About Pine Country Bank

Much has changed since Royalton State Bank was founded in 1927. The world moves faster. The internet connects everyone and everything. A dollar will no longer buy you a steak dinner. But despite all that change, our core mission has remained constant: to serve our clients as their trusted, hometown bank.

Our mission has done more than keep us afloat through the Great Depression and the 14 recessions that followed. It has given our friends and neighbors the tools they need to grow their nest eggs, purchase the homes and vehicles they need to take care of their families, do business with confidence, and maintain central Minnesota’s reputation as one of the finest places on earth to raise crops and livestock.

We have grown right alongside the community we so proudly serve. Our new name reflects our expansion to include branches in Little Falls and Rice. Our greater variety of financial products gives our clients even more opportunities to earn and save. And thanks to the advent of mobile and online banking, Pine Country Bank’s services are now available worldwide.

Whatever future decades might bring, we’ll never stop providing the warm, personalized service our bank has built its name on. Whether your financial goals are personal or professional, you can trust you’re always in the best hands with Pine Country Bank.

Pine Country Bank Rice
Pine Country Bank Little Falls

Pine Country Bank Royalton

As our neighbors and friends, you can trust that you are in good hands with Pine Country Bank.

– Rob Ronning, President, Pine Country Bank

Our Hometown Pledge

Our clients are much more than customers. They are our friends and neighbors – each one an invaluable part of the community we have the great privilege of belonging to ourselves. Putting their needs above all else isn’t just good business. It’s good karma.

Proudly Giving Back

Pine Country Bank is dedicated to giving back to our community by supporting a variety of local non-profits, including family foundations, cultural and artistic institutions, health and human service providers, and educational, environmental, and scientific organizations.

 Your Hometown Bank

Little Falls

1201 First Avenue NE
P.O. Box 528
Little Falls, MN 56345
(320) 632-9740


750 County Road 21
PO Box 197
Rice, MN 56367
(320) 393-4200


412 North Highway 10
P.O. Box 25
Royalton, MN 56373
(320) 584-5522


(877) 584-5858
24-hour banking from any touch-tone phone

Routing Number