Side-by-side · Q2 2026 data
Pine Country Bank vs Liberty Bank Minnesota
Metric by metric
| Measure | Pine Country Bank | Liberty Bank Minnesota |
|---|---|---|
| TellerScore | 78 | 86 (stronger) |
| Capital cushion | 52 | 79 (stronger) |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 76 (stronger) | 62 |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 72nd | 90th |
| Total assets | $380.3M | $290.2M |
| Deposits / shares | $335.1M | $262.9M |
| Capital ratio | 10.24% | 12.90% (stronger) |
| Problem loans | 0.06% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 1.40% (stronger) | 1.04% |
| Loans ÷ deposits | 72.3% | 51.7% (stronger) |
| Uninsured deposits | 17.5% | 9.1% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | 3.3% |
Liberty Bank Minnesota has the higher TellerScore (86 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Pine Country Bank leads on 2 and Liberty Bank Minnesota on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.