River Falls, WI · Cert 16840 · River Falls Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #81 of 125 inst. · $0.1B of $253.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.62% | 0.58% | 0.61% | 0.64% | 0.66% | 0.81% | 0.87% | +25 bps | |
| Return on Equity | 6.95% | 7.28% | 6.71% | 6.93% | 7.16% | 7.21% | 8.24% | 8.82% | +190 bps | |
| Net Interest Margin | 2.62% | 2.61% | 2.76% | 2.85% | 2.87% | 2.95% | 3.23% | 3.28% | +43 bps | |
| Efficiency Ratio | 75.96% | 74.49% | 76.20% | 75.21% | 74.63% | 74.56% | 71.63% | 69.74% | -547 bps | |
| Non-Interest Burden | 1.89% | 1.84% | 2.01% | 2.05% | 2.04% | 2.10% | 2.22% | 2.18% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.37% | 4.44% | 2.26% | 1.81% | 2.05% | -2.51% | 3.16% | 3.28% | +147 bps | |
| Loan Growth (YoY) | 4.24% | 7.56% | 5.64% | 7.28% | 1.26% | 1.82% | 6.81% | 1.16% | -612 bps | |
| Deposit Growth (YoY) | 3.88% | 4.64% | 1.53% | 0.68% | 1.56% | -1.30% | 6.23% | 6.56% | +588 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.25% | 0.30% | 0.32% | 0.09% | 0.08% | 0.04% | 0.21% | 0.21% | +12 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.03% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.32% | 1.28% | 1.32% | 1.30% | 1.34% | 1.28% | 1.26% | 1.32% | +2 bps | |
| Allowance Coverage of NPLs | 5.3x | 4.2x | 4.1x | 14.4x | 16.3x | 36.2x | 5.9x | 6.4x | -8.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.81% | 10.58% | 11.10% | 11.19% | 11.00% | 11.04% | 11.49% | 11.40% | +21 bps | |
| Total Risk-Based Capital | 10.81% | 10.58% | 11.10% | 11.19% | 11.00% | 11.04% | 11.49% | 11.40% | +21 bps | |
| Equity / Assets | 9.01% | 8.26% | 9.04% | 9.30% | 9.45% | 9.80% | 9.76% | 9.87% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.18% | 83.02% | 84.80% | 85.96% | 82.94% | 85.64% | 85.26% | 81.61% | -435 bps | |
| Liquid Assets / Assets | 4.48% | 5.20% | 2.72% | 2.96% | 5.56% | 0.55% | 1.21% | 4.43% | +147 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 225% | 228% | 228% | n/a | n/a | |