| Metric | River Falls State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +4.4% | -1.1 pts |
| Deposit growth (YoY) | +6.6% | +4.0% | +2.6 pts |
| Loan growth (YoY) | +1.1% | +5.6% | -4.4 pts |
| ROA | 1.10% | 1.24% | -0.1 pts |
| ROE | 11.2% | 11.9% | -0.6 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $143.2M | $127.5M | $102.7M | $14.1M | $775K | 1.10% | 3.65% | 0.15% |
| Q1 2026 | $141.0M | $125.7M | $105.8M | $13.8M | $357K | 1.02% | 3.54% | 0.16% |
| Q4 2025 | $137.7M | $122.0M | $103.1M | $13.5M | $1.2M | 0.84% | 3.27% | 0.03% |
| Q3 2025 | $140.5M | $121.1M | $99.1M | $13.3M | $857K | 0.82% | 3.18% | 0.06% |
| Q2 2025 | $138.6M | $119.7M | $101.5M | $12.9M | $542K | 0.78% | 3.09% | 0.07% |
| Q1 2025 | $136.7M | $118.4M | $99.0M | $12.4M | $256K | 0.74% | 2.97% | 0.24% |
| Q4 2024 | $141.2M | $123.6M | $101.3M | $11.7M | $1.1M | 0.78% | 2.93% | 0.22% |
| Q3 2024 | $137.7M | $119.2M | $97.9M | $12.4M | $762K | 0.75% | 2.91% | 0.18% |
Loan mix (Q2 2026): real estate $95.5M · commercial $4.5M · consumer $3.8M · securities $20.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | River Falls State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.24% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 11.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
34th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.7% | 62.9% | 68th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | River Falls State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | River Falls State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | River Falls State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | River Falls State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.