Side-by-side · Q2 2026 data
The First National Bank of River Falls vs Northern State Bank
Metric by metric
| Measure | The First National Bank of River Falls | Northern State Bank |
|---|---|---|
| TellerScore | 75 | 78 (stronger) |
| Capital cushion | 51 (stronger) | 49 |
| Loan quality | 87 | 93 (stronger) |
| Earnings | 72 | 86 (stronger) |
| Funding & liquidity | 96 (stronger) | 89 |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 61st | 72nd |
| Total assets | $325.3M | $330.8M |
| Deposits / shares | $286.6M | $297.1M |
| Capital ratio | 10.06% (stronger) | 9.92% |
| Problem loans | 0.38% | 0.22% (stronger) |
| Net charge-offs | -0.01% (stronger) | -0.00% |
| Return on assets | 1.29% | 1.66% (stronger) |
| Loans ÷ deposits | 57.9% | 52.1% (stronger) |
| Uninsured deposits | 18.8% (stronger) | 25.1% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | 14.7% |
Northern State Bank has the higher TellerScore (78 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of River Falls leads on 3 and Northern State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.