River Bank: how it compares with its peers
Against 52 WI banks with half to twice its assets, River Bank's strongest measure in Q2 2026 is efficiency ratio (47.90% vs. a 61.14% peer median). Its weakest relative measure is net interest margin (2.91% vs. 3.79%).
| Measure | River Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.14% | 1.22% | Middle third Ahead of 46% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.91% | 3.79% | Bottom third Ahead of 10% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.90% | 61.14% | Top third Ahead of 85% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.1M | $7.4M | Top third Ahead of 77% of peers |
| Loans to deposits Net loans and leases over total deposits. | 111.32% | 89.64% | Context |
What it means for lending operations
Its efficiency ratio of 47.90% is better than the 61.14% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Port Washington State Bank Port Washington, WI · $1.01B
- Prevail Bank Medford, WI · $1.03B
- Security Financial Bank Durand, WI · $1.04B
- Peoples State Bank Prairie Du Chien, WI · $993M
- Bank Cmg Madison, WI · $1.06B
- Great Midwest Bank, S.S.B. Brookfield, WI · $1.06B
Questions about River Bank
How big is River Bank?
River Bank, established in 1911, is headquartered in Stoddard, WI. It reported $1.02B in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is River Bank's return on assets?
1.14% annualized in Q2 2026, against a 1.22% median for 52 WI banks with half to twice its assets, ahead of 46% of them.
What is River Bank's efficiency ratio?
47.90% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 61.14%, and lower is better.
Is River Bank growing its loans?
Net loans grew 1.9% over the year to Q2 2026, while deposits grew 1.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.