Pine Country Bank
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Data as of · sourced from FFIEC call reports. How we update
Pine Country Bank is an FDIC-insured commercial bank headquartered in Little Falls, MN, established in 1927 (FDIC certificate 13652), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $380.3M, down 0.8% from Q2 2025, the 68th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 14.31% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13652
- Headquarters
- Little Falls, MN
- Established
- 1927
- Total assets, Q2 2026
- $380.3M
- Assets vs Q2 2025
- -0.8%
- CET1 ratio, Q2 2026
- 14.31%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 091915751
- Holding company
- MIDCOUNTRY ACQUISITION CORP.
- Asset rank in state
- 68th of 221 in Minnesota
Pine Country Bank, based in Little Falls, Minnesota, reported $380 million in assets at June 30, 2026. It lost 1.5% of its deposits over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also pays an average of 1.28% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Its $49 million commercial and industrial book is improving, with 0.65% past due or on nonaccrual, down from 3.66% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 8.0% and deposits fell 1.5%.
As of June 30, 2026, Pine Country Bank reported a CET1 capital ratio of 14.31%, a return on assets of 1.52%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.42%. The figures come from its call report filed with the FFIEC.
Of the 221 banks headquartered in Minnesota, Pine Country Bank is the 68th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.0% to $380.3M, loans rose 2.2% and deposits fell 1.5%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 29.2% of total loans, followed by commercial and industrial loans at 19.9%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in MN; its Little Falls office books 42% of its branch deposits. Judged on its Q2 2026 call report, Pine Country Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1201 1st Ave Ne, Little Falls, MN 56345
- County
- Morrison
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 11, 1927
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 55
- Domestic deposits
- $335.1M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $380.9M
- Average total loans
- $240.9M
- Average interest-bearing deposits
- $235.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13652
- Fed RSSD
- 761459
- Website
- www.pinecountrybank.com →
- Parent Holding Company
- MIDCOUNTRY ACQUISITION CORP. (RSSD 5281989)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Pine Country Bank's total assets ranged from $244.0M (Q2 2024) to $388.9M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$380.3M total assets against $383.2M; $336.4M total liabilities against $341.7M.
$242.2M net loans and leases against $224.1M; $335.1M total deposits against $340.1M.
$99.3M securities against $103.7M; $19.2M cash and balances due against $34.0M.
$5.1M total interest income against $4.9M; $1.1M total interest expense against $1.3M.
$4.0M net interest income against $3.6M.
$325K total noninterest income against $367K; $2.3M total noninterest expense against $2.4M.
No provision recorded in the last 12 quarters.
$1.4M net income against $1.1M.
1.52% return on assets against 1.18%; 4.40% net interest margin against 3.93%.
14.31% CET1 capital ratio against 14.11%; 10.24% tier 1 leverage ratio against 9.44%.
Inside the full Pine Country Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePine Country Bank rankings
Its closest position to the top of a national ranking is 942 of 3,606, for efficiency ratio; its furthest is 3,009 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.98% (Q1 2025) to 1.52% (Q2 2026) and its net interest margin ran from 3.69% (Q1 2025) to 4.45% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.31% | 1.52% | 0.06% | 0.42% | 4.40% |
| Q1 2026 | 14.94% | 1.30% | 0.69% | 4.14% | 4.24% |
| Q4 2025 | 14.47% | 1.41% | 0.06% | 0.94% | 4.31% |
| Q3 2025 | 14.17% | 1.05% | 0.51% | 3.74% | 3.94% |
| Q2 2025 | 14.11% | 1.18% | 0.15% | 1.56% | 3.93% |
| Q1 2025 | 14.21% | 0.98% | 0.13% | 2.25% | 3.69% |
| Q4 2024 | 13.12% | 1.17% | 0.21% | 1.47% | 4.45% |
| Q3 2024 | 14.93% | 1.33% | 0.21% | 1.22% | 4.33% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pine Country Bank (main office) | Little Falls , MN | 56345 | $141.9M |
| Sauk Centre Branch | Sauk Centre , MN | 56378 | $104.6M |
| Royalton Branch | Royalton , MN | 56373 | $55.4M |
| Rice Office Branch | Rice , MN | 56367 | $28.6M |
| Minneapolis Branch | Minneapolis , MN | 55402 | $4.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2025 | Structure Change | Acquired First State Bank of Sauk Centre Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MN, rank 90 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 47 applications, 39 loans originated, $5.8M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $129K approved, $43K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Pine Country Bank
What are Pine Country Bank's total assets?
As of the Q2 2026 filing, Pine Country Bank reported total assets of $380.3 million in its FFIEC call report.
Where is Pine Country Bank headquartered?
It is headquartered in Little Falls, MN, United States.
When was Pine Country Bank founded?
It was established in 1927, per the FDIC institution directory.
Is Pine Country Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13652). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pine Country Bank?
Pine Country Bank's primary federal regulator is the FDIC.
What is Pine Country Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.31% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Pine Country Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pine Country Bank's Texas Ratio?
Its Texas Ratio is 0.42% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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