Bank · FDIC insured
River Falls State Bank
A $143.2M bank headquartered in River Falls, WI, with 1 branch in Wisconsin. Best rates: CDs 4.11% and savings 0.60% APY.
River Falls State Bank Carrot Score
80
Carrot Score
Higher than 53% of U.S. banks and credit unions
#47 of 97 in Minneapolis, MN-WI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About River Falls State Bank
Founded in 1949, River Falls State Bank is headquartered in River Falls, Wisconsin.
Originally established at Main and Elm Streets, the bank relocated to its current Second Street location in 1974.
- Headquarters
- 124 S 2nd St, River Falls, WI 54022
- FDIC certificate
- 16840 ↗
Branches
1 branch in Wisconsin
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Wisconsin
1 branch
- River Falls State BankMain office124 S 2nd St, River Falls, WI 54022Directions
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 | 11.40% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.21% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.10% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $82 | $81 | — |
- CapitalLeverage ratio11.40%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.21%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.10%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$82Peers’ 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 River Falls State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.