B
The First National Bank of River Falls
Rating Date
October 2025
Risk Based
Capital Ratio
17.63
Leverage
Ratio
9.94
Return On
Assets
0.96%
Total
Assets
319.14M
Capital
22.47M
Total
Deposits
282.74M
Net
Income
2.41M
My Lists My Alerts
Weiss Ratings The First National Bank of River Falls
River Falls, WI 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating B
Asset Quality Index 9.00
Capitalization Index 8.40
Liquidity Index 3.80
Profitability Index 4.00
Stability Index 4.30
Company Info The First National Bank of River Falls
River Falls, WI 		Click to
Compare		 Click to
Compare		 Click to
Compare
FDIC Number 5364
Phone Number (715) 425-2401
Website www.fnbrf.com/
Asset Quality The First National Bank of River Falls
River Falls, WI 		Click to
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth -0.55%
5-Year Asset Growth 3.10%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.01%
Non-Performing Loans to Capital 0.05%
Non-Performing Loans to Loans 0.03%
Balance Sheet The First National Bank of River Falls
River Falls, WI 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 319.14M
Total Deposits 282.74M
Capital and Reserves The First National Bank of River Falls
River Falls, WI 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 22.47M
Leverage Ratio 9.94
Loan Loss Reserves to Loans 1.68%
Risk-Based Capital Ratio 17.63
Liquidity The First National Bank of River Falls
River Falls, WI 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 10.14%
Liquidity Ratio 30.91%
Profitability The First National Bank of River Falls
River Falls, WI 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 0.87%
Net Income 2.41M
Net Interest Spread 3.04%
Operating Profit to Average Assets 0.96%
Overhead Efficiency Ratio 70.95%
Return on Assets 0.96%
Return on Equity 16.96%