🏦Bank Scorer

RIVER BANK

STODDARD, WI · Supervised by FDIC

Est. 1911FDIC #14,995RSSD: FDIC-14995
Part ofRIVER HOLDING CO→ View all charters
Satisfactory Same

Current rating · Exam: August 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.85%

Institution Profile

FDIC BankFind

Address

145 N Main St, STODDARD, WI

County

Vernon County

Established

October 11, 1911

Total Assets

$1.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$795M

Net Loans

$837M

Net Income

$2M

ROA

0.85%

ROE

7.32%

Risk-Based Capital

15.56%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate6.17%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

14

Branch Deposits

$743M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20248177.78%6.17%
20238782.76%5.75%
202219187.43%6.28%
202145488.77%4.63%
202028183.63%6.41%
201913578.52%11.85%
201813773.72%13.14%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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