 Whether you are buying a new home or thinking of refinancing, Pine Country Bank can make it easy for you. Their mortgage team has over 39 years of mortgage lending experience. With utmost convenience, they will work with you the way that you prefer. In person, phone calls, emails, or even texting, they take the hassle out of the mortgage process. Your hometown bank for life, Pine Country Banks, with offices in Royalton, Rice, and Little Falls. Equal housing lender, member FDIC.