Pine River State Bank: Bank Stress & Real-Estate Credit Exposure

At 79/100, Pine River State Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #10194. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

Pine River State Bank runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 56 ZIP codes. It concentrates most in Minnesota (3 counties). Over the trailing week its stress reading is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Pine River State Bank is held under Norbanc Group Inc, so its disclosures are public and its stress trajectory is externally verifiable. Its lending reaches counties such as Cass County, MN, Anoka County, MN, Crow Wing County, MN, each tied back to DLRadar's distress signals. The combination of a severe reading and a compact footprint is what makes Pine River State Bank worth watching as a supply signal. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Pine River State Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. No bank is too small to score the same way: Pine River State Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 56-ZIP profile means exactly what it would for any institution nationwide. Rather than a standalone rating, the severe score is tied to real markets — every one of the 56 ZIP codes Pine River State Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Pine River State Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. It is an early-warning read, flagging distress before it reaches the MLS.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. That lets you move ahead of the market, with each number sourced from public federal filings.