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The First National Bank Of River Falls
River Falls, WI · FDIC Certificate #5364 · Chartered 01/0
Total assets
$325.27M
Total deposits
$286.58M
Total equity
$23.39M
Net loans
$165.97M
Branches (offices)
3
Net income (YTD)
$2.08M
Rank: #2,357 of 4,213 U.S. banks by assets · #94 of 153 in Wisconsin. Assets changed 1.4% and deposits 3.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.29% |
| Return on equity | 17.91% |
| Net interest margin (YTD) | 3.54% |
| Equity to assets | 7.19% |
| Tier 1 leverage ratio | 10.06% |
| Uninsured deposits (share of deposits) | 18.8% |
| Noncurrent loans (share of loans) | 0.38% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 57.9% |
| Real estate loans (share of loans) | 85.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $141.27M | 85.1% | |
| Commercial & industrial | $19.79M | 11.9% | |
| Consumer / individual | $4.96M | 3.0% | |
| Construction & development | $16.57M | 10.0% | |
| Agricultural | $2.33M | 1.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $325.65M | $299.58M | $1.64M | $17.97M |
| Jun 2023 | $312.46M | $287.86M | $1.46M | $16.29M |
| Jun 2024 | $312.96M | $282.66M | $1.21M | $17.56M |
| Jun 2025 | $320.72M | $278.31M | $1.44M | $18.46M |
| Jun 2026 | $325.27M | $286.58M | $2.08M | $23.39M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $286.58M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $286.58M.
Similar-sized banks
Decatur County Bank ($325.64M) · Heritage Bank ($324.90M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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