Side-by-side · Q2 2026 data
First National Community Bank vs River Falls State Bank
Metric by metric
| Measure | First National Community Bank | River Falls State Bank |
|---|---|---|
| TellerScore | 71 | 77 (stronger) |
| Capital cushion | 44 | 64 (stronger) |
| Loan quality | 95 (stronger) | 93 |
| Earnings | 74 (stronger) | 64 |
| Funding & liquidity | 64 | 80 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 47th | 68th |
| Total assets | $345.3M | $143.2M |
| Deposits / shares | $311.8M | $127.5M |
| Capital ratio | 9.38% | 11.40% (stronger) |
| Problem loans | 0.16% (stronger) | 0.21% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.35% (stronger) | 1.10% |
| Loans ÷ deposits | 75.5% (stronger) | 80.5% |
| Uninsured deposits | 33.8% | 11.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.2% | 2.6% |
River Falls State Bank has the higher TellerScore (77 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First National Community Bank leads on 3 and River Falls State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.