PINERIES BANK, THE

STEVENS POINT, WI | Small | Est. June 1, 1906, midnight | FDIC #9526 | RSSD #674344 | FDIC
Latest Report: 2025-12-31

PINERIES BANK, THE is asn small FDIC-insured commercial bank headquartered in STEVENS POINT, WI, established in June 1, 1906, midnight. As of 2025-12-31, the bank reported total assets of $149M and total deposits of $131M. Profitability stands at 1.51% ROA and 13.76% ROE, with a net interest margin of 3.50%. The bank's CET1 capital ratio is 21.50%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.01%. FDIC Certificate #9526.

Assets

$149M

Deposits

$131M

Loans

$95M

Equity

$16M

Profitability

Return on Assets (ROA) 1.51%
Return on Equity (ROE) 13.76%
Net Interest Margin (NIM) 3.50%
Yield on Assets 5.13%
Cost of Funds 1.70%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.01%
NPA Ratio 0.00%
ACL / Loans 0.65%

Capital & Liquidity

CET1 Ratio 21.50%
Tier 1 Capital 21.50%
Total Capital Ratio 22.39%
Leverage Ratio 10.86%
Loan-to-Deposit 72.30%

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