FDIC Cert #16840 · River Falls, Wisconsin · Est. 1949

River Falls State Bank - FDIC Bank Health Profile

A community-scale look at River Falls State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$138M
Total assets
B
Health grade · Good
0.84%
Return on assets
11.0%
Tier 1 capital

Data updated July 2026

The verdict

River Falls State Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 11.04% Tier 1, 0.84% ROA, 75% efficiency ratio.

#3,456
largest of 4,313 FDIC banks by assets
20th
percentile by asset size, nationally
11.04%
Tier 1 ratio - above the 10% well-capitalized line
32nd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 16840 · WI B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3489/4307
  • PHOTO-FINISH National Bank of St.… · IL
  • TIER1-WELL 11.0% Tier 1
  • TEXAS-CLEAN 0.2% Texas
  • ROA-PAR 0.84% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wisconsin: National Bank of St. Anne, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around River Falls State Bank

Lowest and highest poles plus nearest scored peers outside Wisconsin, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community State Bank… · PA ·…66/100First State Bank · TX · near66/100National Bank of St.… · IL ·…66/100River Falls State Bank · WI …66/100The Peoples Bank · KY · near66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around River Falls State Bank · July 2026

Call Report read for River Falls State Bank in a high-failure state

River Falls State Bank (FDIC Cert #16840) carries a PlainBankData health grade of B at 66/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,489 of 4,307. Tier 1 capital prints at 11.04%, clearing the 10% well-capitalized line. The Texas Ratio is 0.25%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.84%. Balance-sheet scale is $138M, 3,456th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is National Bank of St. Anne (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around River Falls State Bank

11 FAILURE resolutions in Wisconsin since 2000, heavy vs the state corpus

River Falls State Bank sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2017). The list below is state history from the Failed Bank List, not a claim about River Falls State Bank's current Call Report.

  • GUARANTY BANK MILWAUKEE, WI 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • NORTH MILWAUKEE STATE BANK MILWAUKEE, WI 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • BANK OF WAUSAU WAUSAU, WI 2013 → NICOLET NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Wisconsin banks.

How River Falls State Bank's 66/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10066/100
River Falls State Bank's composite health score
Tier 1 Capital Ratio (11.04%) 28/40
Return on Assets (ROA) (0.84%) 14/25
Texas Ratio (0.25%) 20/20
Efficiency Ratio (74.56%) 4/15

66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$138M

Total balance-sheet footings

Total Deposits

$122M

Customer-funded liabilities

Net Loans

$103M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.64% 11.04% 12.44%
Basel III capital ratios - River Falls State Bank

Where River Falls State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. River Falls State Bank's score of 66/100 falls in the highlighted band.

River Falls State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 19th percentile higher than 19% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. River Falls State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

River Falls State Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). River Falls State Bank's $138M falls in the highlighted band.

Capital & credit buffers at River Falls State Bank

Tier 1 capital ratio
Well-capitalized 10%

11.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.04%
Texas Ratio
0.25%
Equity Capital
$13M

What these ratios mean →

Profitability metrics: River Falls State Bank

Return on Assets (ROA)
32nd percentile nationally
0.84%
Return on Equity (ROE)
9.14%
Efficiency Ratio
74.56%

What these mean →

Income & expense at River Falls State Bank

$6M
Interest Income
$552K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. River Falls State Bank reports a Texas Ratio of 0.25% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.25% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View River Falls State Bank on FDIC BankFind →

Top banks in Wisconsin by total assets

Largest banks headquartered in Wisconsin
  1. 1
    Associated Bank $45.1B

    Green Bay, WI · Grade A

  2. 2
    Nicolet National Bank $9.2B

    Green Bay, WI · Grade A

  3. 3
    Johnson Bank $7.2B

    Racine, WI · Grade A

  4. 4
    Town Bank $4.5B

    Hartland, WI · Grade A

  5. 5
    Bank First $4.5B

    Manitowoc, WI · Grade A

Top 5 banks in Wisconsin ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($138M here), outside Wisconsin so the neighborhood is not state containment.

The Merchants & Citizens Bank $138M · GA First Federal Savings Bank of Angola $138M · IN State Bank of Cherry $138M · IL First State Bank of Brownsboro $138M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) River Falls State Bank (FDIC Cert #16840) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

River Falls State Bank Call Report profile · FDIC Failed Bank List · Wisconsin FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Wisconsin

All Wisconsin banks →
BankAssetsGradeROA
Associated Bank, National AssociationGreen Bay $45.1B A 1.10%
Nicolet National BankGreen Bay $9.2B A 1.66%
Johnson BankRacine $7.2B A 1.07%
Town Bank, National AssociationHartland $4.5B A 1.27%
Bank First, N.A.Manitowoc $4.5B A 1.64%
First Business BankMadison $4.1B B 1.36%
John Deere Financial, f.s.b.Middleton $3.4B A 3.87%
Lake Ridge BankMiddleton $3.3B B 0.98%