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 River Falls State Bank Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 11, 2026
River Falls State Bank's top rates as of October 11, 2026 are 4.11% APY on its 39-Month Special CD, 0.20% APY on savings, 1.51% APY on money market accounts, 0.05% APY on checking, and 7.00% on its 15 Year Fixed Rate Mortgage, according to rates verified by MonitorBankRates. Other River Falls State Bank CD rates include 16-Month Special CD at 4.06%, 24-Month Certificate at 3.34%, and 36-Month Certificate at 3.34%. Other River Falls State Bank mortgage rates include 20 Year Fixed Rate Mortgage at 7.375%, and 30 Year Fixed Rate Mortgage at 7.50%. MonitorBankRates evaluates the financial stability of River Falls State Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.52%. Rates last updated and verified on 10/11/2026. River Falls State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at River Falls State Bank? Share your experience about River Falls State Bank by leaving a review below, or read customer reviews before you decide to use River Falls State Bank. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. River Falls State Bank CD Rates
River Falls State Bank Savings Rates
River Falls State Bank Money Market Rates
River Falls State Bank Checking Rates
River Falls State Bank Mortgage Rates
Financial Health HistoryRiver Falls State Bank’s Texas Ratio rose from 0.00% in Q3 2023 to 1.52% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for River Falls State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather River Falls State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with River Falls State Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
River Falls State Bank
Bank Holding Company
RIVER FALLS BANCSHARES INC
Address
124 S 2nd St,
River Falls, WI 54022 · Pierce
Website
https://www.rfstatebank.com
FDIC Certificate #
16840
Established
19491003
FDIC Insurance Date
19491003
Domestic Offices
1
Total Branches
1
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
1.52%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.1022%
Return on Equity (ROE)
11.2400%
Non-Performing Loans (NPL)
0.15%
Total Assets
$143,197,000
Total Deposits
$127,516,000
Equity Capital
$14,128,000
Net Income
$775,000
Headquarters
River Falls
Total Branches and Offices
1
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for River Falls State Bank
Frequently Asked Questions About River Falls State BankHow many branches does River Falls State Bank operate?River Falls State Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, River Falls State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, River Falls State Bank provides members with tools to manage their accounts and build a solid financial history. Does River Falls State Bank offer online and mobile banking?Most modern institutions like River Falls State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.rfstatebank.com. Current River Falls State Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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