C
Pine Country Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Pine Country Bank
Little Falls, MN
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Rating C
Asset Quality Index 5.30
Capitalization Index 7.70
Liquidity Index 3.20
Profitability Index 6.40
Stability Index 4.30
Company Info Pine Country Bank
Little Falls, MN
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FDIC Number 13652
Phone Number (320) 632-9740
Website pinecountrybank.com
Asset Quality Pine Country Bank
Little Falls, MN
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1-Year Asset Growth 57.08%
5-Year Asset Growth 6.94%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.67%
Non-Performing Loans to Capital 3.53%
Non-Performing Loans to Loans 1.04%
Balance Sheet Pine Country Bank
Little Falls, MN
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Total Assets 383.23M
Total Deposits 340.12M
Capital and Reserves Pine Country Bank
Little Falls, MN
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Capital 41.54M
Leverage Ratio 9.44
Loan Loss Reserves to Loans 1.20%
Risk-Based Capital Ratio 15.20
Liquidity Pine Country Bank
Little Falls, MN
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Hot Money Ratio 18.13%
Liquidity Ratio 28.13%
Profitability Pine Country Bank
Little Falls, MN
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5-Year Return on Average Assets --
Net Income 2.08M
Net Interest Spread 3.81%
Operating Profit to Average Assets 1.50%
Overhead Efficiency Ratio 61.71%
Return on Assets 1.08%
Return on Equity 10.86%