B
The First National Bank of River Falls
Rating Date
March 2026
Risk Based
Capital Ratio
17.57
Leverage
Ratio
9.92
Return On
Assets
0.89%
Total
Assets
317.67M
Capital
22.92M
Total
Deposits
279.60M
Net
Income
2.97M
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Weiss Ratings The First National Bank of River Falls
River Falls, WI 		Click to
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Rating B
Asset Quality Index 9.00
Capitalization Index 8.40
Liquidity Index 3.80
Profitability Index 3.90
Stability Index 4.00
Company Info The First National Bank of River Falls
River Falls, WI 		Click to
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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
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1-Year Asset Growth -0.68%
5-Year Asset Growth -0.02%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.01%
Non-Performing Loans to Capital 0.08%
Non-Performing Loans to Loans 0.03%
Balance Sheet The First National Bank of River Falls
River Falls, WI 		Click to
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Total Assets 317.67M
Total Deposits 279.60M
Capital and Reserves The First National Bank of River Falls
River Falls, WI 		Click to
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Capital 22.92M
Leverage Ratio 9.92
Loan Loss Reserves to Loans 1.73%
Risk-Based Capital Ratio 17.57
Liquidity The First National Bank of River Falls
River Falls, WI 		Click to
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Hot Money Ratio 9.28%
Liquidity Ratio 31.78%
Profitability The First National Bank of River Falls
River Falls, WI 		Click to
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5-Year Return on Average Assets 0.87%
Net Income 2.97M
Net Interest Spread 3.12%
Operating Profit to Average Assets 0.89%
Overhead Efficiency Ratio 73.70%
Return on Assets 0.89%
Return on Equity 14.91%