River Falls State Bank: how it compares with its peers
Against 48 WI banks with half to twice its assets, River Falls State Bank's strongest measure in Q2 2026 is assets per employee ($6.8M vs. a $6.4M peer median). Its weakest relative measure is net interest margin (3.65% vs. 4.03%).
| Measure | River Falls State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.10% | 1.20% | Middle third Ahead of 40% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.65% | 4.03% | Bottom third Ahead of 29% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.74% | 65.37% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $6.4M | Middle third Ahead of 60% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.53% | 85.61% | Context |
What it means for lending operations
Its efficiency ratio of 69.74% is above the 65.37% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Cashton Cashton, WI · $146M
- The Pineries Bank Stevens Point, WI · $149M
- Security State Bank Iron River, WI · $136M
- Bluff View Bank Galesville, WI · $153M
- Waldo State Bank Waldo, WI · $154M
- Bonduel State Bank Bonduel, WI · $132M
Questions about River Falls State Bank
How big is River Falls State Bank?
River Falls State Bank, established in 1949, is headquartered in River Falls, WI. It reported $143M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is River Falls State Bank's return on assets?
1.10% annualized in Q2 2026, against a 1.20% median for 48 WI banks with half to twice its assets, ahead of 40% of them.
What is River Falls State Bank's efficiency ratio?
69.74% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 65.37%, and lower is better.
Is River Falls State Bank growing its loans?
Net loans grew 1.1% over the year to Q2 2026, while deposits grew 6.6%.
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.