Eagle Rock Bank
Rochester, MN · Cert 34171 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Olmsted Holding Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
$508.2MAssets
$435.8MLoans
$420.8MDeposits
$57.9MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 77% of banks under $1B in assets operating in a single state (rank 173 of 746).
- Widest gap: tier 1 capital ratio trails 75% of banks under $1B in assets operating in a single state (rank 560 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.82%
Rank 511 of 746
Net Interest Margin
3.37%
Rank 499 of 746
Efficiency Ratio
54.57%
Rank 173 of 746
Equity / Assets
11.40%
Rank 290 of 746
Non-interest income vs. expense
Unfavorable gap of $7.1M · efficiency ratio beats 77% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.82% | 0.72% | 1.06% | 1.45% | Beats 32% | 511 / 746 | | |
| Return on Equity | 7.15% | 6.74% | 10.51% | 13.63% | Beats 28% | 536 / 746 | | |
| Net Interest Margin | 3.37% | 3.17% | 3.68% | 4.16% | Beats 33% | 499 / 746 | | |
| Efficiency Ratio | 54.57% | 55.74% | 64.58% | 75.47% | Beats 77% | 173 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.92% | 0.09% | 0.42% | 1.07% | Beats 30% | 523 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 75% | 188 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 11.55% | 11.55% | 13.75% | 17.60% | Beats 25% | 560 / 746 | | |
| Total Risk-Based Capital Ratio | 12.07% | 11.71% | 14.33% | 18.43% | Beats 29% | 532 / 746 | | |
| Equity / Assets | 11.40% | 8.90% | 10.51% | 13.06% | Beats 61% | 290 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 103.58% | 61.31% | 78.27% | 90.78% | 93rd pctl | 51 / 746 | | |
| Loans / Assets | 85.76% | 53.60% | 66.97% | 76.08% | 96th pctl | 30 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |