The First National Bank of River Falls: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank of River Falls of River Falls, WI against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.24% | 1.34% | -0.10% | 48th below |
| ROAE | 17.73% | 13.31% | +4.42% | 79th top |
| Net Interest Margin | 3.33% | 3.93% | -0.60% | 21st bottom |
| Efficiency Ratio | 63.13% | 61.14% | +1.99% | 45th below |
| PPNR / Avg Assets | 1.25% | 1.68% | -0.43% | 31st below |
| Yield on Earning Assets | 4.47% | 5.67% | -1.20% | 8th bottom |
| Cost of Funds | 1.22% | 1.88% | -0.66% | 84th top |
| Net Interest Spread | 2.96% | 3.32% | -0.36% | 31st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.38% | 0.94% | -0.56% | 52nd above |
| NPA / Total Assets | 0.20% | 0.70% | -0.50% | 60th above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 89th top |
| ACL / Total Loans | 1.72% | 1.28% | +0.44% | 88th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 454.38% | 1539.05% | -1084.67% | 69th above |
| Texas Ratio | 2.47% | 7.33% | -4.86% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.79% | 19.50% | -2.71% | 62nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.79% | 19.54% | -2.75% | 62nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.04% | 20.62% | -2.58% | 63rd above |
| Leverage Ratio | 10.06% | 12.14% | -2.08% | 33rd below |
| Equity / Assets | 7.19% | 11.38% | -4.19% | 8th bottom |
| TCE / Tangible Assets | 7.19% | 11.09% | -3.90% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 58.93% | 80.64% | -21.71% | 85th top |
| Core Deposit Ratio | 95.79% | 86.86% | +8.93% | 88th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.69% | 5.03% | -1.34% | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.42% | 6.85% | -5.43% | 28th below |
| Loan Growth (Y/Y) | -0.90% | 7.91% | -8.81% | 19th bottom |
| Deposit Growth (Y/Y) | 2.97% | 6.29% | -3.32% | 43rd below |
See The First National Bank of River Falls's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of River Falls, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The First National Bank of River Falls profile, how to read a UBPR, or how this data updates.