River Valley Bank

327 North 17th Avenue
Wausau, WI 54401

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 19772
Date Established 1967
Assets $1.38 billion
Loans $1.02 billion
Deposits $1.22 billion
Capital $0.13 billion

River Valley Bank is an FDIC insured institution located in Wausau, WI. It was founded in 1967 and has approximately $1.38 billion in assets. Customers can open an account at one of its 20 branches.

For a more detailed analysis of River Valley Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 24, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.02% $1 $9,999 Learn MoreShow Less
Money Market
0.05% $10,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.27% $1 $149,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.10% $1,000 - Learn MoreShow Less
6 Mo CD
0.15% $1,000 - Learn MoreShow Less
12 Mo CD
0.35% $1,000 - Learn MoreShow Less
18 Mo CD
0.35% $1,000 - Learn MoreShow Less
24 Mo CD
0.50% $1,000 - Learn MoreShow Less
30 Mo CD
0.50% $1,000 - Learn MoreShow Less
36 Mo CD
1.05% $1,000 - Learn MoreShow Less
48 Mo CD
1.26% $1,000 - Learn MoreShow Less
60 Mo CD
1.51% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.35% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.45% $10 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $300 - Learn MoreShow Less

Online Only CD Rates of Incredible Bank

Online CD Rates APY MIN MAX
12 Month CD
1.51% $1,000 - Learn MoreShow Less
24 Month CD
1.61% $1,000 - Learn MoreShow Less
36 Month CD
1.71% $1,000 - Learn MoreShow Less

Bank Online Offers


Loan Rates - August 24, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for River Valley Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.529% 3.500% 0.38 $898 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.240 %
$0 Learn More
More Info

Note to River Valley Bank
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Branches

River Valley Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


River Valley Bank Locations


Financial Details

River Valley Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of River Valley Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
River Valley Bank U.S. Bank Average
7.23% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, River Valley Bank had $3,362,000 in non-current loans and $6,239,000 in owned real estate. To cover these potential losses it had $125,958,000 in equity and $6,892,000 in loans loss reserves. That gives it a Texas Ratio of 7.23%.

Return on Equity
River Valley Bank U.S. Bank Average
15.4% 9.47%

River Valley Bank has a Return on Equity of 15.4% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
River Valley Bank U.S. Bank Average
9.12% 12.49%

River Valley Bank has a Capitalization of 9.12% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

River Valley Bank Balance Sheet Analysis

As of March 31, 2019, River Valley Bank had assets of $1,380,500,000, loans of $1,016,405,000, and deposits of $1,215,847,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.07 billion
Interest-bearing balances $0.05 billion
Total securities $0.20 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $1.02 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $0.02 billion
All other assets $0.04 billion
     Total Assets $1.25 billion
LIABILITIES
Total deposits $1.22 billion
      Interest-bearing deposits $1.05 billion
      Deposits held in domestic offices $1.22 billion
      % insured (estimated) 75.53%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.03 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $1.25 billion
      Shareholders’ Equity $0.13 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in River Valley Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Wisconsin, River Valley Bank has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 14.11
Multifamily
Mortgages
2.70
Credit Card Loans 0.00
Consumer Auto Loans 0.23
Small Business Loans 10.05
Construction and Development Loans 8.28
Commercial Real Estate 40.23
Commercial and Industrial Loans 27.65
Farm Loans 0.00

Frequently Asked Questions About River Valley Bank

Branches and Savings

Is River Valley Bank FDIC insured?

Yes. It is covered under FDIC Certificate #19772.

Why does River Valley Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are River Valley Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is River Valley Bank a commercial bank?

Yes

Where are River Valley Bank locations?

See branch locations nearby.

Is River Valley Bank open on Saturdays?

Is River Valley Bank open on Sundays?

What time does River Valley Bank open?

What time does River Valley Bank close?

Are River Valley Bank ATMs Open 24/7?

Do River Valley Bank ATMs accept cash deposits?

Can River Valley Bank customers use other ATMs?

Do River Valley Bank branches have notaries?

Will River Valley Bank notarize my document?

What address for River Valley Bank should I put for incoming ACH transfers?

Will the River Valley Bank branch print checks?

Do River Valley Bank checks expire?

Does River Valley Bank require US citizenship to open account?

Can River Valley Bank close my account?

Does River Valley Bank Report to credit bureaus?

Does River Valley Bank Use Equifax?

What is River Valley Bank's ACH Routing Number?

What is River Valley Bank's SWIFT code?

Products

Does River Valley Bank offer mortgages?

Compare mortgage rates here.

Does River Valley Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does River Valley Bank offer personal loans?

Compare personal loan rates here.

Does River Valley Bank offer student loans?

Will River Valley Bank cash a check?

Will River Valley Bank redeem a savings bond?

Does River Valley Bank cash savings bonds?

Will River Valley Bank cash money orders?

Can River Valley Bank issue a money order?

Does River Valley Bank do currency exchange?

Background on The Bank

Who owns River Valley Bank?

How long has River Valley Bank been around?

Can River Valley Bank transfer to other banks?

Does River Valley Bank have quick pay?

Does River Valley Bank accept rolled coins?

Will River Valley Bank accept loose change?

Where is River Valley Bank headquarters?

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