Castle Rock Bank

Castle Rock, MN · Cert 1913 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53)

State charter, non-member · FDIC · 3 branches

Q2 2026

$293.5MAssets

$131.6MLoans

$249.6MDeposits

$40.9MEquity

Executive Summary

Strongest standing: tier 1 capital ratio outperforms 96% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 2 of 53).
Widest gap: net interest margin trails 98% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 52 of 53).
Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.15%

Rank 26 of 53

Net Interest Margin

2.78%

Rank 52 of 53

Efficiency Ratio

45.14%

Rank 5 of 53

Equity / Assets

13.92%

Rank 3 of 53

Unfavorable gap of $3.3M · efficiency ratio beats 92% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.15%	0.73%	1.11%	1.30%	Beats 51%	26 / 53
Return on Equity	8.30%	7.88%	12.20%	14.12%	Beats 26%	39 / 53
Net Interest Margin	2.78%	3.39%	3.77%	4.09%	Beats 2%	52 / 53
Efficiency Ratio	45.14%	56.05%	65.05%	71.57%	Beats 92%	5 / 53
Asset Quality
Nonperforming Loans / Loans	0.01%	0.14%	0.52%	1.20%	Beats 91%	6 / 53
Net Charge-Offs / Loans	0.04%	0.00%	0.01%	0.08%	Beats 36%	35 / 53
Capital
Tier 1 Capital Ratio	26.35%	10.73%	12.98%	15.08%	Beats 96%	2 / 53
Total Risk-Based Capital Ratio	27.61%	11.49%	13.79%	16.34%	Beats 96%	2 / 53
Equity / Assets	13.92%	8.08%	9.25%	10.72%	Beats 94%	3 / 53
Liquidity & Funding
Loans / Deposits	52.71%	72.13%	82.29%	93.80%	8th pctl	49 / 53
Loans / Assets	44.82%	63.64%	71.80%	79.37%	4th pctl	51 / 53
Brokered Deposits / Deposits	n/a	Not reported for this institution