Pine River State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 47.54 percentage points in Q2 2026, from 174.41% to 126.87%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Pine River State Bank is 173rd of 221 on return on assets, 0.97% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Pine River State Bank sits 0.29 points lower, at 0.97% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.36% |
| Tier 1 risk-based capital ratio | 16.36% |
| Total risk-based capital ratio | 17.61% |
| Tier 1 leverage ratio | 8.48% |
| Equity capital to assets | 8.17% |
| Tangible equity to tangible assets | 8.17% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.88% |
| Non-performing assets ratio | 0.66% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 7.51% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 126.87% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.97% |
| Return on equity | 11.82% |
| Net interest margin | 3.86% |
| Efficiency ratio | 74.17% |
| Yield on earning assets | 5.19% |
| Cost of funds | 1.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.85% |
| Core deposits to total deposits | 95.49% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.62% |
| Securities to assets | 30.04% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.17% | 14.17% | 15.39% | 7.32% | 0.45% |
| Q4 2023 | 14.15% | 14.15% | 15.35% | 7.52% | 0.43% |
| Q1 2024 | 14.81% | 14.81% | 16.06% | 8.01% | 0.38% |
| Q2 2024 | 14.73% | 14.73% | 15.98% | 8.16% | 0.56% |
| Q3 2024 | 14.89% | 14.89% | 16.14% | 7.85% | 0.69% |
| Q4 2024 | 15.36% | 15.36% | 16.61% | 8.02% | 0.78% |
| Q1 2025 | 15.23% | 15.23% | 16.48% | 8.35% | 0.73% |
| Q2 2025 | 14.18% | 14.18% | 15.35% | 8.26% | 0.94% |
| Q3 2025 | 16.09% | 16.09% | 17.34% | 8.07% | 0.96% |
| Q4 2025 | 16.93% | 16.93% | 18.18% | 8.19% | 1.13% |
| Q1 2026 | 17.06% | 17.06% | 18.31% | 8.22% | 0.88% |
| Q2 2026 | 16.36% | 16.36% | 17.61% | 8.48% | 0.97% |
Pine River State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pine River State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Pine River State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10194) · FFIEC NIC profile (RSSD 729057)