The First National Bank of River Falls: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
The First National Bank of River Falls is a locally rooted FDIC-insured community bank based in River Falls, WI. Returns are notably above industry norms: 1.24% ROA, 17.73% ROE, and 3.33% NIM. The First National Bank of River Falls's Q2 2026 balance sheet shows $325M in assets funded primarily by $287M in customer deposits. Capital cushions are healthy: 16.79% CET1, 10.06% Tier 1 leverage. Asset quality is pristine, 0.38% NPLs and a 2.47% Texas Ratio. It operates 3 branches, primarily in Wisconsin.
As of June 30, 2026, The First National Bank of River Falls reported a CET1 capital ratio of 16.79%, a return on assets of 1.24%, a nonperforming-loan ratio of 0.38%, a Texas ratio of 2.47%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 104 E Locust St, River Falls, WI 54022
- County
- Pierce
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 4, 1904
- Offices
- 3 domestic
- Employees (FTE)
- 51
- Domestic deposits
- $286.6M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- -$8K
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5364
- Fed RSSD
- 956255
- SEC CIK
- 1040906 → filed by FIRST NATIONAL BANCORP OF RIVER FALLS, INC.
- Website
- http://www.fnbrf.com →
- Parent Holding Company
- FIRST NATIONAL BANCORP OF RIVER FALLS, INC. (RSSD 2577159)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The First National Bank of River Falls terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.79% | 1.24% | 0.38% | 2.47% | 3.33% |
| Q1 2026 | 16.71% | 1.25% | 0.39% | 2.51% | 3.58% |
| Q4 2025 | 16.32% | 0.68% | 0.03% | 0.26% | 3.39% |
| Q3 2025 | 16.38% | 1.17% | 0.03% | 0.27% | 3.13% |
| Q2 2025 | 16.09% | 0.95% | 0.03% | 0.40% | 2.99% |
| Q1 2025 | 16.01% | 0.77% | 0.04% | 0.59% | 2.99% |
| Q4 2024 | 16.04% | 0.46% | 0.03% | 0.53% | 2.84% |
| Q3 2024 | 16.30% | 0.67% | 0.03% | 0.31% | 2.68% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of River Falls | River Falls , WI | 54022 | $197.6M |
| Prescott Branch | Prescott , WI | 54021 | $89.0M |
| Wellhaven Branch | River Falls , WI | 54022 | $0 |
Regulatory record
What the public regulatory sources show for The First National Bank of River Falls, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in WI, rank 98 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 92 applications, 74 loans originated, $31.8M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The First National Bank of River Falls
What are The First National Bank of River Falls's total assets?
As of the Q2 2026 filing, The First National Bank of River Falls reported total assets of $325.3 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The First National Bank of River Falls headquartered?
The First National Bank of River Falls is headquartered in River Falls, WI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The First National Bank of River Falls founded?
The First National Bank of River Falls was established in 1904, per the FDIC institution directory.
Is The First National Bank of River Falls FDIC-insured?
Yes. The First National Bank of River Falls is an FDIC-insured commercial bank (FDIC Certificate #5364). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of River Falls?
The First National Bank of River Falls's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The First National Bank of River Falls's CET1 capital ratio?
The First National Bank of River Falls reported a Common Equity Tier 1 (CET1) capital ratio of 16.79% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank of River Falls operate?
The First National Bank of River Falls operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of River Falls's Texas Ratio?
The First National Bank of River Falls's Texas Ratio is 2.47% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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