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

River Falls State Bank is headquartered in River Falls and is the 178th largest bank in the state of Wisconsin. It is also the 4,533rd largest bank in the nation. It was established in 1949 and as of September of 2017, it had grown to 23 employees at 1 location. River Falls State Bank's money market rates are 3X 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 - YTD0.88%
Return on Equity - YTD5.79%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$86.1MM$84.9MM
LoansQ3 2017vs Q3 2016$54.2MM$49.4MM
DepositsQ3 2017vs Q3 2016$72.8MM$71.5MM
Equity CapitalQ3 2017vs Q3 2016$13.1MM$13.3MM
Loan Loss AllowanceQ3 2017vs Q3 2016$831.00K$813.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$2.00K$257.00K
Real Estate OwnedQ3 2017vs Q3 2016$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

1.31%$25k-High Yield Money Market Account
0.05%$1k-Money Market Account

River Falls State Bank Checking Account Rates

0.05%$175-NOW Account

River Falls State Bank CD Rates

1.05%*$100k*-72 Month CD
OTHER TIERS: 0.95% Up to $50k | 1.00% $50k - $100k
0.95%*$100k*-60 Month CD
OTHER TIERS: 0.85% Up to $50k | 0.90% $50k - $100k
0.85%*$100k*-33 Month Special CD
OTHER TIERS: 0.75% $2,500 - $50k | 0.80% $50k - $100k
0.65%*$100k*-48 Month CD
OTHER TIERS: 0.55% Up to $50k | 0.60% $50k - $100k
0.50%*$100k*-36 Month CD
OTHER TIERS: 0.40% Up to $50k | 0.45% $50k - $100k
0.40%*$100k*-30 Month CD
OTHER TIERS: 0.30% Up to $50k | 0.35% $50k - $100k
0.40%*$100k*-13 Month Special CD
OTHER TIERS: 0.30% $2,500 - $50k | 0.35% $50k - $100k
0.35%*$100k*-24 Month CD
OTHER TIERS: 0.25% Up to $50k | 0.30% $50k - $100k
0.30%*$100k*-18 Month CD
OTHER TIERS: 0.20% Up to $50k | 0.25% $50k - $100k
0.25%*$100k*-12 Month CD
OTHER TIERS: 0.15% Up to $50k | 0.20% $50k - $100k
0.20%*$100k*-3 Month CD
OTHER TIERS: 0.10% Up to $50k | 0.15% $50k - $100k
0.20%*$100k*-6 Month CD
OTHER TIERS: 0.10% Up to $50k | 0.15% $50k - $100k
0.15%*$100k*-32-90 Day CD
OTHER TIERS: 0.05% Up to $50k | 0.10% $50k - $100k

River Falls State Bank IRA Rates

0.30%*$100k*-18 Month IRA
OTHER TIERS: 0.20% Up to $50k | 0.25% $50k - $100k

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