Pine Country Bank

BankLittle Falls, Minnesota
http://www.pinecountrybank.com

Total Assets

$383.6M

Total Deposits

$336.8M

Branches

5

Established

1927

TFS Health Grade

$
D+

69.2 / 100

Below average financial health

How we grade

Pine Country Bank is a bank headquartered in Little Falls, Minnesota, established in 1927. With $383.6M in total assets and 5 branch locations, it has a TFS Financial Health Grade of D+ (69.2/100).

Capital & Safety

Tier 1 Capital Ratio
9.87%(8%)
Total Capital Ratio
15.48%(10%)
Non-Performing Loan Ratio
0.06%

Profitability

Return on Assets (ROA)
1.16%(1%)
Return on Equity (ROE)
10.51%(10%)
Net Interest Margin
4.04%
Efficiency Ratio
59.95%(60%)

Lending & Liquidity

Total Loans
$237.9M
Loan-to-Deposit Ratio
69.89%
Net Charge-Off Ratio
0.05%

Growth

Asset Growth (YoY)
+55.95%
Deposit Growth (YoY)
+55.10%
Net Income
$4.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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