Side-by-side · Q2 2026 data
The First National Bank of River Falls vs Vermillion State Bank
Metric by metric
| Measure | The First National Bank of River Falls | Vermillion State Bank |
|---|---|---|
| TellerScore | 75 | 90 (stronger) |
| Capital cushion | 51 | 84 (stronger) |
| Loan quality | 87 | 92 (stronger) |
| Earnings | 72 | 100 (stronger) |
| Funding & liquidity | 96 (stronger) | 83 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 61st | 95th |
| Total assets | $325.3M | $931.4M |
| Deposits / shares | $286.6M | $806.6M |
| Capital ratio | 10.06% | 13.40% (stronger) |
| Problem loans | 0.38% | 0.24% (stronger) |
| Net charge-offs | -0.01% | -0.12% (stronger) |
| Return on assets | 1.29% | 2.56% (stronger) |
| Loans ÷ deposits | 57.9% | 51.7% (stronger) |
| Uninsured deposits | 18.8% (stronger) | 30.2% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | 0.0% |
Vermillion State Bank has the higher TellerScore (90 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of River Falls leads on 1 and Vermillion State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.