The First National Bank of River Falls
Total assets
$325.3M
▲ +1.4% YoY
Deposits
$286.6M
▲ +3.0% YoY
Loans
$166.0M
▼ -0.9% YoY
Offices
3
FIRST NATL BCORP RIVER FALLS
ROA (annualized)
1.29%
peers 1.24%
ROE (annualized)
17.91%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.4% | -2.9 pts |
| Deposit growth (YoY) | +3.0% | +4.0% | -1.0 pts |
| Loan growth (YoY) | -0.9% | +5.6% | -6.5 pts |
| ROA | 1.29% | 1.24% | +0.0 pts |
| ROE | 17.9% | 11.9% | +6.0 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
Profile
- Established
- 1904
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- FIRST NATL BCORP RIVER FALLS
- Specialization
- Commercial Lending Specialization
- Address
- 104 E Locust St, River Falls, WI, 54022
- County
- Pierce
- Metro area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Offices
- 3
- FDIC cert #
- 5364
- RSSD ID
- 956255
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $325.3M | $286.6M | $166.0M | $23.4M | $2.1M | 1.29% | 3.54% | 0.20% |
| Q1 2026 | $325.9M | $287.9M | $162.4M | $23.4M | $1.0M | 1.30% | 3.68% | 0.20% |
| Q4 2025 | $317.7M | $279.6M | $164.8M | $22.9M | $3.0M | 0.93% | 3.22% | 0.01% |
| Q3 2025 | $319.1M | $282.7M | $168.9M | $22.5M | $2.4M | 1.01% | 3.13% | 0.01% |
| Q2 2025 | $320.7M | $278.3M | $167.5M | $18.5M | $1.4M | 0.90% | 3.09% | 0.02% |
| Q1 2025 | $321.1M | $278.7M | $165.1M | $18.7M | $648K | 0.81% | 3.08% | 0.03% |
| Q4 2024 | $319.8M | $264.6M | $162.0M | $17.0M | $2.1M | 0.67% | 2.80% | 0.02% |
| Q3 2024 | $320.9M | $275.2M | $157.9M | $21.7M | $1.8M | 0.74% | 2.76% | 0.01% |
Loan mix (Q2 2026): real estate $141.3M · commercial $19.8M · consumer $5.0M · securities $120.8M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.24% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 17.9% | 11.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.96% | 29th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.0% | 62.9% | 59th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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