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Pine Country Bank

Little Falls, MN · Est. 1927 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

Pine Country Bank is a bank based in Little Falls, Minnesota, established in 1927, with $388 million in total assets across 5 branches. By Trust Grade it ranks 23rd of 224 banks we track in Minnesota. Its capital ratio of 12.0% is stronger than 73% of similarly sized banks, versus a Minnesota median of 9.5%. It was profitable over the most recent period, with a 1.29% return on assets. No consumer complaints against Pine Country Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$388.0M
$100M–1B institution
Deposits
$340.1M
Branches
5
Capital ratio
12.0%
Top 27% of $100M–1B peers · Minnesota median 9.5%
Return on assets
1.3%
Top 45% of $100M–1B peers · Minnesota median 1.24%
Rank in Minnesota
#23
of 224 banks

How Pine Country Bank compares to Minnesota peers

Capital ratio
Top 27% of $100M–1B peers
Pine Country
12.0%
Minnesota median
9.5%
Higher capital ratio = stronger financial cushion
Return on assets
Top 45% of $100M–1B peers
Pine Country
1.3%
Minnesota median
1.2%
Higher ROA = more profitable relative to asset base

How we graded Pine Country Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (12.0% capital ratio)
  • Strongly profitable (ROA 1.29%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Pine Country Bank over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (5)

  • 412 N Highway 10, Royalton, MN 56373
  • 750 125th St Ne, Rice, MN 56367
  • 423 Main St S, Sauk Centre, MN 56378
  • 901 Marquette Avenue South, Minneapolis, MN 55402
  • 1201 1st Ave Ne, Little Falls, MN 56345

Are deposits at Pine Country Bank insured?

Yes. Pine Country Bank is an FDIC-insured bank (FDIC certificate #13652). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Pine Country Bank: frequently asked questions

Is Pine Country Bank a good bank?

Pine Country Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.0% capital ratio); Strongly profitable (ROA 1.29%).

Is Pine Country Bank FDIC-insured?

Yes. Pine Country Bank is a FDIC-insured bank (FDIC certificate #13652). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Pine Country Bank?

Pine Country Bank holds $388 million in total assets, ranking 23rd of 224 banks we track in Minnesota. It operates 5 branches.

Does Pine Country Bank have CFPB complaints?

No CFPB complaints against Pine Country Bank appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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