TellerScore

Headquartered in Stoddard, Wisconsin, River Bank is a state-chartered bank with $1.0B in total assets and $755.7M in deposits as of Q2 2026. It operates 13 offices. Its charter dates back to 1911.

Based on its Q2 2026 filing, River Bank scores 73/100, which we describe as strong. That is higher than 70% of 897 banks with $1 billion – $10 billion. Among 154 banks headquartered in Wisconsin, it ranks 76th. Its strongest component is problem-loan coverage (98/100; 1.0%), and its lowest is funding & liquidity (35/100; 111% loans-to-deposits, 29% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Tier 1 leverage ratio: 12.02%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.16%
Earnings66/100
Return on assets (annualized): 1.14%
Funding & liquidity35/100
Loans ÷ deposits and uninsured-deposit share: 111.3% · 28.6% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.01%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (68 → 73), mostly because the earnings component improved by 15 points.

TellerScore
656973Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202465
Q4 202465
Q1 202566
Q2 202568
Q3 202568
Q4 202570
Q1 202669
Q2 202673
Tier 1 leverage ratio
5.00%8.51%12.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.40%
Q3 202410.57%
Q4 202410.84%
Q1 202511.05%
Q2 202511.37%
Q3 202511.50%
Q4 202511.75%
Q1 202611.62%
Q2 202612.02%
Noncurrent loans
0.16%0.22%0.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.24%
Q3 20240.23%
Q4 20240.28%
Q1 20250.28%
Q2 20250.24%
Q3 20250.24%
Q4 20250.27%
Q1 20260.21%
Q2 20260.16%
Return on assets
0.64%0.89%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.81%
Q3 20240.72%
Q4 20240.64%
Q1 20250.75%
Q2 20250.79%
Q3 20250.88%
Q4 20251.04%
Q1 20260.85%
Q2 20261.14%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$1.0B12.02%0.16%1.14%111.3%
Q1 202669$1.1B11.62%0.21%0.85%105.2%
Q4 202570$1.0B11.75%0.27%1.04%106.7%
Q3 202568$1.0B11.50%0.24%0.88%109.7%
Q2 202568$1.0B11.37%0.24%0.79%111.1%
Q1 202566$1.0B11.05%0.28%0.75%108.1%
Q4 202465$1.0B10.84%0.28%0.64%110.7%
Q3 202465$1.0B10.57%0.23%0.72%113.4%
Q2 202465$1.0B10.40%0.24%0.81%112.5%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.02%
76th
Total risk-based capital15.64%
74th
Problem loans0.16%
81st
Net charge-offs0.00%
82nd
Return on assets1.14%
41st
Net interest margin2.91%
13th
Efficiency ratio47.9%
81st
Loans to deposits111.3%
4th
Uninsured deposits28.6%
57th
Loan-loss reserves1.36%
77th
Texas ratio1.0%
83rd

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
The Port Washington State BankBank Port Washington, WI67 out of 100, Moderate$1.0B9.0%0.11%vs
Prevail BankBank Medford, WI74 out of 100, Strong$1.0B12.6%0.20%vs
Security Financial BankBank Durand, WI61 out of 100, Moderate$1.0B9.7%1.44%vs
Bank CmgBank Madison, WI65 out of 100, Moderate$1.1B9.6%0.24%vs
Great Midwest Bank, S.S.B.Bank Brookfield, WI80 out of 100, Strong$1.1B16.5%0.56%vs
Ixonia BankBank Ixonia, WI67 out of 100, Moderate$1.1B10.0%0.25%vs

Deposit insurance

Is my money safe at River Bank?

Yes. River Bank is an FDIC-insured institution (FDIC certificate #14995). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.6% of deposits ($215.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.02%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.64% (benchmark: 10%).

Check how much of your own balance is covered

13 locations

Branches

River Bank lists 13 offices in 11 cities. Most locations:

  • La Crosse, WI (2)
  • Sparta, WI (2)
  • Bangor, WI (1)
  • Coon Valley, WI (1)
  • De Soto, WI (1)
  • Ferryville, WI (1)
  • Holmen, WI (1)
  • Stoddard, WI (1)
  • Tomah, WI (1)
  • Westby, WI (1)
  • West Salem, WI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, River Bank reported 109 home-loan applications under HMDA (LEI 5493008FT4WVSLWPKG77): 85 originated ($66,615,000 total), 7 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
River Bank
Former names
Bank of Stoddard
Type
State-chartered bank
FDIC certificate #
14995
RSSD ID
279842
Primary regulator
FDIC
Holding company
River Holding Co
Established
October 11, 1911
Headquarters
145 N Main St, Stoddard, WI 54658
Employees
112

Quick answers

River Bank: common questions

Is River Bank FDIC insured?

Yes. River Bank is an FDIC-insured institution (FDIC certificate #14995). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is River Bank's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has River Bank ever failed?

There is no failure record for FDIC certificate #14995 in the FDIC failed bank list.

How many branches does River Bank have?

13 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Stoddard

InstitutionScoreAssetsCapitalProblem loansCompare
New Albin Savings BankBank New Albin, IA92 out of 100, Very strong$350.6M15.5%0.00%vs
Firefighters Credit UnionCredit union Onalaska, WI83 out of 100, Strong$133.0M16.1%0.57%vs
The First National Bank of BangorBank Bangor, WI83 out of 100, Strong$363.7M31.6%0.95%vs
Gundersen Credit UnionCredit union LA Crosse, WI82 out of 100, Strong$85.3M13.8%0.07%vs
Union State BankBank West Salem, WI82 out of 100, Strong$117.6M12.2%0.14%vs
Peoples State BankBank Prairie Du Chien, WI80 out of 100, Strong$993.0M11.5%0.21%vs