River Falls State Bank
River Falls, WI
IDRSSD: 955753
Total Assets
$140.52M
Latest filing
Total Deposits
$121.08M
Latest filing
Net Interest Margin
3.37%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
River Falls State Bank
124 S 2nd St
River Falls, WI 54022
Full Service - Brick and Mortar
Updated 11/14/2025Established 10/03/1949FDIC Certificate 10939
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| River Falls State Bank (Main) | 124 S 2nd St | River Falls, WI | ||
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
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/03/1949 |
| 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 | 21 |
| 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 | 21 |
| Domestic Offices | 1 |
| 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 | 10/03/1949 |
| Primary Insurance Agency | DIF |
| Website | www.rfstatebankonline2.com |
| Data Updated | 11/14/2025 |
| CERT | 16840 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $140.52M |
| Total Deposits | $121.08M |
| Total Liabilities | $127.24M |
| Total Equity Capital | $13.28M |
| Net Income | $315.00k |
| Net Loans and Leases | $99.07M |
| Assets Per Employee ($Millions) | $6.69M |
| Bank Premises and Fixed Assets | $614.00k |
| Cash and Balances due from Depository Institutions | $9.97M |
| Deposits Held in Domestic Offices | $121.08M |
Key Performance Ratios
| Return on Assets (ROA) | 0.9% |
| Return on Equity (ROE) | 9.63% |
| Net Interest Margin | 3.37% |
| Efficiency Ratio | 73.58% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.452% |
| Earning Assets to total Assets | 92.66% |
Income and Expense
| Total Interest Income | $1.66M |
| Total Noninterest Income | $158.00k |
| Total Interest Expense | $565.00k |
| Total Noninterest Expense | $919.00k |
| Net Interest Income | $1.09M |
| Pre-tax Net Operating Income | $315.00k |
| Provision for Credit Losses | $15.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $5.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $585.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $657.00k |
| Total Liabilities and Capital | $140.52M |
Securities
| Securities | $22.74M |
| Available-for-sale debt securities | $22.46M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of River Falls State Bank?
$140.52M as of the latest filing.
How much are River Falls State Bank's total deposits?
$121.08M in total deposits.
Where is River Falls State Bank located?
River Falls, WI.
What is the Net Interest Margin?
3.37%.
How many domestic offices does it operate?
1.
When was it established?
10/03/1949.
What is the Return on Assets (ROA)?
0.9%.
How much are total loans and leases?
$99.07M (latest filing).
What is the total interest income (latest filing)?
$1.66M.