The First National Bank of River Falls: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 7.91 percentage points higher than in Q1 2026, at 454.38%. The First National Bank of River Falls ranks 86th of 153 Wisconsin banks on return on assets, in the lower half at 1.24% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets; The First National Bank of River Falls reported 1.24% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.79% |
| Tier 1 risk-based capital ratio | 16.79% |
| Total risk-based capital ratio | 18.04% |
| Tier 1 leverage ratio | 10.06% |
| Equity capital to assets | 7.19% |
| Tangible equity to tangible assets | 7.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.38% |
| Non-performing assets ratio | 0.20% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 2.47% |
| Allowance for credit losses to loans | 1.72% |
| Reserve coverage of non-performing loans | 454.38% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.24% |
| Return on equity | 17.73% |
| Net interest margin | 3.33% |
| Efficiency ratio | 63.13% |
| Yield on earning assets | 4.47% |
| Cost of funds | 1.22% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 58.93% |
| Core deposits to total deposits | 95.79% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.11% |
| Securities to assets | 37.15% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.29% | 18.29% | 19.55% | 9.94% | 0.57% |
| Q4 2023 | 17.12% | 17.12% | 18.38% | 9.91% | 0.27% |
| Q1 2024 | 17.14% | 17.14% | 18.39% | 9.92% | 0.77% |
| Q2 2024 | 16.58% | 16.58% | 17.84% | 9.91% | 0.70% |
| Q3 2024 | 16.30% | 16.30% | 17.55% | 9.95% | 0.67% |
| Q4 2024 | 16.04% | 16.04% | 17.29% | 9.69% | 0.46% |
| Q1 2025 | 16.01% | 16.01% | 17.26% | 9.64% | 0.77% |
| Q2 2025 | 16.09% | 16.09% | 17.35% | 9.73% | 0.95% |
| Q3 2025 | 16.38% | 16.38% | 17.63% | 9.94% | 1.17% |
| Q4 2025 | 16.32% | 16.32% | 17.57% | 9.92% | 0.68% |
| Q1 2026 | 16.71% | 16.71% | 17.97% | 9.92% | 1.25% |
| Q2 2026 | 16.79% | 16.79% | 18.04% | 10.06% | 1.24% |
The First National Bank of River Falls vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of River Falls, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)