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First National Bank of River Falls, The

River Falls, WI · Cert 5364 · First Natl Bcorp River Falls

National charter · OCC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

61

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

19

Q2 2024Q2 2026peer median

Efficiency

43

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of River Falls, The

River Falls, WI · Cert 5364 · First Natl Bcorp River Falls

National charter · OCC · 3 branches

Q2 2026

$325.3MAssets
$168.9MLoans
$286.6MDeposits
$23.4MEquity
Loan mix
85%RE $138.7M12%C&I $19.1M3%Consumer $4.9MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $226.2M21%Noninterest $60.4MQ2 2025Q2 2026

NIM

3.67%Q2 ’244.02%Q2 ’254.24%Q2 ’26+10%+16%

Non-interest income vs. expense

2.30%Q2 ’242.39%Q2 ’252.43%Q2 ’26+6%+2%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #51 of 125 inst. · $0.3B of $253.2B

36.1% Pierce
0.0% St. Croix

Executive Summary

  • Earnings: ROA of 1.01%, up 30 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.38% of loans (+35 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.06%, up 33 bps from a year ago.
  • Funding: loans stand at 58.93% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.01%+30 bps YoY

Net Interest Margin (YTD, annualized)

3.15%+43 bps YoY

Efficiency Ratio (YTD, annualized)

66.03%-749 bps YoY

Tier 1 Leverage Ratio

10.06%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.79%0.73%1.02%1.01%+30 bps
Return on Equity12.58%13.22%11.79%14.18%14.08%+150 bps
Net Interest Margin2.73%2.78%2.88%3.27%3.15%+43 bps
Efficiency Ratio73.52%70.95%73.70%66.76%66.03%-749 bps
Non-Interest Burden1.86%1.81%1.98%2.02%1.90%+4 bps
Growth
Asset Growth (YoY)2.48%-0.55%-0.68%1.48%1.42%-106 bps
Loan Growth (YoY)8.15%6.86%1.72%-1.64%-0.90%-905 bps
Deposit Growth (YoY)-1.54%2.73%5.67%3.30%2.97%+451 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.02%0.02%0.40%0.38%+35 bps
Net Charge-Offs / Loans0.00%0.00%-0.01%0.00%-0.01%-1 bps
Allowance / Loans1.70%1.68%1.73%1.76%1.72%+3 bps
Allowance Coverage of NPLs50.7x72.3x72.5x4.4x4.5x-46.2x
Capital
Tier 1 Leverage Ratio9.73%9.94%9.92%9.92%10.06%+33 bps
Total Risk-Based Capital17.35%17.63%17.57%17.97%18.04%+70 bps
Equity / Assets5.75%7.04%7.21%7.17%7.19%+143 bps
Liquidity & Funding
Loans / Deposits61.23%60.76%59.98%57.40%58.93%-230 bps
Liquid Assets / Assets1.22%0.60%0.98%3.52%3.13%+191 bps
CRE / Total Capitaln/a287%282%270%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank of River Falls, The

River Falls, WI · Cert 5364 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · First Natl Bcorp River Falls

National charter · OCC · 3 branches

Q2 2026

$325.3MAssets
$168.9MLoans
$286.6MDeposits
$23.4MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 87% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 7 of 53).
  • Widest gap: equity / assets trails 89% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 47 of 53).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.01%

Rank 32 of 53

Net Interest Margin

3.15%

Rank 45 of 53

Efficiency Ratio

66.03%

Rank 31 of 53

Equity / Assets

7.19%

Rank 47 of 53

Non-interest income vs. expense

$1.7M$8.1MINCOMEEXPENSE
Unfavorable gap of $6.3M · efficiency ratio beats 43% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 66.03%Peer median 65.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.01%0.73%1.11%1.30%Beats 40%32 / 53
Return on Equity13.98%7.88%12.20%14.12%Beats 68%17 / 53
Net Interest Margin3.15%3.39%3.77%4.09%Beats 15%45 / 53
Efficiency Ratio66.03%56.05%65.05%71.57%Beats 43%31 / 53
Asset Quality
Nonperforming Loans / Loans0.38%0.14%0.52%1.20%Beats 57%24 / 53
Net Charge-Offs / Loans0.00%0.00%0.01%0.08%Beats 60%22 / 53
Capital
Tier 1 Capital Ratio16.79%10.73%12.98%15.08%Beats 85%8 / 53
Total Risk-Based Capital Ratio18.04%11.49%13.79%16.34%Beats 87%7 / 53
Equity / Assets7.19%8.08%9.25%10.72%Beats 11%47 / 53
Liquidity & Funding
Loans / Deposits58.93%72.13%82.29%93.80%13th pctl46 / 53
Loans / Assets51.92%63.64%71.80%79.37%13th pctl46 / 53
Brokered Deposits / Depositsn/aNot reported for this institution