BlastPoint's Banking Scorecard
The First National Bank of River Falls
River Falls, WI
3 branches across WI
The First National Bank of River Falls has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.48% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 44.3% in tier
- - Net Interest Margin 0.25% below tier average
- - Efficiency Ratio 1.48% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$325.9M
+1.5% YoY
+2.6% QoQ
|
-$60.2M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
50% |
| Total Loans ? |
$162.4M
-1.7% YoY
-1.5% QoQ
|
-$93.3M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
39% |
| Total Deposits ? |
$287.9M
+3.3% YoY
+3.0% QoQ
|
-$40.1M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
52% |
| Return on Assets ? |
1.30%
+60.3% YoY
+39.6% QoQ
|
+0.03% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
56% |
| Net Interest Margin ? |
3.68%
+19.4% YoY
+14.5% QoQ
|
-0.25% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
40% |
| Efficiency Ratio ? |
66.76%
-12.3% YoY
-9.4% QoQ
|
+1.48% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
40% |
| Delinquency Rate ? |
0.41%
+577.0% YoY
|
-0.48% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
56.39%
-4.8% YoY
-4.3% QoQ
|
-20.24% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Top 14.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.37%
+5.1% YoY
-3.7% QoQ
|
-1.65% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.20%
+555.9% YoY
|
-0.44% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
59% |
| Tier 1 Capital Ratio ? |
16.71%
+4.4% YoY
+2.4% QoQ
|
+0.88% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.13%
-5.5% YoY
-77.8% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
66% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.