Side-by-side · Q2 2026 data
The First National Bank of River Falls vs Citizens State Bank of Loyal
Metric by metric
| Measure | The First National Bank of River Falls | Citizens State Bank of Loyal |
|---|---|---|
| TellerScore | 75 | 80 (stronger) |
| Capital cushion | 51 | 65 (stronger) |
| Loan quality | 87 | 100 (stronger) |
| Earnings | 72 (stronger) | 67 |
| Funding & liquidity | 96 (stronger) | 81 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 61st | 77th |
| Total assets | $325.3M | $311.5M |
| Deposits / shares | $286.6M | $250.3M |
| Capital ratio | 10.06% | 11.48% (stronger) |
| Problem loans | 0.38% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.01% |
| Return on assets | 1.29% (stronger) | 1.16% |
| Loans ÷ deposits | 57.9% (stronger) | 71.9% |
| Uninsured deposits | 18.8% (stronger) | 21.3% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | 9.3% |
Citizens State Bank of Loyal has the higher TellerScore (80 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of River Falls leads on 4 and Citizens State Bank of Loyal on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.