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Pine Country Bank

Little Falls, MN
IDRSSD: 761459
Total Assets
$388.92M
Latest filing
Total Deposits
$343.10M
Latest filing
Net Interest Margin
4.02%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date05/11/1927
Community BankYes
Ownership TypeNot Mutual
ZIP56345
State and County Number27097
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number09
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameN/A

Operational Info

Number of Employees56
Domestic Offices5
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date01/01/2025
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitehttp://www.pinecountrybank.com
Data Updated11/14/2025
CERT13652
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$388.92M
Total Deposits$343.10M
Total Liabilities$344.85M
Total Equity Capital$44.07M
Net Income$1.01M
Net Loans and Leases$229.23M
Assets Per Employee ($Millions)$7.07M
Bank Premises and Fixed Assets$4.52M
Cash and Balances due from Depository Institutions$34.40M
Deposits Held in Domestic Offices$343.10M

Key Performance Ratios

Return on Assets (ROA)1.05%
Return on Equity (ROE)9.44%
Net Interest Margin4.02%
Efficiency Ratio63.46%
Tier 1 Risk-Based Capital Ratio14.166%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets11.331%
Earning Assets to total Assets92.89%

Income and Expense

Total Interest Income$4.88M
Total Noninterest Income$320.00k
Total Interest Expense$1.27M
Total Noninterest Expense$2.52M
Net Interest Income$3.61M
Pre-tax Net Operating Income$1.41M
Provision for Credit Losses$0
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$214.00k
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$1.75M
Total Liabilities and Capital$388.92M

Securities

Securities$104.75M
Available-for-sale debt securities$104.48M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$185.00k
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Pine Country Bank?
$388.92M as of the latest filing.
How much are Pine Country Bank's total deposits?
$343.10M in total deposits.
Where is Pine Country Bank located?
Little Falls, MN.
What is the Net Interest Margin?
4.02%.
How many domestic offices does it operate?
5.
When was it established?
05/11/1927.
What is the Return on Assets (ROA)?
1.05%.
How much are total loans and leases?
$229.23M (latest filing).
What is the total interest income (latest filing)?
$4.88M.