Side-by-side · Q2 2026 data
The First National Bank of River Falls vs Bay Bank
Metric by metric
| Measure | The First National Bank of River Falls | Bay Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 59 |
| Capital cushion | 51 | 62 (stronger) |
| Loan quality | 87 (stronger) | 32 |
| Earnings | 72 (stronger) | 65 |
| Funding & liquidity | 96 (stronger) | 76 |
| Problem-loan coverage | 95 (stronger) | 84 |
| Peer percentile | 61st | 17th |
| Total assets | $325.3M | $315.7M |
| Deposits / shares | $286.6M | $264.9M |
| Capital ratio | 10.06% | 11.19% (stronger) |
| Problem loans | 0.38% (stronger) | 2.03% |
| Net charge-offs | -0.01% (stronger) | 0.06% |
| Return on assets | 1.29% (stronger) | 1.12% |
| Loans ÷ deposits | 57.9% | 49.6% (stronger) |
| Uninsured deposits | 18.8% (stronger) | 37.0% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | 34.4% |
The First National Bank of River Falls has the higher TellerScore (75 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of River Falls leads on 5 and Bay Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.