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.

The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 75).

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

Similar-size banks in Wisconsin

Yes. The First National Bank of River Falls is an FDIC-insured institution (FDIC certificate #5364). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.8% of deposits ($54.0M) 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 10.06%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.04% (benchmark: 10%).

Check how much of your own balance is covered

The First National Bank of River Falls lists 2 offices in 2 cities. Most locations:

• Prescott, WI (1)
• River Falls, WI (1)

All branch addresses and map

In 2025, The First National Bank of River Falls reported 89 home-loan applications under HMDA (LEI VUAW1MW1BHNL595RH698): 74 originated ($31,770,000 total), 2 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.5%, 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.

Legal name

The First National Bank of River Falls

Type

National bank

FDIC certificate #

5364

RSSD ID

956255

Primary regulator

OCC

Holding company

First Natl Bcorp River Falls

Established

January 4, 1904

Headquarters

104 E Locust St, River Falls, WI 54022

Website

www.fnbrf.com

Employees

51