River Bank
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Data as of · sourced from FFIEC call reports. How we update
River Bank is an FDIC-insured commercial bank headquartered in Stoddard, WI, established in 1911 (FDIC certificate 14995), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.02B, up 1.2% from Q2 2025, the 31st largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 14.39% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14995
- Headquarters
- Stoddard, WI
- Established
- 1911
- Total assets, Q2 2026
- $1.02B
- Assets vs Q2 2025
- +1.2%
- CET1 ratio, Q2 2026
- 14.39%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 075907374
- Latest call report
- Q2 2026, FFIEC 051 · River Bank call report
- Holding company
- RIVER HOLDING COMPANY
- Asset rank in state
- 31st of 153 in Wisconsin
River Bank leans heavily on commercial real estate. It reported $1.0 billion in assets at June 30, 2026, up 1.2% from a year earlier. It holds commercial real estate loans worth 4.6 times its capital, about double the median of 2.2 times for the 895 banks with $1 billion to $10 billion in assets. It also keeps 2.98 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
Earnings jumped: net income for the quarter was $3.7 million, 78% above the same quarter a year earlier. Its $235 million non-owner-occupied commercial real estate book is improving, with 0.50% past due or on nonaccrual, down from 1.62% a year earlier.
As of June 30, 2026, River Bank reported a CET1 capital ratio of 14.39%, a return on assets of 1.44%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 1.06%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, River Bank is the 31st largest of the 153 banks headquartered in Wisconsin. From Q1 2026 to Q2 2026, its total assets fell 3.2% to $1.02B, loans rose 0.6% and deposits fell 4.9%. The largest part of its loan book on June 30, 2026 was multifamily loans, at 40.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 27.6%. The FDIC Summary of Deposits lists 13 offices for it, in 11 cities in WI; its La Crosse 2 offices book 35% of its branch deposits. Judged on its Q2 2026 call report, River Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 145 N Main St, Stoddard, WI 54658
- County
- Vernon
- Metro Area
- La Crosse-Onalaska, WI-MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 11, 1911
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 112
- Domestic deposits
- $755.7M
- Allowance for credit losses
- $11.6M
- Net charge-offs (YTD)
- $0
- Average total assets
- $1.03B
- Average total loans
- $856.6M
- Average interest-bearing deposits
- $762.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 14995
- Fed RSSD
- 279842
- Website
- https://www.riverbank.biz →
- Parent Holding Company
- RIVER HOLDING COMPANY (RSSD 2486813)
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
River Bank's total assets moved between a low of $1.01B (Q2 2025) and a high of $1.07B (Q4 2023) from Q3 2023 to Q2 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
$1.02B total assets against $1.01B; $893.9M total liabilities against $891.7M.
$841.3M net loans and leases against $825.2M; $755.7M total deposits against $742.8M.
$77.3M securities against $76.1M; $72.9M cash and balances due against $77.3M.
$12.4M total interest income against $11.4M; $5.0M total interest expense against $5.8M.
$7.4M net interest income against $5.6M.
$293K total noninterest income against $275K; $3.7M total noninterest expense against $3.4M.
$186K provision for credit losses against $375K.
$3.7M net income against $2.1M.
1.44% return on assets against 0.82%; 2.98% net interest margin against 2.28%.
14.39% CET1 capital ratio against 13.78%; 12.02% tier 1 leverage ratio against 11.37%.
Inside the full River Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
River Bank rankings
Its closest position to the top of a national ranking is 547 of 3,606, for efficiency ratio; its furthest is 2,647 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.41% (Q4 2024) to 1.52% (Q4 2025) and its net interest margin ran from 1.92% (Q3 2024) to 2.98% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.39% | 1.44% | 0.16% | 1.06% | 2.98% |
| Q1 2026 | 14.31% | 0.85% | 0.21% | 1.38% | 2.86% |
| Q4 2025 | 14.18% | 1.52% | 0.27% | 1.46% | 2.78% |
| Q3 2025 | 13.94% | 1.05% | 0.24% | 1.28% | 2.44% |
| Q2 2025 | 13.78% | 0.82% | 0.24% | 1.32% | 2.28% |
| Q1 2025 | 13.83% | 0.73% | 0.28% | 1.58% | 2.04% |
| Q4 2024 | 13.37% | 0.41% | 0.28% | 1.67% | 2.01% |
| Q3 2024 | 12.97% | 0.52% | 0.23% | 1.31% | 1.92% |
Swipe the table sideways to see every column.
Branch Network
View all 13 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 |
|---|---|---|---|
| La Crosse Branch | La Crosse , WI | 54601 | $215.0M |
| Sparta Branch | Sparta , WI | 54656 | $111.4M |
| Downtown Sparta Branch | Sparta , WI | 54656 | $73.1M |
| Holmen Branch | Holmen , WI | 54636 | $68.6M |
| La Crosse Branch | La Crosse , WI | 54603 | $53.2M |
| Farmers State BankBranch | Bangor , WI | 54614 | $50.6M |
| Westby Branch | Westby , WI | 54667 | $40.3M |
| Union Bank Br | Tomah , WI | 54660 | $31.6M |
| River Bank (main office) | Stoddard , WI | 54658 | $29.2M |
| Coon Valley Branch | Coon Valley , WI | 54623 | $26.4M |
| Leonard Street Branch | West Salem , WI | 54669 | $19.4M |
| Ferryville Branch | Ferryville , WI | 54628 | $18.8M |
| De Soto Branch | De Soto , WI | 54624 | $18.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2020 | Structure Change | Acquired Union Bank of Sparta Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2005 | Structure Change | Acquired Farmers State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 1991 | Structure Change | Acquired De Soto State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in WI, rank 39 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 109 applications, 85 loans originated, $66.6M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $730K approved, $365K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 River Bank
What are River Bank's total assets?
As of the Q2 2026 filing, River Bank reported total assets of $1.02 billion in its FFIEC call report.
Where is River Bank headquartered?
It is headquartered in Stoddard, WI, United States.
When was River Bank founded?
It was established in 1911, per the FDIC institution directory.
Is River Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14995). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates River Bank?
River Bank's primary federal regulator is the FDIC.
What is River Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.39% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does River Bank operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is River Bank's Texas Ratio?
Its Texas Ratio is 1.06% 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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