Total Assets
$138M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$122M
Customer-funded liabilities
Net Loans
$103M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
32nd percentile nationally
0.84%
Return on Equity (ROE)
9.14%
Efficiency Ratio
74.56%
What the numbers say about River Falls State Bank
River Falls State Bank is an FDIC-insured institution (Certificate #16840) headquartered in River Falls, Wisconsin, established in 1949. It holds $138M in total assets - 3,456th of 4,313 FDIC-insured banks, $122M in customer deposits, and $103M in net loans. On safety, its Tier 1 capital ratio of 11.04% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.25% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (66/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, River Falls State Bank ranks 134th of 155 banks based in Wisconsin -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$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.
Top banks in Wisconsin by total assets
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.
Other banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is River Falls State Bank's health grade?▼
River Falls State Bank receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is River Falls State Bank?▼
River Falls State Bank holds $138M in total assets and $122M in deposits, ranking 3,456th of 4,313 FDIC-insured banks by asset size. It is headquartered in River Falls, Wisconsin.
Is my money safe at River Falls State Bank?▼
Yes, deposits at River Falls State Bank (Certificate #16840) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is River Falls State Bank's Tier 1 Capital Ratio?▼
River Falls State Bank has a Tier 1 Capital Ratio of 11.04%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for River Falls State Bank?▼
River Falls State Bank has a Texas Ratio of 0.25%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is River Falls State Bank?▼
River Falls State Bank has an Efficiency Ratio of 74.56%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read River Falls State Bank's profile as a depositor or analyst.
- River Falls State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare River Falls State Bank against other Wisconsin banks before moving funds. Wisconsin banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.