River Bank
Stoddard, Wisconsin, Vernon County
$1.0B in total assets, the 1,054th largest of 4,309 US banks and 31st of 155 headquartered in Wisconsin.
- FDIC certificate
- 14995
- Established
- 1911
- Owned by
- River Holding Co
- Primary regulator
- FDIC
- Website
- https://www.riverbank.biz
At a glance
Compared with 29 banks headquartered in Wisconsin with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.0B | 3% | $1.8B | |
| Loans | $853M | 24% | $1.4B | |
| Deposits | $756M | 7% | $1.5B | |
| Return on assets | 1.22% | 48% | 1.27% | |
| Net interest margin | 2.91% | 7% | 3.75% | |
| Efficiency ratio | 47.9% | 10% | 60.3% | |
| Equity to assets | 12.25% | 66% | 10.46% | |
| Loans to deposits | 113% | 83% | 94% |
Growth
Total assets grew 2.2% a year over the last 5 years and 8.6% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2020 | Union Bank of Sparta Sparta, WI, an affiliate under the same holding company | $160M |
| Oct 2005 | Farmers State Bank Bangor, WI | $77M |
| Jun 1991 | De Soto State Bank De Soto, WI | $6M |
| Jun 1991 | Ferryville State Bank Ferryville, WI | $6M |
Where they operate
13 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| La Crosse County, WI | $407M | 11.0% | 4 of 17 |
| Monroe County, WI | $216M | 22.7% | 2 of 8 |
| Vernon County, WI | $114M | 16.5% | 3 of 7 |
| Crawford County, WI | $19M | 3.6% | 3 of 4 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 2 branches since 2016 (11 to 13, +18.2%). 2 opened, 2 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 11 | |||
| 2020 | Acquired Union Bank of SpartaOpened Tomah and West Salem | 4 | 0 | +4 | 15 |
| 2022 | Closed Sparta | 0 | 1 | −1 | 14 |
| 2025 | Closed West Salem | 0 | 1 | −1 | 13 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Multifamily | 41% | 13% | |
| Commercial real estate | 37% | 32% | |
| 1-4 family residential | 11% | 23% | |
| Construction and land | 5% | 8% | |
| Farmland | 4% | 2% | |
| Business (C&I) | 1% | 12% | |
| Agricultural | 0% | 4% | |
| Consumer | 0% | 3% | |
| Other | 1% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 46% | 29% | |
| Other interest-bearing | 41% | 52% | |
| Noninterest-bearing | 13% | 19% |
Brokered deposits are 0.8% of deposits (peers 6.4%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.16% | 0.36% |
| Net charge-offs, annualized | 0.00% | 0.02% |
| Reserves to loans | 1.36% | 1.05% |
| Leverage ratio | 12.02% | 10.74% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Wisconsin
Largest competitors in La Crosse County, WI
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/river-bank-stoddard-wi