PackageTrendsPeer
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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 75thStandingRank8-Qtr TrendPeer 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