Pine River State Bank
Pine River, MN
IDRSSD: 729057
Total Assets
$188.29M
Latest filing
Total Deposits
$172.50M
Latest filing
Net Interest Margin
3.72%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
091914121PINE RIVER, MN
Key People
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Locations
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Main Office
Pine River State Bank
103 Mill St
Pine River, MN 56474
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/22/1918FDIC Certificate 6533
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Pine River State Bank (Main) | 103 Mill St | Pine River, MN |
| EMILY BRANCH | 40099 State Highway 6 | Emily, MN |
| BREEZY POINT BRANCH | 31019 Wildwood Ct | Breezy Point, MN |
| PILLAGER BRANCH | 201 River St N | Pillager, MN |
| NOWTHEN BRANCH | 8141 Viking Blvd Nw | Elk River, MN |
Showing 4 of 4
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 Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/22/1918 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 56474 |
| State and County Number | 27021 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Brainerd, MN |
Operational Info
| Number of Employees | 38 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.pineriverstatebank.com |
| Data Updated | 01/30/2026 |
| CERT | 10194 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $188.29M |
| Total Deposits | $172.50M |
| Total Liabilities | $172.93M |
| Total Equity Capital | $15.36M |
| Net Income | $532.00k |
| Net Loans and Leases | $98.88M |
| Assets Per Employee ($Millions) | $5.09M |
| Bank Premises and Fixed Assets | $2.11M |
| Cash and Balances due from Depository Institutions | $22.79M |
| Deposits Held in Domestic Offices | $172.50M |
Key Performance Ratios
| Return on Assets (ROA) | 1.15% |
| Return on Equity (ROE) | 14.2% |
| Net Interest Margin | 3.72% |
| Efficiency Ratio | 68.93% |
| Tier 1 Risk-Based Capital Ratio | 16.932% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.158% |
| Earning Assets to total Assets | 96.22% |
Income and Expense
| Total Interest Income | $2.26M |
| Total Noninterest Income | $91.00k |
| Total Interest Expense | $604.00k |
| Total Noninterest Expense | $1.21M |
| Net Interest Income | $1.66M |
| Pre-tax Net Operating Income | $524.00k |
| Provision for Credit Losses | $20.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $324.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.36M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $436.00k |
| Total Liabilities and Capital | $188.29M |
Securities
| Securities | $58.10M |
| Available-for-sale debt securities | $58.05M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Pine River State Bank?
$188.29M as of the latest filing.
How much are Pine River State Bank's total deposits?
$172.50M in total deposits.
Where is Pine River State Bank located?
Pine River, MN.
What is the Net Interest Margin?
3.72%.
How many domestic offices does it operate?
5.
When was it established?
01/22/1918.
What is the Return on Assets (ROA)?
1.15%.
How much are total loans and leases?
$98.88M (latest filing).
What is the total interest income (latest filing)?
$2.26M.