Side-by-side · Q2 2026 data
River Falls State Bank vs First National Bank
Metric by metric
| Measure | River Falls State Bank | First National Bank |
|---|---|---|
| TellerScore | 77 | 77 |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 93 (stronger) | 33 |
| Earnings | 64 | 100 (stronger) |
| Funding & liquidity | 80 (stronger) | 68 |
| Problem-loan coverage | 97 (stronger) | 85 |
| Peer percentile | 68th | 68th |
| Total assets | $143.2M | $477.8M |
| Deposits / shares | $127.5M | $380.1M |
| Capital ratio | 11.40% | 18.41% (stronger) |
| Problem loans | 0.21% (stronger) | 2.01% |
| Net charge-offs | 0.00% (stronger) | 4.62% |
| Return on assets | 1.10% | 2.18% (stronger) |
| Loans ÷ deposits | 80.5% (stronger) | 90.6% |
| Uninsured deposits | 11.0% (stronger) | 16.2% |
| Offices | 1 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.6% | 13.6% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), River Falls State Bank leads on 4 and First National Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.