Pine River State Bank
Pine River, MN · Cert 10194 · Peer group: banks under $1B in assets in MN (n=111-113) · Norbanc Group Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$185.3MAssets
$106.7MLoans
$169.8MDeposits
$15.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MN (rank 36 of 111).
- Widest gap: efficiency ratio trails 87% of banks under $1B in assets in MN (rank 99 of 113).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.72%
Rank 95 of 113
Net Interest Margin
3.60%
Rank 77 of 113
Efficiency Ratio
74.89%
Rank 99 of 113
Equity / Assets
8.17%
Rank 92 of 113
Non-interest income vs. expense
Unfavorable gap of $4.9M · efficiency ratio beats 13% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.72% | 0.87% | 1.20% | 1.41% | Beats 16% | 95 / 113 | | |
| Return on Equity | 8.84% | 8.92% | 11.27% | 13.99% | Beats 24% | 86 / 113 | | |
| Net Interest Margin | 3.60% | 3.42% | 3.88% | 4.31% | Beats 32% | 77 / 113 | | |
| Efficiency Ratio | 74.89% | 54.13% | 61.48% | 69.86% | Beats 13% | 99 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.74% | 0.09% | 0.58% | 1.82% | Beats 45% | 62 / 111 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 16.36% | 11.53% | 13.31% | 18.13% | Beats 68% | 36 / 113 | | |
| Total Risk-Based Capital Ratio | 17.61% | 12.12% | 14.43% | 19.39% | Beats 70% | 34 / 113 | | |
| Equity / Assets | 8.17% | 8.52% | 10.10% | 11.94% | Beats 19% | 92 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.85% | 62.08% | 77.32% | 88.06% | 25th pctl | 83 / 111 | | |
| Loans / Assets | 57.58% | 55.01% | 66.35% | 75.50% | 30th pctl | 79 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |