River Falls, WI · Cert 5364 · First Natl Bcorp River Falls
National charter · OCC · 3 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #51 of 125 inst. · $0.3B 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 | 0.58% | 0.53% | 0.64% | 0.71% | 0.79% | 0.73% | 1.02% | 1.01% | +30 bps | |
| Return on Equity | 9.84% | 9.20% | 11.44% | 12.58% | 13.22% | 11.79% | 14.18% | 14.08% | +150 bps | |
| Net Interest Margin | 2.47% | 2.47% | 2.72% | 2.73% | 2.78% | 2.88% | 3.27% | 3.15% | +43 bps | |
| Efficiency Ratio | 76.42% | 78.70% | 76.10% | 73.52% | 70.95% | 73.70% | 66.76% | 66.03% | -749 bps | |
| Non-Interest Burden | 1.76% | 1.83% | 1.94% | 1.86% | 1.81% | 1.98% | 2.02% | 1.90% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.05% | 1.39% | 0.84% | 2.48% | -0.55% | -0.68% | 1.48% | 1.42% | -106 bps | |
| Loan Growth (YoY) | 11.53% | 10.27% | 11.74% | 8.15% | 6.86% | 1.72% | -1.64% | -0.90% | -905 bps | |
| Deposit Growth (YoY) | -5.52% | -6.85% | -3.56% | -1.54% | 2.73% | 5.67% | 3.30% | 2.97% | +451 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.05% | 0.06% | 0.03% | 0.02% | 0.02% | 0.40% | 0.38% | +35 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | -0.01% | 0.00% | -0.01% | -1 bps | |
| Allowance / Loans | 1.79% | 1.75% | 1.72% | 1.70% | 1.68% | 1.73% | 1.76% | 1.72% | +3 bps | |
| Allowance Coverage of NPLs | 62.7x | 37.5x | 29.2x | 50.7x | 72.3x | 72.5x | 4.4x | 4.5x | -46.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.95% | 9.69% | 9.64% | 9.73% | 9.94% | 9.92% | 9.92% | 10.06% | +33 bps | |
| Total Risk-Based Capital | 17.55% | 17.29% | 17.26% | 17.35% | 17.63% | 17.57% | 17.97% | 18.04% | +70 bps | |
| Equity / Assets | 6.77% | 5.31% | 5.84% | 5.75% | 7.04% | 7.21% | 7.17% | 7.19% | +143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.41% | 62.31% | 60.28% | 61.23% | 60.76% | 59.98% | 57.40% | 58.93% | -230 bps | |
| Liquid Assets / Assets | 0.92% | 0.95% | 0.65% | 1.22% | 0.60% | 0.98% | 3.52% | 3.13% | +191 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 287% | 282% | 270% | n/a | n/a | |