River Falls State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks River Falls State Bank 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 | 1.16% | 1.35% | -0.19% | 42nd below |
| ROAE | 11.99% | 12.05% | -0.06% | 48th below |
| Net Interest Margin | 3.65% | 3.90% | -0.25% | 34th below |
| Efficiency Ratio | 67.81% | 63.15% | +4.66% | 33rd below |
| PPNR / Avg Assets | 1.20% | 1.64% | -0.44% | 29th below |
| Yield on Earning Assets | 5.13% | 5.65% | -0.52% | 28th below |
| Cost of Funds | 1.57% | 1.85% | -0.28% | 65th above |
| Net Interest Spread | 3.03% | 3.35% | -0.32% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.21% | 0.92% | -0.71% | 64th above |
| NPA / Total Assets | 0.15% | 0.67% | -0.52% | 64th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.32% | 1.28% | +0.04% | 64th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 637.21% | 1645.57% | -1008.36% | 75th top |
| Texas Ratio | 1.39% | 7.15% | -5.76% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.40% | 12.46% | -1.06% | 57th above |
| Equity / Assets | 9.87% | 11.67% | -1.80% | 42nd below |
| TCE / Tangible Assets | 9.87% | 11.40% | -1.53% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.61% | 78.64% | +2.97% | 48th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.43% | 87.09% | +0.34% | 41st below |
| Wholesale Funding Ratio | 0.70% | 5.12% | -4.42% | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.28% | 6.48% | -3.20% | 41st below |
| Loan Growth (Y/Y) | 1.16% | 7.64% | -6.48% | 27th below |
| Deposit Growth (Y/Y) | 6.56% | 6.02% | +0.54% | 68th above |
See River Falls State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock River Falls State Bank, 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 River Falls State Bank profile, how to read a UBPR, or how this data updates.