Bank · FDIC insured
First National Bank of River Falls
A $325.3M bank headquartered in River Falls, WI, with 2 branches in Wisconsin. Best rates: CDs 0.70% and savings 0.10% APY.
First National Bank of River Falls Carrot Score
60
Carrot Score
Higher than 2% of U.S. banks and credit unions
#93 of 97 in Minneapolis, MN-WI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First National Bank of River Falls
Chartered in 1904, First National Bank of River Falls serves the community of River Falls and the surrounding Pierce and St. Croix County area.
The bank expanded its regional footprint by opening its Prescott office in 1993 and a UW River Falls office in 2006.
- Headquarters
- 104 E Locust St, River Falls, WI 54022
- FDIC certificate
- 5364 ↗
Branches
2 branches in Wisconsin
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Wisconsin
2 branches
- The First National Bank of River FallsMain office104 E Locust St, River Falls, WI 54022Directions
- Prescott Branch1151 Canton St, Prescott, WI 54021Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.06% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.38% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.29% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $59 | $81 | — |
- CapitalLeverage ratio10.06%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.38%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.29%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$59Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First National Bank of River Falls are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.