# PINE COUNTRY BANK
LITTLE FALLS, MN · FDIC certificate 13652 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $380.3M | |
| Deposits | $335.1M | |
| Loans and leases | $244.8M | |
| Total equity | $43.9M | |
| Loans / deposits | 72.27% (p29 of band) | 82.04% |
| Liquid assets / assets | 31.17% (p67 of band) | |
| Uninsured deposits / deposits | 17.51% (p21 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.24% (p40 of band) | 10.81% |
| Unrealized securities loss / equity | -11.20% (p40 of band) | -8.10% |
| AOCI / equity | -4.01% (p2 of band) | |
| ROA (annualized) | 1.40% (p58 of band) | 1.28% |
| Net interest margin | 4.37% (p76 of band) | 3.91% |
| Efficiency ratio | 55.52% (p32 of band) | |
| Noncurrent loans | 0.06% (p20 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 1661.15% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 27.51% (p34 of band) | |
| Auto loans | $2.8M (1.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.5% | |
| Employees | 55 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | leverage <7% |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2013-12 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 2 | charge-offs p90 |  |
| 2015-03 | 2 | capital falling | charge-offs p90 |
| 2015-06 | 0 |  | reserve under noncurrent, capital falling |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 1 | capital falling | reserve under noncurrent |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 | reserve under noncurrent | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | reserve under noncurrent |
| 2021-09 | 2 | capital falling, reserve under noncurrent |  |
| 2021-12 | 2 | NIM <2.5% | capital falling |
| 2022-03 | 1 |  | NIM <2.5% |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | deposits shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2023-06 | 1 |  | uninsured deposits leaving |
| 2023-09 | 0 |  | deposits shrinking |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-09-27 [Two small central Minnesota banks merge, increase lending limit to $6.2M - Star Tribune](https://news.google.com/rss/articles/CBMiugFBVV95cUxOa3ZlZDMwenljTkx2bzVZUEI0b0w5T09xcTJNUlZvcTNRSFdxb3VfUjU0dTRSc0pCUjZYZ3BoN0ZMR19lUFlGTzVSaURKTzdSNUhlYUpEWWJDNTFIb1VLeGl3d0ZLaVJfTmJFdzNIX3FNOUNMc0VZRUFnRkVrOWo1bHBYXzUtTW5MOE5NUlB2U1RaY1ZENmZMZnBqY2E3VldNREtoY3R2MkhNUm9mNW9uMGpnRG16ZWVRUEE?oc=5) · Star Tribune
- 2019-11-19 [Obituary information for Joe Carlson - Dirks-Blem Funeral Service](https://news.google.com/rss/articles/CBMib0FVX3lxTE5aYzYyRXFuaWRVMll0Z0dmQ25RY2pPTXE2bDdWRmJ6TXU3anNfdnBEU3N5elp5MnBHYjhkckhPaTg5ZTNiYU94eUxGVzNoX0MxSWViVnlGLTFTTzZvQ1lPS1hEY19IUjhoYm90QXZfYw?oc=5) · Dirks-Blem Funeral Service
- 2022-10-23 [Kathleen Ann Przybilla Obituary Oct 23, 2022 - Emblom Brenny Funeral Service](https://news.google.com/rss/articles/CBMic0FVX3lxTE5PRzNZamNGZTVxZlpCaXFreVA5bHNDTEJNX2RPU3JkZk1DN2czcEJLRDNpUFQzWWdMSUx3ZDhia2R5ZG9LaTlua1dOOXF0Z0UzWHRTUXBud3Nkd08xSFU3SWFTZFVkLTR4Q2Yxd21XdWNKeUU?oc=5) · Emblom Brenny Funeral Service
- 2015-05-01 [Ploof is Little Falls Employee of the Month - hometownsource.com](https://news.google.com/rss/articles/CBMi7wFBVV95cUxQNlhBU1JnckJRZUxlRGlOUW1jc2lxVF9tOGdobzBFUWxnWHZWZlNTYkFBUW9TVElMcDVxX1gyRnRrQk5DWVB4U3YxOXNxR1Z6aTdEWVdZV1ZjLW5EME1TTlFtQXV3ZU1uODBQTTJtYnhQYzY0OVNNMUlzLWZRMElrWlNTaHNGMFBIN3hjZkRIMVBPZFhpM2tENmdTZUhHVmpwNXVtNDBJNmg5U3hVOU9lbEFQZnRhbDhyOWJTUFVBdTU0R1dUMHRmd1Bob0VIOTFOV3hCVml2Rkw1Y2lXUkJmeWJGc2tFMHlkWHhhdTBtbw?oc=5) · hometownsource.com
- 2015-04-24 [Former Rice City Clerk Charged With Stealing City Funds - WJON](https://news.google.com/rss/articles/CBMifkFVX3lxTE1JMXJrdHJNUUN1QmNyRWpSUldMUDBoajBWTV84S2NwQXV1MFlGZ3c5aUsxM2Etb205anBCaW9WZm5WbVUxYzV2Y3MzNVlGQ1o3bTl4REg3VUlfOXVTemhHTDR1U1BfU0ZPbXdsZDJrTUhMMGJMODRMVmtSSW1TQQ?oc=5) · WJON
- 2019-04-16 [New river otter exhibit opens at Pine Grove Zoo: Ted, Dave and Dewie settle into Little Falls aquarium - Brainerd Dispatch](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQSE5UUzJla2N6ODJYMkpjaGEzQzBoUnZqcHdTOXh3bXoxQ0s4cnhTaHIyR2U0Z0FoWkU0dTcySmt2Y01sdGtqRElMLTBveDNnMDk3TWR5WUQyQmY2UHkzRkFqOW5lcGxYaTNmSHdzNXFkVjB2alJYNzN2SFVCNlVfU2VOQXJKdWlLbm9oeVNoMzVuNWdMUnFseE1Ucl96bUR2VkJnM0FGMW53VEV5R0ZreVoyQ215VkFEel85cVVIOFVBd19HRjNiTUl3TGhqY3RkLURJcg?oc=5) · Brainerd Dispatch
- 2013-12-18 [Harry "Joe" Mosier Obituary Dec 18, 2013 - Emblom Brenny Funeral Service](https://news.google.com/rss/articles/CBMicEFVX3lxTE1tcU1zQXdVTHpXa0FJczhwZGxIZGs3NVROM2I0TWxvRzRwNzJxSE1zekxYaElSS3NGS3lsaktCdXFlZmhYXzdPUGdzQTExVHpfOG8wSFEyVVlBcHNadzB1aGNXbWs2UmlkZm9GbmlvOW4?oc=5) · Emblom Brenny Funeral Service
- 2021-07-21 [Trevin P. Larson - hometownsource.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxNclFsdlN3bUtGUDNFcFlBYXdWNkhHZ1RIVHhHb29uZG1FVjZUR1NKenkwZWJJU2hlbVJzVFNfbkZVdk5tdWJ6eEVhbmxoRUdscGYxOWx4eVI4ZURkZUE4dU1jVmdpRVNVZTNpZnpyRjl3Slkxc2plYnYzY2dZdUVFS3VnYUktYkNSaDRaM1phcG84REV6bk5kZGl3dkZ1LVBoQUtWTm13R0J6d1I4Ync5d1ZFdDF6X0VIeVBQLWdLdUJ5YWs4QXRyaHFn?oc=5) · hometownsource.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13652 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/20.json (key "13652", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide