# RIVER BANK
STODDARD, WI · FDIC certificate 14995 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.02B | |
| Deposits | $755.7M | |
| Loans and leases | $852.9M | |
| Total equity | $124.7M | |
| Loans / deposits | 111.32% (p96 of band) | 87.10% |
| Liquid assets / assets | 14.75% (p21 of band) | |
| Uninsured deposits / deposits | 28.56% (p43 of band) | 30.76% |
| Brokered deposits | 0.61% | |
| Wholesale funding | 13.80% (p76 of band) | |
| FHLB advances / assets | 12.84% | |
| Tier 1 leverage | 12.02% (p76 of band) | 10.50% |
| Unrealized securities loss / equity | -4.53% (p66 of band) | -7.75% |
| AOCI / equity | -0.48% (p36 of band) | |
| ROA (annualized) | 1.14% (p41 of band) | 1.26% |
| Net interest margin | 2.91% (p13 of band) | 3.70% |
| Efficiency ratio | 47.90% (p19 of band) | |
| Noncurrent loans | 0.16% (p20 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 841.80% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 33.52% (p34 of band) | |
| Auto loans | $99,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 112 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 0 |  | reserve under noncurrent, capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | loans exceed deposits |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | loans exceed deposits |
| 2017-03 | 1 | loans exceed deposits |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | construction >100% equity |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | construction >100% equity |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 3 | liquid assets <10%, capital falling |  |
| 2020-03 | 1 |  | liquid assets <10%, capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 3 | wholesale funding >15%, capital falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | wholesale funding >15% |
| 2021-06 | 3 | wholesale funding >15% |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 5 | liquid assets <10%, construction >100% equity |  |
| 2022-03 | 5 | brokered >10% | liquid assets <10% |
| 2022-06 | 3 |  | capital falling, brokered >10% |
| 2022-09 | 4 | brokered >10% |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 6 | NIM <2.5%, deposits shrinking |  |
| 2023-06 | 5 |  | deposits shrinking |
| 2023-09 | 4 |  | brokered >10% |
| 2023-12 | 3 |  | construction >100% equity |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 4 | assets shrinking |  |
| 2024-12 | 5 | deposits shrinking |  |
| 2025-03 | 3 |  | assets shrinking, deposits shrinking |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | wholesale funding >15% |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | NIM <2.5% |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [Text scam appearing as Red River Bank - WAFB](https://news.google.com/rss/articles/CBMidkFVX3lxTFBIZHJuaXJzTUtDRTkwWmlyOGlfMXJPa1IzX1dEb1p0VnFKdVRaNkh5Y2QyWUxTRTlfUnBaZ1Q5cjhOVXJlcnFfU0trdUpyTUo3Sk9VcFZYN1VFSDlNMjJwaldZdE1hMnI3OG9hbGlyWVNjU2psQ3fSAYoBQVVfeXFMUHFZWU90NTEzcGlPS2d3OE12WDlWMXNpSGtjSFJkRkktYmRmZ0s0aVZBYUEtZ0k0WjdtT3JkYWJUelRIeEp6VVFmRWR2MlQ0bWxSd3loNG0yZ191X0w1TU9hTEw1T1lYSGs3ekF2czU0T3dFRl9jb2Z5ckgtNzVEMFA1ZTZVQjNacWhn?oc=5) · WAFB
- 2026-07-20 [Red River Bank opens consolidated New Orleans banking center - New Orleans CityBusiness](https://news.google.com/rss/articles/CBMimAFBVV95cUxQR3JhLXcxVjdhOF9KVHFnSXJJUW5oSjh0RXZCOFRqQ0dtUWVKbXZiYjZwZHM4bDhYdU9lMmlVWTB6aTdoV0QtWk1sbG5mSDBSa2pjY3FIQmlsVDladHpCOFVnNFpJYzFSTEMyTUV1NHpEZENKMjg1ck1YWTlEMXZRb1VZalRKdEZpa3U1TTAwM3FnRmRyZmVhVw?oc=5) · New Orleans CityBusiness
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-03-26 [Robert "Nob" Wenger Obituary Feb 17, 2022 - Beal Funeral Homes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE92ckJXbDkta1hnUzJkemNFeGRvRXliTnhDaWxoaDRfMEo0V0VhUkR5MldjMXU0WlNXZVluU2NZYjhuWWMzQUdhNUg3RHZUaDdJOFQ3dTg4b09vZWtnVnl6MDVCV19IVmdn?oc=5) · Beal Funeral Homes
- 2021-05-12 [Sugar River Bank branches change name to The Bank of New Glarus - The Monroe Times](https://news.google.com/rss/articles/CBMilwFBVV95cUxNY2syS2JkZVg3VklZamtTbTRQeDZmRmdpcndiZXlKY3ozQmY1T2xUSG8wdkJHbG13SXRwYzVweUltNlVxU2tmTkdZakZpY0ozVXFPU242U1lDTEhwMm5kbXU0ZFU1QmdYRXhtWlpJQVZMeFZvX0ZPRERBd3VyWTNnNTVwb09oWkpubVBVNk1HMG9CUTdXMWF3?oc=5) · The Monroe Times
- 2023-12-19 [Cross River Bank aims to continue momentum in 2024 - NJBIZ](https://news.google.com/rss/articles/CBMieEFVX3lxTE1GTEZJU3pPQnJNYXpvTmgtdEhvOXEyTEdxYXlPaFg4V0NTckp5SHF4amNYSXY1Z3VBTzRHdzBVTUNqTTdMcEJSeWE5anNyR2JhaGdvdmI0M2JDd1ctdW5HYzdSbFFtYlJaaXk1M0xRQnFnLVVOZ2tZYw?oc=5) · NJBIZ
- 2021-12-22 [Charles River Bank promotes Derek Plourde to CEO - wbjournal.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxQWHpSdnd5ZjBzdVN1OEtCcDc2MVBmdXlyeGN5WHlhSmJTZ3NKUHNKemJYZnR1YXdvU0RfMkNzYWFDLWZDRXk2aDlCR0d5M3BUZzlVaExSSFNpTkhSZ2xDR2VUOE12QW83RlNISDdEb21ZN3RqUUVUVXN0TDFIWEpENzdDQ1g5dw?oc=5) · wbjournal.com
- 2022-06-22 [Riparian Groundwater Level Variation and Its Impacts on Bank Erosion in the Middle Yangtze River - AGU Publications](https://news.google.com/rss/articles/CBMieEFVX3lxTE94OFpqc1hTTWxkcmNRRFNrR211RWV2djh2N2xTTW41bXlsRGttODZHQ3ZSLXExM0RXNU9tVWItbm5YREZJdzkzTTEzVm51UFJ5MGJ4RjFfWDFBZDYzdUFERGZabFJPbW9RSzNOOVpfNTJFVURneG9ObQ?oc=5) · AGU Publications

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14995 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/19.json (key "14995", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide