EAGLE ROCK BANK

ROCHESTER, MN | Small | Est. May 9, 1996, midnight | FDIC #34171 | RSSD #2391588 | FDIC
Latest Report: 2025-12-31

EAGLE ROCK BANK is asn small FDIC-insured commercial bank headquartered in ROCHESTER, MN, established in May 9, 1996, midnight. As of 2025-12-31, the bank reported total assets of $272M and total deposits of $221M. Profitability stands at 1.26% ROA and 12.05% ROE, with a net interest margin of 4.02%. The bank's CET1 capital ratio is 12.72%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.04% and a Texas Ratio of 1.51%. FDIC Certificate #34171.

Assets

$272M

Deposits

$221M

Loans

$211M

Equity

$29M

Profitability

Return on Assets (ROA) 1.26%
Return on Equity (ROE) 12.05%
Net Interest Margin (NIM) 4.02%
Yield on Assets 6.40%
Cost of Funds 2.45%

Asset Quality

NPL Ratio 0.04%
Net Charge-Off Ratio 0.30%
Texas Ratio 1.51%
NPA Ratio 0.17%
ACL / Loans 0.94%

Capital & Liquidity

CET1 Ratio 12.72%
Tier 1 Capital 12.72%
Total Capital Ratio 13.66%
Leverage Ratio 11.02%
Loan-to-Deposit 95.62%

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