River Falls State Bank
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Data as of · sourced from FFIEC call reports. How we update
River Falls State Bank is an FDIC-insured commercial bank headquartered in River Falls, WI, established in 1949 (FDIC certificate 16840), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $143.2M, up 3.3% from Q2 2025, the 132nd largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.40% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16840
- Headquarters
- River Falls, WI
- Established
- 1949
- Total assets, Q2 2026
- $143.2M
- Assets vs Q2 2025
- +3.3%
- Tier 1 leverage ratio, Q2 2026
- 11.40%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091810979
- Holding company
- RIVER FALLS BANCSHARES, INC.
- Asset rank in state
- 132nd of 153 in Wisconsin
Little in River Falls State Bank's latest call report stands out. Its balance sheet stood at $143 million at June 30, 2026, up 3.3% from a year earlier; it is based in River Falls, Wisconsin. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $418,000, 46% above the same quarter a year earlier. Over the same year, loans grew 1.2% and deposits grew 6.6%.
As of June 30, 2026, River Falls State Bank reported a return on assets of 1.16%, a nonperforming-loan ratio of 0.21% and a Texas ratio of 1.39%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, River Falls State Bank is the 132nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.5% to $143.2M, loans fell 2.9% and deposits rose 1.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 58.2% of total loans, ahead of construction and land development loans at 14.5%. Its one office in the FDIC Summary of Deposits is in River Falls, WI. By the capital ratios in its Q2 2026 call report, River Falls State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 124 S 2nd St, River Falls, WI 54022
- County
- Pierce
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- 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 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 3, 1949
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $127.5M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $144.4M
- Average total loans
- $107.9M
- Average interest-bearing deposits
- $94.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 3, 1949
- FDIC Cert
- 16840
- Fed RSSD
- 955753
- Website
- www.rfstatebankonline2.com →
- Parent Holding Company
- RIVER FALLS BANCSHARES, INC. (RSSD 2519805)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, River Falls State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, River Falls State Bank's total assets ranged from $130.7M (Q3 2023) to $143.2M (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
$143.2M total assets against $138.6M; $129.1M total liabilities against $125.8M.
$102.7M net loans and leases against $101.5M; $127.5M total deposits against $119.7M.
$20.6M securities against $23.1M; $11.0M cash and balances due against $6.4M.
$1.7M total interest income against $1.6M; $503K total interest expense against $543K.
$1.2M net interest income against $1.0M.
$121K total noninterest income against $130K; $919K total noninterest expense against $869K.
$15K provision for credit losses against $15K.
$418K net income against $286K.
1.16% return on assets against 0.81%; 3.65% net interest margin against 3.13%.
11.40% tier 1 leverage ratio against 11.19%.
Inside the full River Falls State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeRiver Falls State Bank rankings
Its closest position to the top of a national ranking is 2,141 of 3,611, for ROA; its furthest is 3,341 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.73% (Q1 2025) to 1.16% (Q2 2026) and its net interest margin ran from 2.89% (Q3 2024) to 3.65% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.40% | 1.16% | 0.21% | 1.39% | 3.65% |
| Q1 2026 | 11.49% | 1.02% | 0.21% | 1.51% | 3.46% |
| Q4 2025 | 11.04% | 0.86% | 0.04% | 0.25% | 3.36% |
| Q3 2025 | 11.00% | 0.88% | 0.08% | 0.57% | 3.23% |
| Q2 2025 | 11.19% | 0.81% | 0.09% | 0.65% | 3.13% |
| Q1 2025 | 11.10% | 0.73% | 0.32% | 2.35% | 2.92% |
| Q4 2024 | 10.58% | 0.84% | 0.30% | 2.40% | 2.90% |
| Q3 2024 | 10.81% | 0.77% | 0.25% | 1.80% | 2.89% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| River Falls State Bank (main office) | River Falls , WI | 54022 | $127.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in WI, rank 144 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 71 applications, 66 loans originated, $17.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $365K approved, $365K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (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 Falls State Bank
What are River Falls State Bank's total assets?
As of the Q2 2026 filing, River Falls State Bank reported total assets of $143.2 million in its FFIEC call report.
Where is River Falls State Bank headquartered?
It is headquartered in River Falls, WI, United States.
When was River Falls State Bank founded?
It was established in 1949, per the FDIC institution directory.
Is River Falls State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16840). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates River Falls State Bank?
River Falls State Bank's primary federal regulator is the FDIC.
How many branches does River Falls State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is River Falls State Bank's Texas Ratio?
Its Texas Ratio is 1.39% 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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