B
River Falls State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings River Falls State Bank
River Falls, WI
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Rating B
Asset Quality Index 8.90
Capitalization Index 10.00
Liquidity Index 2.60
Profitability Index 3.60
Stability Index 6.50
Company Info River Falls State Bank
River Falls, WI
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FDIC Number 16840
Phone Number (715) 425-6782
Website www.rfstatebankonline2.com
Asset Quality River Falls State Bank
River Falls, WI
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1-Year Asset Growth 2.05%
5-Year Asset Growth 9.78%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.06%
Non-Performing Loans to Capital 0.48%
Non-Performing Loans to Loans 0.08%
Balance Sheet River Falls State Bank
River Falls, WI
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Total Assets 140.52M
Total Deposits 121.08M
Capital and Reserves River Falls State Bank
River Falls, WI
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Capital 13.28M
Leverage Ratio 11.00
Loan Loss Reserves to Loans 1.34%
Risk-Based Capital Ratio --
Liquidity River Falls State Bank
River Falls, WI
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Hot Money Ratio 17.90%
Liquidity Ratio 26.17%
Profitability River Falls State Bank
River Falls, WI
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5-Year Return on Average Assets 1.11%
Net Income 857.00K
Net Interest Spread 3.10%
Operating Profit to Average Assets 0.81%
Overhead Efficiency Ratio 74.63%
Return on Assets 0.81%
Return on Equity 9.09%