River Falls State Bank

Overview / Commentary
124 South Second Street
River Falls, WI 54022

River Falls State Bank is headquartered in River Falls and is the 163rd largest bank in the state of Wisconsin. It is also the 4,097th largest bank in the nation. It was established in 1949 and as of December of 2019, it had grown to 24 employees at 1 location. River Falls State Bank's money market rates are 93% higher than the national average, and it has an A health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. River Falls State Bank has a relatively low asset base.

Health Grade Components

FDIC Certificate #16840
Year Established1949
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.11%
Return on Equity - YTD7.67%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$94.8MM$91.8MM
LoansQ4 2019vs Q4 2018$64.7MM$56.2MM
DepositsQ4 2019vs Q4 2018$81.3MM$78.7MM
Equity CapitalQ4 2019vs Q4 2018$13.4MM$13.0MM
Loan Loss AllowanceQ4 2019vs Q4 2018$951.00K$824.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$252.00K$126.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

River Falls State Bank Savings Account Rates

0.05%$90-Passbook Savings Account
0.05%--State Club Account

River Falls State Bank Money Market Rates

0.85%$25k-High Yield Money Market Account
0.75%*$15k*-Money Market Account
OTHER TIERS: 0.15% $1k - $5k | 0.45% $5k - $15k

River Falls State Bank Checking Account Rates

0.05%$175-NOW Account

River Falls State Bank CD Rates

1.56%$500-72 Month CD
1.46%$500-60 Month CD
1.26%$2.5k-39 Month CD Special
1.15%$500-48 Month CD
1.00%$500-36 Month CD
1.00%$2.5k-16 Month CD Special
0.80%$500-30 Month CD
0.75%$500-24 Month CD
0.50%$500-18 Month CD
0.45%$500-12 Month CD
0.40%$500-3 Month CD
0.40%$500-6 Month CD
0.20%$500-32-90 Day CD

River Falls State Bank IRA Rates

1.56%$500-18 Month IRA

River Falls State Bank Locations
River Falls State Bank124 South Second StreetRiver Falls, WI 54022

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