River Falls State Bank Rates and Review March 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.
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River Falls State Bank's 6-Month Certificate of Deposit rates are at 3.65%, 72-Month Certificate of Deposit rates are at 2.78%, 72-Month IRA Certificate of Deposit rates are at 2.78%, 60-Month Certificate of Deposit rates are at 2.73%, 48-Month Certificate of Deposit rates are at 2.47%. River Falls State Bank's savings rates are at 0.05%. River Falls State Bank's money market rates are at 0.05%. River Falls State Bank's 15 Year Fixed Rate rates are at 5.50%, 20 Year Fixed Rate rates are at 5.62%, 30 Year Fixed Rate rates are at 5.88%. 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 0.00%. Rates were last updated on 03/05/2026.
Rate Updates and AvailabilityRiver 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. River Falls State Bank Texas RatioRiver Falls State Bank's Texas Ratio is at 0.00%, which is considered perfect. The Texas Ratio for River Falls State Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
River Falls State Bank has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, River Falls State Bank is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 100/100
River Falls State Bank has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/05/2026 
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
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 & OverviewRiver Falls State Bank
124 S 2nd StRiver Falls, WI 54022 Pierce Established Date: 10/03/1949 FDIC Certificate #: 16840 Date of FDIC Deposit Insurance: 10/03/1949 Bank Holding Company: RIVER FALLS BANCSHARES INC How Many Domestic U.S. Offices? 1 How Many Branches are There? 1 Website: https://www.rfstatebank.com
Is River Falls State Bank FDIC Insured? Yes
What is River Falls State Bank's Cert number? 16840
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A+ (100/100)
Texas Ratio:
0.00%
Return on Assets (ROA):
0.7312%
Return on Equity (ROE):
9.1400%
Non-Performing Loans (NPL):
0.00%
Total Assets:
$137,652,000
Total Deposits:
$122,000,000
Equity Capital:
$13,489,000
Net Income:
$1,164,000
Headquarters:
River Falls
Regulator:
FDIC
# of Offices:
1
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About River Falls State BankHow do I open an account at River Falls State Bank?You can typically open an account at River Falls State Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, River Falls State Bank provides a range of mortgage and home equity products. Is River Falls State Bank a safe place to deposit money?Yes, River Falls State Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does River Falls State Bank offer online and mobile banking?Most modern institutions like River Falls State Bank provide digital access including online balance checks and transfers. Compare to other Banks |
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