Pine Country Bank (FDIC #13652): Bank Stress & Real-Estate Credit Exposure
Pine Country Bank (FDIC Cert #13652): bank stress 57/100, moderate, STABLE over 7 days; parent MIDCOUNTRY ACQUISITION CORP.
Pine Country Bank (#13652) lends in 4 counties across 1 state; Pine Country Bank (#13652) reaches 127 ZIP codes: Minnesota 4 counties, 127 ZIPs.
Pine Country Bank (#13652) largest markets: Hennepin County, MN (73 branches, 73 ZIPs) (#13652), Stearns County, MN (33 branches, 33 ZIPs) (#13652), Morrison County, MN (40 branches, 20 ZIPs) (#13652), Benton County, MN (9 branches, 9 ZIPs) (#13652).
Pine Country Bank (#13652) reports $380.3 million in total assets; Pine Country Bank (#13652) equity $43.9 million (11.5% of Pine Country Bank (#13652) assets); Pine Country Bank (#13652) domestic deposits $335.1 million; Pine Country Bank (#13652) net income $2.7 million; Pine Country Bank (#13652) return on assets 1.40%; Pine Country Bank (#13652) return on equity 11.87%; Pine Country Bank (#13652) net interest income $7.8 million; Pine Country Bank (#13652) call report June 30, 2026.
Pine Country Bank (#13652) noncurrent real-estate loans: none reported; Pine Country Bank (#13652) net charge-offs on real estate 0.09%.
Pine Country Bank (#13652) net interest margin 4.37% against an eight-quarter Pine Country Bank (#13652) average of 4.13% (Pine Country Bank (#13652) compression -0.24 points); Pine Country Bank (#13652) rate-exposure score 40/100, Pine Country Bank (#13652) fixed-rate trap 40/100; Pine Country Bank (#13652) risk type credit driven; Pine Country Bank (#13652) rate regime rates elevated, Pine Country Bank (#13652) snapshot October 20, 2026.
Pine Country Bank (#13652) stress score moved from 56.2 on June 22, 2026 to 57.1 on October 20, 2026; Pine Country Bank (#13652) ranged 56.2 to 57.1 over 117 snapshots.
Pine Country Bank (#13652) alerts: 4 counties; top Pine Country Bank (#13652) alert scores: Rice County, MN 46 (moderate); Minneapolis County, MN 21 (low); Royalton County, MN 21 (low); Sauk Centre County, MN 21 (low).