $264.6M | 34.86% | 11.68% | 2.75% |
| Q1 2025 | $168.0M | $278.7M | 32.93% | 11.88% | 2.69% |
| Q2 2025 | $170.4M | $278.3M | 33.66% | 11.98% | 2.73% |
| Q3 2025 | $171.8M | $282.7M | 31.57% | 11.81% | 2.84% |
| Q4 2025 | $167.7M | $279.6M | 32.42% | 11.07% | 2.82% |
| Q1 2026 | $165.3M | $287.9M | 31.55% | 11.57% | 2.97% |
| Q2 2026 | $168.9M | $286.6M | 30.17% | 11.71% | 2.93% |
The First National Bank of River Falls loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of River Falls, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First National Bank of River Falls profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5364) · FFIEC NIC profile (RSSD 956255)