Bank · FDIC insured
Pine River State Bank
A $185.3M bank headquartered in Pine River, MN, with 5 branches in Minnesota.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Savings: published rates need another account or activity, so they are not scored. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings—3.04%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Pine River State Bank
- Headquarters
- 103 Mill St, Pine River, MN 56474
- FDIC certificate
- 10194 ↗
Branches
5 branches in Minnesota
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Minnesota
5 branches
Brainerd area · 4
- Pine River State BankMain office103 Mill St, Pine River, MN 56474Directions
- Breezy Point Branch31019 Wildwood Ct, Breezy Point, MN 56472Directions
- Emily Branch40099 State Highway 6, Emily, MN 56447Directions
- Pillager Branch201 River St N, Pillager, MN 56473Directions
Minneapolis area · 1
- Nowthen Branch8141 Viking Blvd Nw, Elk River, MN 55330Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.48% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.74% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.92% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $63 | $81 | — |
- CapitalLeverage ratio8.48%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.74%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.92%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$63Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Pine River State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.