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.

From Q2 2025 to Q2 2026, the score fell 5 points (69 → 64), mostly because the loan quality component weakened by 21 points.

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

Yes. Pine River State Bank is an FDIC-insured institution (FDIC certificate #10194). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.3% of deposits ($22.6M) 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 8.48%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.61% (benchmark: 10%).

Check how much of your own balance is covered

Pine River State Bank lists 5 offices in 5 cities. Most locations:

• Breezy Point, MN (1)
• Elk River, MN (1)
• Emily, MN (1)
• Pillager, MN (1)
• Pine River, MN (1)

All branch addresses and map

In 2025, Pine River State Bank reported 58 home-loan applications under HMDA (LEI 5493003VXRP1TSRJCM25): 42 originated ($7,620,000 total), 10 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.2%, 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.

Legal name

Pine River State Bank

Type

State-chartered bank

FDIC certificate #

10194

RSSD ID

729057

Primary regulator

FDIC

Holding company

Norbanc Group Inc

Established

January 22, 1918

Headquarters

103 Mill St, Pine River, MN 56474

Website

www.pineriverstatebank.com

Employees

39