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Pine River State Bank
Pine River, MN · FDIC Certificate #10194 · Chartered 01/2
Total assets
$185.32M
Total deposits
$169.79M
Total equity
$15.13M
Net loans
$105.53M
Branches (offices)
5
Net income (YTD)
$852.00K
Rank: #3,081 of 4,213 U.S. banks by assets · #120 of 221 in Minnesota. Assets changed 3.5% and deposits 3.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.92% |
| Return on equity | 11.27% |
| Net interest margin (YTD) | 3.71% |
| Equity to assets | 8.17% |
| Tier 1 leverage ratio | 8.48% |
| Uninsured deposits (share of deposits) | 13.3% |
| Noncurrent loans (share of loans) | 0.74% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 62.2% |
| Real estate loans (share of loans) | 89.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $94.56M | 89.6% | |
| Commercial & industrial | $5.90M | 5.6% | |
| Consumer / individual | $1.90M | 1.8% | |
| Construction & development | $11.07M | 10.5% | |
| Agricultural | $2.93M | 2.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $176.09M | $167.06M | $361.00K | $8.87M |
| Jun 2023 | $180.50M | $159.25M | $382.00K | $9.32M |
| Jun 2024 | $174.31M | $158.80M | $391.00K | $11.32M |
| Jun 2025 | $178.98M | $164.58M | $726.00K | $14.02M |
| Jun 2026 | $185.32M | $169.79M | $852.00K | $15.13M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $169.79M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $169.79M.
Similar-sized banks
Peoples Bank ($185.38M) · Citizens' Bank Of Charleston ($185.14M)
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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