B
The First National Bank of River Falls
Rating Date
June 2025
Risk Based
Capital Ratio
17.26
Leverage
Ratio
9.64
Return On
Assets
0.77%
Total
Assets
321.13M
Capital
18.75M
Total
Deposits
278.72M
Net
Income
648.00K
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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 8.00
Liquidity Index 4.00
Profitability Index 3.30
Stability Index 3.60
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 0.84%
5-Year Asset Growth 3.10%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.02%
Non-Performing Loans to Capital 0.10%
Non-Performing Loans to Loans 0.04%
Balance Sheet The First National Bank of River Falls
River Falls, WI 		Click to
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Total Assets 321.13M
Total Deposits 278.72M
Capital and Reserves The First National Bank of River Falls
River Falls, WI 		Click to
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Capital 18.75M
Leverage Ratio 9.64
Loan Loss Reserves to Loans 1.72%
Risk-Based Capital Ratio 17.26
Liquidity The First National Bank of River Falls
River Falls, WI 		Click to
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Hot Money Ratio 9.64%
Liquidity Ratio 32.63%
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 648.00K
Net Interest Spread 2.99%
Operating Profit to Average Assets 0.77%
Overhead Efficiency Ratio 76.10%
Return on Assets 0.77%
Return on Equity 14.51%