River Bank (FDIC #14995): Bank Stress & Real-Estate Credit Exposure

River Bank (FDIC Cert #14995): bank stress 60/100, elevated, STABLE over 7 days; parent RIVER HOLDING CO.

River Bank (#14995) lends in 4 counties across 1 state; River Bank (#14995) reaches 44 ZIP codes: Wisconsin 4 counties, 44 ZIPs.

River Bank (#14995) largest markets: Vernon County, WI (72 branches, 18 ZIPs) (#14995), La Crosse County, WI (75 branches, 15 ZIPs) (#14995), Crawford County, WI (13 branches, 13 ZIPs) (#14995), Monroe County, WI (36 branches, 12 ZIPs) (#14995).

River Bank (#14995) reports $1.02 billion in total assets; River Bank (#14995) equity $124.7 million (12.2% of River Bank (#14995) assets); River Bank (#14995) domestic deposits $755.7 million; River Bank (#14995) net income $5.9 million; River Bank (#14995) return on assets 1.14%; River Bank (#14995) return on equity 9.67%; River Bank (#14995) net interest income $14.6 million; River Bank (#14995) call report June 30, 2026.

River Bank (#14995) noncurrent real-estate loans: none reported; River Bank (#14995) net charge-offs on real estate 0.17%; River Bank (#14995) residential charge-offs 0.37%.

River Bank (#14995) net interest margin 2.91% against an eight-quarter River Bank (#14995) average of 2.30% (River Bank (#14995) compression -0.61 points); River Bank (#14995) non-residential real estate 36.9% of equity; River Bank (#14995) rate-exposure score 40/100, River Bank (#14995) fixed-rate trap 40/100; River Bank (#14995) risk type credit driven; River Bank (#14995) rate regime rates elevated, River Bank (#14995) snapshot October 19, 2026.

River Bank (#14995) stress score moved from 66.2 on June 22, 2026 to 59.7 on October 20, 2026; River Bank (#14995) ranged 59.7 to 66.2 over 117 snapshots.

River Bank (#14995) alerts: 4 counties; top River Bank (#14995) alert scores: Ferryville County, WI 21 (low); Tomah County, WI 21 (low); Westby County, WI 21 (low); West Salem County, WI 21 (low).