Side-by-side · Q2 2026 data
The Citizens National Bank of Park Rapids vs Pine Country Bank
Bank
The Citizens National Bank of Park Rapids
Park Rapids, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | The Citizens National Bank of Park Rapids | Pine Country Bank |
|---|---|---|
| TellerScore | 72 | 78 (stronger) |
| Capital cushion | 67 (stronger) | 52 |
| Loan quality | 63 | 98 (stronger) |
| Earnings | 97 (stronger) | 76 |
| Funding & liquidity | 57 | 85 (stronger) |
| Problem-loan coverage | 86 | 99 (stronger) |
| Peer percentile | 50th | 72nd |
| Total assets | $397.0M | $380.3M |
| Deposits / shares | $348.1M | $335.1M |
| Capital ratio | 11.70% (stronger) | 10.24% |
| Problem loans | 1.10% | 0.06% (stronger) |
| Net charge-offs | 0.04% | -0.00% (stronger) |
| Return on assets | 1.93% (stronger) | 1.40% |
| Loans ÷ deposits | 88.4% | 72.3% (stronger) |
| Uninsured deposits | 28.3% | 17.5% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.1% |
Pine Country Bank has the higher TellerScore (78 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Park Rapids leads on 2 and Pine Country Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.