# RIVER FALLS STATE BANK RIVER FALLS, WI · FDIC certificate 16840 · asset band <$300M · latest filing 2026-06 · live **Verdict on the desk:** this could be *fortress*. 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 | $143.2M | | | Deposits | $127.5M | | | Loans and leases | $104.1M | | | Total equity | $14.1M | | | Loans / deposits | 80.53% (p63 of band) | 73.59% | | Liquid assets / assets | 22.01% (p27 of band) | | | Uninsured deposits / deposits | 11.05% (p18 of band) | 19.81% | | Brokered deposits | 6.38% | | | Wholesale funding | 7.08% (p79 of band) | | | FHLB advances / assets | 0.70% | | | Tier 1 leverage | 11.40% (p45 of band) | 11.76% | | Unrealized securities loss / equity | -18.54% (p25 of band) | -6.57% | | AOCI / equity | -0.25% (p56 of band) | | | ROA (annualized) | 1.10% (p47 of band) | 1.17% | | Net interest margin | 3.65% (p35 of band) | 3.93% | | Efficiency ratio | 69.74% (p59 of band) | | | Noncurrent loans | 0.21% (p41 of band) | 0.36% | | Net charge-offs (annualized) | 0.00% (p38 of band) | | | Reserve coverage of noncurrent | 637.21% | | | Real estate % of loans | 92% | | | Construction % of loans | 106.94% (p95 of band) | | | Auto loans | $1.5M (1.43% of loans; DQ 0.00%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | 6.6% | | | Employees | 21 | | ## Flags firing in the latest filing - **construction >100% equity** (`conc_construction`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 1 | reserve under noncurrent | | | 2011-06 | 1 | | | | 2011-09 | 1 | | | | 2011-12 | 1 | | | | 2012-03 | 2 | capital falling | | | 2012-06 | 1 | | reserve under noncurrent | | 2012-09 | 0 | | capital falling | | 2012-12 | 0 | | | | 2013-03 | 0 | | | | 2013-06 | 0 | | | | 2013-09 | 1 | uninsured deposits leaving | | | 2013-12 | 0 | | uninsured deposits leaving | | 2014-03 | 1 | uninsured deposits leaving | | | 2014-06 | 0 | | uninsured deposits leaving | | 2014-09 | 0 | | | | 2014-12 | 0 | | | | 2015-03 | 0 | | | | 2015-06 | 0 | | | | 2015-09 | 1 | capital falling | | | 2015-12 | 1 | | | | 2016-03 | 0 | | capital falling | | 2016-06 | 0 | | | | 2016-09 | 0 | | | | 2016-12 | 0 | | | | 2017-03 | 0 | | | | 2017-06 | 0 | | | | 2017-09 | 0 | | | | 2017-12 | 0 | | | | 2018-03 | 0 | | | | 2018-06 | 0 | | | | 2018-09 | 0 | | | | 2018-12 | 0 | | | | 2019-03 | 0 | | | | 2019-06 | 0 | | | | 2019-09 | 0 | | | | 2019-12 | 0 | | | | 2020-03 | 0 | | | | 2020-06 | 0 | | | | 2020-09 | 1 | capital falling | | | 2020-12 | 1 | | | | 2021-03 | 0 | | capital falling | | 2021-06 | 0 | | | | 2021-09 | 1 | capital falling | | | 2021-12 | 1 | | | | 2022-03 | 0 | | capital falling | | 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | | | 2022-09 | 3 | capital falling | | | 2022-12 | 3 | | | | 2023-03 | 2 | uninsured deposits leaving | AOCI drag >20% of equity, capital falling | | 2023-06 | 1 | | uninsured deposits leaving | | 2023-09 | 2 | capital falling | | | 2023-12 | 2 | | | | 2024-03 | 1 | | capital falling | | 2024-06 | 2 | uninsured deposits leaving | | | 2024-09 | 1 | capital falling | securities losses >30% of equity, uninsured deposits leaving | | 2024-12 | 3 | securities losses >30% of equity, construction >100% equity | | | 2025-03 | 2 | uninsured deposits leaving | capital falling, securities losses >30% of equity | | 2025-06 | 1 | | uninsured deposits leaving | | 2025-09 | 2 | uninsured deposits leaving | | | 2025-12 | 2 | | | | 2026-03 | 1 | | uninsured deposits leaving | | 2026-06 | 1 | | | ## In the news (Google News, unfiltered, newest first; check the city) - 2023-01-23 [Among Friends kicks off a new year, receives donation - Pierce County Journal](https://news.google.com/rss/articles/CBMipgFBVV95cUxNYUZmVDBKYXZvbnZfMlZCU19WRTkydTZwbzhqWFhGc1B6a1NUMy13N0YzM1A3ZFMxR0VmSThxTjBENmtteDctZi1SVnpfT2F0ZDR2OV9KMTUtM0tiUW5VXzRkTjdpUDQ0cHphY1pWSmVVYTROcjY4bzlzcmd5YjN3Qjk2MTFSOWVWZklwVXN0c2pCTk93SkZvUzNVZjRRV04wZTl6Q1ZB?oc=5) · Pierce County Journal - 2024-05-11 [Audrey Sabby 05/10/2024 - Bakken Young Funeral Home](https://news.google.com/rss/articles/CBMiXkFVX3lxTE11TXZNamR5ZTVHYmN4SWRYbXZpbUU5aDBQZXdjZWZRYlJHc0ZXWGVQcEhXWnJVZV9KOTZadHpjekNtRHB6djhoMW5wdURFMkRkLUM1cWpKaXNBaWFpVGc?oc=5) · Bakken Young Funeral Home - 2025-04-29 [Robert Eugene Moody Obituary - O'Connell Family Funeral Homes & Cremation Services](https://news.google.com/rss/articles/CBMidkFVX3lxTE1YZEFNOGRJNWFoT0JTTHNtT0hDaVJDaXNQdDI3ZFNKZERoQU8wVGpyY2x6UWtTUy1OQnJkQnAwdVZmLTVjZlhkbnBjWG44ZzBqRXVPOXRVTFROVF9BZ3NrNWNTcGNacnA1clF0c2dlMDdsR0plakE?oc=5) · O'Connell Family Funeral Homes & Cremation Services - 2022-05-02 [RF City Council reorganizes - Pierce County Journal](https://news.google.com/rss/articles/CBMihAFBVV95cUxQR3VaVzJWVVhnS0kxczkwbklvY3RhUzRWc1BGR2E5U3J1bWdDSWZXazRvSHoxRFdjTHpPSHU3ajl6QUZJYVpXeGd5NkhULUFlcG5VMWMyQ2pwQ201RjE4alR2NWx6c0hYRmF1R2kyeUxPRzhOR29XbkVvNDRVS28yTUx2STY?oc=5) · Pierce County Journal - 2023-11-10 [Donald R. Foley Obituary Nov 10, 2023 - O'Connell Family Funeral Homes & Cremation Services](https://news.google.com/rss/articles/CBMib0FVX3lxTE05WmhwSHpRYmJaYTd0REJJdVBtZkw1RDNqajRRUnBGZkdudVluX3RwOUYyUkE1ZW1Ydk90V1QxbjR3Q0JKNXg3UkE1YlBTR3BYRE14cU16ak5feThOLUdrek1FbGd2cUxTWWhuakNFQQ?oc=5) · O'Connell Family Funeral Homes & Cremation Services - 2021-11-06 [Jane Petricka Ritzinger 11/06/2021 - Bakken Young Funeral Home](https://news.google.com/rss/articles/CBMiYEFVX3lxTE15dGJNSGJoUzFiaTNsOW5yVm9nZEJNQm9ocGpUQUFBWDkyeWxlZHZqTXRhaG5yM3NzdE9aaF85dlVaeFRNMm5rZVVVZ1lCb0tjMEZaSHZLNGRKTWh0OTdrVA?oc=5) · Bakken Young Funeral Home - 2015-02-14 [Kris Abrahamson 02/13/2015 - Bakken Young Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1YclZiQmZFZlJuY0hmNER2VWxtUDJOZ0pPVnlha2hLUDF4YlBNWTR6T0NaZUoxUnlVakxXODBOOTBUUW5Ic3lrLV9vSWlPUTBkTjZzRWR2RjBzaDlMQnRncGhB?oc=5) · Bakken Young Funeral Home - 2023-07-27 [Former RF Gymnastic Club employee charged with stealing from business - Pierce County Journal](https://news.google.com/rss/articles/CBMivAFBVV95cUxQYzRpdVRXRkk5SUFKNDNEdkh6SlJDSTBSUXVod2pCeFdtZDNORmswU2xHcGpPT2d1LWRWTS1lV2l5UndOa2pNWmVJekYzNUlCOWlDV1pBbHBHNHdWVmZKdVJGVW55TEJ3NzN0MWdjMFNBVTR5ZmJoLWpKQ0J0T1FudC16NFdTbWIzU0xLVk5rcnRaNGZ1SlFkTThBYjZwMDJNVE1jWnEtUy0tY3FuejFqbjlfczhST09DSjRnTA?oc=5) · Pierce County Journal ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=16840 (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/8.json (key "16840", 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide