Bank Comparison
Pine Country Bank vs Citizens National Bank of Park Rapids, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Pine Country Bank | Citizens National Bank of Park Rapids, the |
|---|---|---|
| CET1 Ratio | 14.94% | — |
| Tier 1 Capital Ratio | 14.94% | — |
| Total Capital Ratio | 15.94% | — |
| Tier 1 Leverage Ratio | 10.46% | 12.28% |
| Equity / Assets | 12.00% | 12.02% |
Profitability
| Metric | Pine Country Bank | Citizens National Bank of Park Rapids, the |
|---|---|---|
| Return on Assets (ROA) | 1.30% | 2.09% |
| Return on Equity (ROE) | 10.82% | 17.38% |
| Net Interest Margin (NIM) | 4.24% | 4.31% |
| Yield on Earning Assets | 5.43% | 6.07% |
| Cost of Funds | 1.28% | 1.94% |
Asset quality
| Metric | Pine Country Bank | Citizens National Bank of Park Rapids, the |
|---|---|---|
| Texas Ratio | 8.90% | 4.15% |
| Non-Performing Loan Ratio | 0.84% | 0.53% |
| Non-Performing Asset Ratio | 0.52% | 0.44% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.09% | 1.67% |
Balance sheet
| Metric | Pine Country Bank | Citizens National Bank of Park Rapids, the |
|---|---|---|
| Total Assets | $387,974K | $380,050K |
| Total Deposits | $340,091K | $330,981K |
| Total Loans | $239,476K | $300,194K |
| Total Equity | $46,545K | $45,683K |
| Net Income (quarter) | $1,244K | $1,974K |
Liquidity & funding
| Metric | Pine Country Bank | Citizens National Bank of Park Rapids, the |
|---|---|---|
| Loan-to-Deposit Ratio | 70.42% | 90.70% |
| Core Deposit Ratio | 93.82% | 86.46% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Pine Country Bank | Citizens National Bank of Park Rapids, the |
|---|---|---|
| Headquarters City | LITTLE FALLS | PARK RAPIDS |
| Headquarters State | MN | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 13692 |
| Regulator | FDIC | OCC |
| Domestic Branches | 5 | 1 |
| Employees (FTE) | 54 | 50 |
| Established | May 11, 1927, midnight | Jan. 1, 1933, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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