The First National Bank of River Falls
River Falls, WI
IDRSSD: 956255
Total Assets
$317.67M
Latest filing
Total Deposits
$279.60M
Latest filing
Net Interest Margin
3.47%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
091802877RIVER FALLS, WI
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank of River Falls
104 E Locust St
River Falls, WI 54022
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/04/1904FDIC Certificate 3619
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First National Bank of River Falls (Main) | 104 E Locust St | River Falls, WI |
| PRESCOTT BRANCH | 1151 Canton St | Prescott, WI |
| WELLHAVEN BRANCH | 119 Union St | River Falls, WI |
Showing 2 of 2
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
River Falls State Bank
River Falls, Wisconsin
→
Assets: $140.52MΔ -56.0%
Clare Bank, National Association
Platteville, Wisconsin
→
Assets: $319.84MΔ +0.2%
Cumberland Federal Bank, FSB
Cumberland, Wisconsin
→
Assets: $324.88MΔ +1.8%
State Bank of Newburg
Newburg, Wisconsin
→
Assets: $326.21MΔ +2.2%
Bank of Alma
Alma, Wisconsin
→
Assets: $326.53MΔ +2.3%
The Equitable Bank, S.S.B.
Wauwatosa, Wisconsin
→
Assets: $326.61MΔ +2.3%
Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/04/1904 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 54022 |
| State and County Number | 55093 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Minneapolis-St. Paul-Bloomington, MN-WI |
Operational Info
| Number of Employees | 51 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.fnbrf.com |
| Data Updated | 01/30/2026 |
| CERT | 5364 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $317.67M |
| Total Deposits | $279.60M |
| Total Liabilities | $294.75M |
| Total Equity Capital | $22.91M |
| Net Income | $555.00k |
| Net Loans and Leases | $164.79M |
| Assets Per Employee ($Millions) | $6.11M |
| Bank Premises and Fixed Assets | $4.28M |
| Cash and Balances due from Depository Institutions | $8.46M |
| Deposits Held in Domestic Offices | $279.60M |
Key Performance Ratios
| Return on Assets (ROA) | 0.7% |
| Return on Equity (ROE) | 9.78% |
| Net Interest Margin | 3.47% |
| Efficiency Ratio | 81.35% |
| Tier 1 Risk-Based Capital Ratio | 16.32% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.213% |
| Earning Assets to total Assets | 91.43% |
Income and Expense
| Total Interest Income | $3.47M |
| Total Noninterest Income | $442.00k |
| Total Interest Expense | $928.00k |
| Total Noninterest Expense | $2.43M |
| Net Interest Income | $2.54M |
| Pre-tax Net Operating Income | $557.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $2.43M |
| Federal Funds Sold & Reverse Repurchase Agreement | $739.00k |
| Federal Funds Purchased and Repurchased Agreement | $9.77M |
| All Other Liabilities | $2.96M |
| Total Liabilities and Capital | $317.67M |
Securities
| Securities | $121.81M |
| Available-for-sale debt securities | $121.81M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First National Bank of River Falls?
$317.67M as of the latest filing.
How much are The First National Bank of River Falls's total deposits?
$279.60M in total deposits.
Where is The First National Bank of River Falls located?
River Falls, WI.
What is the Net Interest Margin?
3.47%.
How many domestic offices does it operate?
3.
When was it established?
01/04/1904.
What is the Return on Assets (ROA)?
0.7%.
How much are total loans and leases?
$164.79M (latest filing).
What is the total interest income (latest filing)?
$3.47M.