River Falls State Bank: 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.
Cre concentration (tier 1 capital + allowance) dropped 22.87 percentage points in Q2 2026, from 192.17% to 169.31%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, River Falls State Bank is 101st of 153 on loan-to-deposit ratio, 81.61% as of Q2 2026, below the middle of the field. At 81.61%, River Falls State Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $104.1M |
| Net loans and leases | $102.7M |
| Loans held for sale | $0 |
| Loans to total assets | 72.67% |
| Loan-to-deposit ratio | 81.61% |
| Net loans to equity capital | 7.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.64% |
| Multifamily (5+ residential) | 7.53% |
| Commercial and industrial | 4.36% |
| Consumer | 3.63% |
| Credit cards | 0.05% |
| Farm | 1.89% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.13% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 169.31% |
| Construction concentration (Tier 1 capital + allowance) | 84.75% |
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 | 6.05% |
| Interest income on loans | $1.6M |
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 | $95.1M | $114.8M | 14.24% | 3.40% | 3.63% |
| Q4 2023 | $95.4M | $118.1M | 13.54% | 3.87% | 3.93% |
| Q1 2024 | $95.0M | $116.6M | 16.28% | 3.73% | 3.94% |
| Q2 2024 | $95.9M | $118.9M | 16.21% | 3.69% | 3.57% |
| Q3 2024 | $99.2M | $119.2M | 14.71% | 3.15% | 3.53% |
| Q4 2024 | $102.6M | $123.6M | 14.02% | 4.46% | 3.49% |
| Q1 2025 | $100.4M | $118.4M | 13.35% | 3.29% | 3.44% |
| Q2 2025 | $102.9M | $119.7M | 12.70% | 3.39% | 3.28% |
| Q3 2025 | $100.4M | $121.1M | 11.71% | 3.25% | 3.25% |
| Q4 2025 | $104.5M | $122.0M | 11.09% | 4.86% | 3.18% |
| Q1 2026 | $107.2M | $125.7M | 10.99% | 4.39% | 3.43% |
| Q2 2026 | $104.1M | $127.5M | 9.64% | 4.36% | 3.63% |
River Falls State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock River Falls State Bank, 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 River Falls State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16840) · FFIEC NIC profile (RSSD 955753)