First National Bank of River Falls

First National Bank of River Falls is headquartered in River Falls and is the 79^th largest bank in the state of Wisconsin. It is also the 2,456^th largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 74 employees at 4 locations. First National Bank of River Falls has a 3-star health rating.

First National Bank of River Falls Routing Number: 091818023

First National Bank of River Falls Checking Account Rates

Data for Q1 2012

Institution Statistics The First National Bank of River Falls FDIC Certificate # 5364 BankRate Report View Year Established 1904 Employees 74 Primary Regulator OCC Assets and Liabilities Assets $262.22 million Loans $154.99 million Deposits $215.09 million Equity Capital $29.78 million Loan Loss Allowance $3.19 million Unbacked Noncurrent Loans $6.18 million Real Estate Owned $3.94 million Historic Data - March 2011 Assets $273.44 million Equity Capital $27.67 million Loan Loss Allowance $4.12 million Unbacked Noncurrent Loans $5.55 million Real Estate Owned $3.84 million Profit Margin - Quarterly Net Interest Margin 3.81% Return on Assets 1.58% Return on Equity 14.26% Interest Income $2.74 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 First National Bank of River Falls had $10.11 million in non-current loans and owned real-estate with $32.97 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of River Falls a Texas Ratio of 30.68% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First National Bank of River Falls held steady from 29.19% as of March 31, 2011 to 30.68% as of March 31, 2012, resulting in a negative change of 5.10%. This indicates that the balance sheet and financial strength for First National Bank of River Falls has held steady in recent periods. Deposit Growth In the past year, First National Bank of River Falls has decreased its total deposits by -$7.89 million, resulting in -3.54% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First National Bank of River Falls has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First National Bank of River Falls has $262.22 million in assets with $32.97 million in equity, resulting in a capitalization level of 12.57%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.