PINE RIVER STATE BANK

PINE RIVER, MN | Small | Est. Jan. 22, 1918, midnight | FDIC #10194 | RSSD #729057 | FDIC
Latest Report: 2025-12-31

PINE RIVER STATE BANK is asn small FDIC-insured commercial bank headquartered in PINE RIVER, MN, established in Jan. 22, 1918, midnight. As of 2025-12-31, the bank reported total assets of $188M and total deposits of $172M. Profitability stands at 1.15% ROA and 14.20% ROE, with a net interest margin of 3.89%. The bank's CET1 capital ratio is 16.93%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 2.08%. FDIC Certificate #10194.

Assets

$188M

Deposits

$172M

Loans

$100M

Equity

$15M

Profitability

Return on Assets (ROA) 1.15%
Return on Equity (ROE) 14.20%
Net Interest Margin (NIM) 3.89%
Yield on Assets 5.31%
Cost of Funds 1.42%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.02%
Texas Ratio 2.08%
NPA Ratio 0.18%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 16.93%
Tier 1 Capital 16.93%
Total Capital Ratio 18.18%
Leverage Ratio 8.19%
Loan-to-Deposit 58.01%

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