RIVER FALLS BANCSHARES INC is the bank holding company. RIVER FALLS STATE BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

RIVER FALLS BANCSHARES INC

Legal name: RIVER FALLS BANCSHARES, INC.

1 active bank · $141M combined assets

RSSD ID: 2519805 (FFIEC NIC)

Combined Assets

$141M

CRA Rating Summary

Satisfactory1charter

Across all 10 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankRIVER FALLS STATE BANKRIVER FALLS, WISatisfactory$141MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$141M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$126M

Net Income

$357K

ROA (avg)

1.02%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

98.11%

Denial Rate

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
RIVER FALLS STATE BANK	RIVER FALLS, WI	FDIC	$141M	100.0%	Satisfactory	Mar 2026

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.