Banks · Wisconsin

River Falls State Bank

River Falls, WI · FDIC Certificate #16840 · Chartered 10/0

Total assets

$143.20M

Total deposits

$127.52M

Total equity

$14.13M

Net loans

$102.69M

Branches (offices)

Net income (YTD)

$775.00K

Rank: #3,354 of 4,213 U.S. banks by assets · #132 of 153 in Wisconsin. Assets changed 3.3% and deposits 6.6% over the year to June 30, 2026.

Key ratios

Return on assets (YTD, annualized by FDIC)	1.10%
Return on equity	11.24%
Net interest margin (YTD)	3.65%
Equity to assets	9.87%
Tier 1 leverage ratio	11.40%
Uninsured deposits (share of deposits)	11.0%
Noncurrent loans (share of loans)	0.21%
Net charge-offs (share of loans)	0.00%
Loans to deposits	80.5%
Real estate loans (share of loans)	93.0%

Loan mix

Category	Amount	Share
Real estate loans	$95.50M	93.0%
Commercial & industrial	$4.53M	4.4%
Consumer / individual	$3.78M	3.7%
Construction & development	$15.11M	14.7%
Agricultural	$106.00K	0.1%

Five-year trend (June snapshots)

Period	Total assets	Deposits	Net income (year to date)	Equity / net worth
Jun 2022	$124.41M	$111.75M	$565.00K	$11.18M
Jun 2023	$130.05M	$110.32M	$461.00K	$10.67M
Jun 2024	$136.18M	$118.86M	$489.00K	$11.40M
Jun 2025	$138.65M	$119.67M	$542.00K	$12.90M
Jun 2026	$143.20M	$127.52M	$775.00K	$14.13M

Where its branch deposits sit (FDIC Summary of Deposits)

State	Branch deposits	Offices
Wisconsin	$127.52M	1

Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $127.52M.

Similar-sized banks

National Bank Of St. Anne ($143.24M) · Farmers And Merchants State Bank ($143.12M)

Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.