FDIC Cert #5364 · River Falls, Wisconsin · Est. 1904

The First National Bank of River Falls - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$318M
Total assets
B
Health grade · Good
0.93%
Return on assets
16.3%
Tier 1 capital

Data updated July 2026

The verdict

The First National Bank of River Falls earns a PlainBankData health grade of B (78/100), with well-capitalized at 16.32% Tier 1, 0.93% ROA, 74% efficiency ratio.

#2,410
largest of 4,313 FDIC banks by assets
44th
percentile by asset size, nationally
16.32%
Tier 1 ratio - above the 10% well-capitalized line
38th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 5364 · WI B · 78/100

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

  • GRADE-B B (78/100)
  • MID-PACK #2215/4307
  • PHOTO-FINISH Extraco Banks, Natio… · TX
  • TIER1-WELL 16.3% Tier 1
  • TEXAS-CLEAN 0.2% Texas
  • ROA-PAR 0.93% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wisconsin: Extraco Banks, National Association, TX (±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 The First National Bank of River Falls

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

Morgan Stanley Bank,… · UT ·…100/100Extraco Banks, Natio… · TX ·…78/100Fannin Bank · TX · near78/100First State Bank · IA · near78/100The First National B… · WI ·…78/100The Miners National… · MN · …78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First National Bank of River Falls · July 2026

Call Report read for The First National Bank of River Falls in a high-failure state

The First National Bank of River Falls (FDIC Cert #5364) carries a PlainBankData health grade of B at 78/100, 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 #2,215 of 4,307. Tier 1 capital prints at 16.32%, clearing the 10% well-capitalized line. The Texas Ratio is 0.15%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.93%. Balance-sheet scale is $318M, 2,410th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Extraco Banks, National Association (TX), 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 The First National Bank of River Falls

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

The First National Bank of River Falls 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 The First National Bank of River Falls'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 The First National Bank of River Falls's 78/100 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 avg77/10078/100
The First National Bank of River Falls's composite health score
Tier 1 Capital Ratio (16.32%) 40/40
Return on Assets (ROA) (0.93%) 14/25
Texas Ratio (0.15%) 20/20
Efficiency Ratio (73.70%) 4/15

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

Balance sheet at a glance

Total Assets

$318M

Total balance-sheet footings

Total Deposits

$280M

Customer-funded liabilities

Net Loans

$165M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.92% 16.32% 17.72%
Basel III capital ratios - The First National Bank of River Falls

Where The First National Bank of River Falls ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of River Falls's score of 78/100 falls in the highlighted band.

The First National Bank of River Falls: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

78 49th percentile higher than 49% 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%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The First National Bank of River Falls 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

The First National Bank of River Falls'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). The First National Bank of River Falls's $318M falls in the highlighted band.

Capital & credit buffers at The First National Bank of River Falls

Tier 1 capital ratio
Well-capitalized 10%

16.32% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.32%
Texas Ratio
0.15%
Equity Capital
$23M

What these ratios mean →

Profitability metrics: The First National Bank of River Falls

Return on Assets (ROA)
38th percentile nationally
0.93%
Return on Equity (ROE)
14.91%
Efficiency Ratio
73.70%

What these mean →

Income & expense at The First National Bank of River Falls

$14M
Interest Income
$2M
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank of River Falls reports a Texas Ratio of 0.15% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.15% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The First National Bank of River Falls 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 ($318M here), outside Wisconsin so the neighborhood is not state containment.

Bank of Coushatta $318M · LA Ultima Bank Minnesota $317M · MN Decatur County Bank $317M · TN Brighton Bank $317M · UT

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank of River Falls (FDIC Cert #5364) - 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.

The First National Bank of River Falls 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%