Pine Country Bank (FDIC certificate #13652) is based in Little Falls, Minnesota. Its Q2 2026 call report shows $380.3M in total assets and $335.1M in deposits and 4 offices.
Pine Country Bank has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 42nd. Problem-loan coverage contributes the most (99/100, 0.3%); capital cushion contributes the least (52/100, 10.24%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (73 → 78), mostly because the earnings component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 78 |
| Q4 2024 | 74 |
| Q1 2025 | 73 |
| Q2 2025 | 73 |
| Q3 2025 | 71 |
| Q4 2025 | 76 |
| Q1 2026 | 73 |
| Q2 2026 | 78 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.35% |
| Q3 2024 | 10.46% |
| Q4 2024 | 9.13% |
| Q1 2025 | 9.52% |
| Q2 2025 | 9.44% |
| Q3 2025 | 9.67% |
| Q4 2025 | 9.87% |
| Q1 2026 | 10.46% |
| Q2 2026 | 10.24% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.21% |
| Q4 2024 | 0.21% |
| Q1 2025 | 0.13% |
| Q2 2025 | 0.15% |
| Q3 2025 | 0.51% |
| Q4 2025 | 0.06% |
| Q1 2026 | 0.69% |
| Q2 2026 | 0.06% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.47% |
| Q3 2024 | 1.43% |
| Q4 2024 | 1.37% |
| Q1 2025 | 0.97% |
| Q2 2025 | 1.08% |
| Q3 2025 | 1.07% |
| Q4 2025 | 1.16% |
| Q1 2026 | 1.29% |
| Q2 2026 | 1.40% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $380.3M | 10.24% | 0.06% | 1.40% | 72.3% |
| Q1 2026 | 73 | $388.0M | 10.46% | 0.69% | 1.29% | 69.6% |
| Q4 2025 | 76 | $383.6M | 9.87% | 0.06% | 1.16% | 69.9% |
| Q3 2025 | 71 | $388.9M | 9.67% | 0.51% | 1.07% | 66.8% |
| Q2 2025 | 73 | $383.2M | 9.44% | 0.15% | 1.08% | 65.9% |
| Q1 2025 | 73 | $384.6M | 9.52% | 0.13% | 0.97% | 66.1% |
| Q4 2024 | 74 | $246.0M | 9.13% | 0.21% | 1.37% | 68.9% |
| Q3 2024 | 78 | $253.7M | 10.46% | 0.21% | 1.43% | 71.1% |
| Q2 2024 | 80 | $244.0M | 10.35% | 0.01% | 1.47% | 73.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| North Star BankBank Roseville, MN | 71 out of 100, Strong | $378.7M | 11.0% | 0.94% | vs |
| First Bank Elk RiverBank Elk River, MN | 64 out of 100, Moderate | $369.2M | 10.7% | 0.53% | vs |
| ProGrowth BankBank Nicollet, MN | 56 out of 100, Moderate | $364.8M | 7.1% | 0.00% | vs |
| The Citizens National Bank of Park RapidsBank Park Rapids, MN | 72 out of 100, Strong | $397.0M | 11.7% | 1.10% | vs |
| Heritage Bank National AssociationBank Spicer, MN | 34 out of 100, Low | $361.1M | 10.8% | 3.84% | vs |
| United Community BankBank Perham, MN | 49 out of 100, Below average | $359.3M | 10.5% | 2.95% | vs |
Deposit insurance
Is my money safe at Pine Country Bank?
Yes. Pine Country Bank is an FDIC-insured institution (FDIC certificate #13652). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.5% of deposits ($58.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.24%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.30% (benchmark: 10%).
4 locations
Branches
Pine Country Bank lists 4 offices in 4 cities. Most locations:
- Little Falls, MN (1)
- Rice, MN (1)
- Royalton, MN (1)
- Sauk Centre, MN (1)
HMDA 2025
Mortgage lending
In 2025, Pine Country Bank reported 47 home-loan applications under HMDA (LEI 549300HDE2HTZZL30G11): 39 originated ($5,815,000 total), 4 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.1%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Pine Country Bank
- Former names
- Royalton State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 13652
- RSSD ID
- 761459
- Primary regulator
- FDIC
- Holding company
- Midcountry Acquisition Corp
- Established
- May 11, 1927
- Headquarters
- 1201 1st Ave Ne, Little Falls, MN 56345
- Website
- www.pinecountrybank.com
- Employees
- 55
Quick answers
Pine Country Bank: common questions
Is Pine Country Bank FDIC insured?
Yes. Pine Country Bank is an FDIC-insured institution (FDIC certificate #13652). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Pine Country Bank's TellerScore?
78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Pine Country Bank ever failed?
There is no failure record for FDIC certificate #13652 in the FDIC failed bank list.
How many branches does Pine Country Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Little Falls
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of MilacaBank Milaca, MN | 81 out of 100, Strong | $293.2M | 10.8% | 0.37% | vs |
| Battle Bank, National AssociationBank Upsala, MN | 79 out of 100, Strong | $180.8M | 33.3% | 0.00% | vs |
| Sentry BankBank Saint Joseph, MN | 70 out of 100, Strong | $415.5M | 8.7% | 0.00% | vs |
| Farmers and Merchants State Bank of PierzBank Pierz, MN | 69 out of 100, Moderate | $336.2M | 9.3% | 1.03% | vs |
| Magnifi Financial Credit UnionCredit union Melrose, MN | 68 out of 100, Moderate | $2.8B | 11.0% | 0.21% | vs |
| First State Bank of SwanvilleBank Swanville, MN | 68 out of 100, Moderate | $23.8M | 18.1% | 2.16% | vs |