Pine River State Bank (FDIC #10194): Bank Stress & Real-Estate Credit Exposure

Pine River State Bank (FDIC Cert #10194): bank stress 79/100, severe, STABLE over 7 days; parent NORBANC GROUP INC.

Pine River State Bank (#10194) lends in 3 counties across 1 state; Pine River State Bank (#10194) reaches 56 ZIP codes: Minnesota 3 counties, 56 ZIPs.

Pine River State Bank (#10194) largest markets: Cass County, MN (48 branches, 24 ZIPs) (#10194), Anoka County, MN (20 branches, 20 ZIPs) (#10194), Crow Wing County, MN (36 branches, 18 ZIPs) (#10194).

Pine River State Bank (#10194) reports $185.3 million in total assets; Pine River State Bank (#10194) equity $15.1 million (8.2% of Pine River State Bank (#10194) assets); Pine River State Bank (#10194) domestic deposits $169.8 million; Pine River State Bank (#10194) net income $852,000; Pine River State Bank (#10194) return on assets 0.92%; Pine River State Bank (#10194) return on equity 11.27%; Pine River State Bank (#10194) net interest income $3.3 million; Pine River State Bank (#10194) call report June 30, 2026.

Pine River State Bank (#10194) noncurrent real-estate loans: none reported; Pine River State Bank (#10194) net charge-offs on real estate 0.84%; Pine River State Bank (#10194) residential charge-offs 1.28%.

Pine River State Bank (#10194) net interest margin 3.71% against an eight-quarter Pine River State Bank (#10194) average of 3.38% (Pine River State Bank (#10194) compression -0.33 points); Pine River State Bank (#10194) non-residential real estate 128.2% of equity; Pine River State Bank (#10194) rate-exposure score 40/100, Pine River State Bank (#10194) fixed-rate trap 40/100; Pine River State Bank (#10194) risk type credit driven; Pine River State Bank (#10194) rate regime rates elevated, Pine River State Bank (#10194) snapshot October 19, 2026.

Pine River State Bank (#10194) stress score moved from 78.1 on June 22, 2026 to 78.6 on October 19, 2026; Pine River State Bank (#10194) ranged 78.1 to 78.6 over 116 snapshots.

Pine River State Bank (#10194) alerts: 3 counties; top Pine River State Bank (#10194) alert scores: Elk River County, MN 27 (low); Pequot Lakes County, MN 27 (low); Pine River County, MN 27 (low).