B
The First National Bank of River Falls
Rating Date
August 2026
Risk Based
Capital Ratio
18.04
Leverage
Ratio
10.06
Return On
Assets
1.25%
Total
Assets
325.27M
Capital
23.39M
Total
Deposits
286.58M
Net
Income
2.08M
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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 8.60
Capitalization Index 8.60
Liquidity Index 3.90
Profitability Index 4.40
Stability Index 4.30
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 1.42%
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 0.20%
Non-Performing Loans to Capital 1.76%
Non-Performing Loans to Loans 0.38%
Balance Sheet The First National Bank of River Falls
River Falls, WI 		Click to
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Total Assets 325.27M
Total Deposits 286.58M
Capital and Reserves The First National Bank of River Falls
River Falls, WI 		Click to
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Capital 23.39M
Leverage Ratio 10.06
Loan Loss Reserves to Loans 1.72%
Risk-Based Capital Ratio 18.04
Liquidity The First National Bank of River Falls
River Falls, WI 		Click to
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Hot Money Ratio 9.79%
Liquidity Ratio 32.38%
Profitability The First National Bank of River Falls
River Falls, WI 		Click to
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5-Year Return on Average Assets 0.82%
Net Income 2.08M
Net Interest Spread 3.45%
Operating Profit to Average Assets 1.25%
Overhead Efficiency Ratio 66.03%
Return on Assets 1.25%
Return on Equity 17.88%