TellerScore

River Falls State Bank (FDIC certificate #16840) is based in River Falls, Wisconsin. Its Q2 2026 call report shows $143.2M in total assets and $127.5M in deposits and 1 office.

River Falls State Bank has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 62nd. Problem-loan coverage contributes the most (97/100, 1.4%); earnings contributes the least (64/100, 1.10%).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Tier 1 leverage ratio: 11.40%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.21%
Earnings64/100
Return on assets (annualized): 1.10%
Funding & liquidity80/100
Loans ÷ deposits and uninsured-deposit share: 80.5% · 11.0% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.39%

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 3 points (74 → 77), mostly because the earnings component improved by 13 points.

TellerScore
707477Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202472
Q4 202470
Q1 202571
Q2 202574
Q3 202574
Q4 202575
Q1 202676
Q2 202677
Tier 1 leverage ratio
5.00%8.24%11.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.95%
Q3 202410.81%
Q4 202410.58%
Q1 202511.10%
Q2 202511.19%
Q3 202511.00%
Q4 202511.04%
Q1 202611.49%
Q2 202611.40%
Noncurrent loans
0.04%0.18%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.18%
Q3 20240.25%
Q4 20240.30%
Q1 20250.32%
Q2 20250.09%
Q3 20250.08%
Q4 20250.04%
Q1 20260.21%
Q2 20260.21%
Return on assets
0.72%0.91%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.72%
Q3 20240.75%
Q4 20240.78%
Q1 20250.74%
Q2 20250.78%
Q3 20250.82%
Q4 20250.84%
Q1 20261.02%
Q2 20261.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$143.2M11.40%0.21%1.10%80.5%
Q1 202676$141.0M11.49%0.21%1.02%84.2%
Q4 202575$137.7M11.04%0.04%0.84%84.5%
Q3 202574$140.5M11.00%0.08%0.82%81.8%
Q2 202574$138.6M11.19%0.09%0.78%84.8%
Q1 202571$136.7M11.10%0.32%0.74%83.7%
Q4 202470$141.2M10.58%0.30%0.78%82.0%
Q3 202472$137.7M10.81%0.25%0.75%82.1%
Q2 202473$136.2M10.95%0.18%0.72%79.6%

2,650 peers · $100 million – $1 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 ratio11.40%
56th
Total risk-based capital0.00%
24th
Problem loans0.21%
64th
Net charge-offs0.00%
68th
Return on assets1.10%
41st
Net interest margin3.65%
35th
Efficiency ratio69.7%
31st
Loans to deposits80.5%
48th
Uninsured deposits11.0%
92nd
Loan-loss reserves1.32%
65th
Texas ratio1.4%
65th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of CashtonBank Cashton, WI79 out of 100, Strong$146.1M10.9%0.00%vs
The Pineries BankBank Stevens Point, WI83 out of 100, Strong$149.1M11.3%0.00%vs
Security State BankBank Iron River, WI93 out of 100, Very strong$136.2M21.4%0.37%vs
Bluff View BankBank Galesville, WI90 out of 100, Very strong$152.8M14.9%0.00%vs
Waldo State BankBank Waldo, WI47 out of 100, Below average$154.2M10.3%2.44%vs
Bonduel State BankBank Bonduel, WI89 out of 100, Very strong$132.1M14.0%0.01%vs

Deposit insurance

Is my money safe at River Falls State Bank?

Yes. River Falls State Bank is an FDIC-insured institution (FDIC certificate #16840). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.0% of deposits ($14.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.40%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

River Falls State Bank lists 1 office in 1 city. Most locations:

  • River Falls, WI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, River Falls State Bank reported 78 home-loan applications under HMDA (LEI 549300RP0N2VARTRFQ77): 73 originated ($20,065,000 total), 2 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.6%, 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 Falls State Bank
Type
State-chartered bank
FDIC certificate #
16840
RSSD ID
955753
Primary regulator
FDIC
Holding company
River Falls Bancshares Inc
Established
October 3, 1949
Headquarters
124 S 2nd St, River Falls, WI 54022
Employees
21

Quick answers

River Falls State Bank: common questions

Is River Falls State Bank FDIC insured?

Yes. River Falls State Bank is an FDIC-insured institution (FDIC certificate #16840). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is River Falls State Bank's TellerScore?

77 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 Falls State Bank ever failed?

There is no failure record for FDIC certificate #16840 in the FDIC failed bank list.

How many branches does River Falls State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near River Falls

InstitutionScoreAssetsCapitalProblem loansCompare
Vermillion State BankBank Vermillion, MN90 out of 100, Very strong$931.4M13.4%0.24%vs
Westconsin Credit UnionCredit union Menomonie, WI78 out of 100, Strong$2.2B12.9%0.64%vs
Premier Bank MinnesotaBank Hastings, MN77 out of 100, Strong$691.5M10.0%0.04%vs
First National BankBank Oldham, SD77 out of 100, Strong$477.8M18.4%2.01%vs
First Farmers & Merchants BankBank Cannon Falls, MN77 out of 100, Strong$486.4M10.1%0.01%vs
City & County Credit UnionCredit union Saint Paul, MN76 out of 100, Strong$1.2B12.1%0.32%vs