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Pine Country Bank
Little Falls, MN · FDIC Certificate #13652 · Chartered 05/1
Total assets
$380.28M
Total deposits
$335.11M
Total equity
$43.87M
Net loans
$242.18M
Branches (offices)
5
Net income (YTD)
$2.69M
Rank: #2,146 of 4,213 U.S. banks by assets · #68 of 221 in Minnesota. Assets changed -0.8% and deposits -1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.40% |
| Return on equity | 11.87% |
| Net interest margin (YTD) | 4.37% |
| Equity to assets | 11.54% |
| Tier 1 leverage ratio | 10.24% |
| Uninsured deposits (share of deposits) | 17.5% |
| Noncurrent loans (share of loans) | 0.06% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 72.3% |
| Real estate loans (share of loans) | 67.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $163.97M | 67.7% | |
| Commercial & industrial | $48.80M | 20.2% | |
| Consumer / individual | $3.29M | 1.4% | |
| Construction & development | $12.07M | 5.0% | |
| Agricultural | $28.65M | 11.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $253.14M | $226.96M | $1.08M | $25.59M |
| Jun 2023 | $245.99M | $214.55M | $1.45M | $26.47M |
| Jun 2024 | $243.97M | $205.63M | $1.81M | $28.82M |
| Jun 2025 | $383.23M | $340.12M | $2.08M | $41.54M |
| Jun 2026 | $380.28M | $335.11M | $2.69M | $43.87M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $335.11M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $335.11M.
Similar-sized banks
Crossroads Bank ($380.66M) · Banner Capital Bank ($379.75M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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