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Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

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Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

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up to $300

Our Rating

4.2 / 5

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Overview / Commentary

www.fnbrf.com

715-425-2401

104 East Locust Street
River Falls, WI 54022

First National Bank of River Falls is headquartered in RIVER FALLS and is the 91^st largest bank in the state of Wisconsin. It is also the 2,402^nd largest bank in the nation. It was established in 1904 and as of March of 2025, it had grown to 49 employees at 3 locations. First National Bank of River Falls has a B+ health rating.

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Health

B+

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	5364
Year Established	1904
Employees	49
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.81%
Return on Equity - YTD	14.51%
Annual Interest Income	$3.4MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$321.1MM$318.4MM
Loans	Q1 2025vs Q1 2024	$165.1MM$147.5MM
Deposits	Q1 2025vs Q1 2024	$278.7MM$289MM
Equity Capital	Q1 2025vs Q1 2024	$18.7MM$17.3MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2.9MM$2.9MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$34K$23K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Rates for First National Bank of River Falls are currently being reviewed.

Locations

First National Bank of River Falls Locations
The First National Bank Of River Falls	104 E Locust St	River Falls, WI 54022
Prescott Branch	1151 North Canton Street	Prescott, WI 54021
Uw-River Falls Branch	500 Wild Rose Avenue	River Falls, WI 54022

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