Castle Rock Bank
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Data as of · sourced from FFIEC call reports. How we update
Castle Rock Bank is an FDIC-insured commercial bank headquartered in Castle Rock, MN, established in 1916 (FDIC certificate 1913), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $293.5M, up 6.8% from Q2 2025, the 90th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 26.35% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1913
- Headquarters
- Castle Rock, MN
- Established
- 1916
- Total assets, Q2 2026
- $293.5M
- Assets vs Q2 2025
- +6.8%
- CET1 ratio, Q2 2026
- 26.35%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 091913148
- Latest call report
- Q2 2026, FFIEC 051 · Castle Rock Bank call report
- Asset rank in state
- 90th of 221 in Minnesota
Castle Rock Bank runs leaner than most banks of its size. The Castle Rock, Minnesota bank had $294 million in assets at June 30, 2026, up 6.8% from a year earlier. It spends about 43 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also holds commercial real estate loans equal to only 7% of its capital, a small fraction of the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $1.0 million, 38% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.1 million equal 5% of Tier 1 capital, down from 12% a year earlier. Its margin is thin by comparison: it keeps 3.07 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Castle Rock Bank reported a CET1 capital ratio of 26.35%, a return on assets of 1.41%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.03%. The figures come from its call report filed with the FFIEC.
Of the 221 banks headquartered in Minnesota, Castle Rock Bank is the 90th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.1% to $293.5M, loans rose 0.2% and deposits fell 1.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 36.1% of total loans, ahead of commercial and industrial loans at 25.3%. The FDIC Summary of Deposits lists 3 offices for it, in Farmington, MN, Castle Rock, MN and Randolph, MN; its Farmington office books 61% of its branch deposits. On its Q2 2026 call report, Castle Rock Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 27925 Danville Avenue, Castle Rock, MN 55010
- County
- Dakota
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 16, 1916
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $249.6M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- $7K
- Average total assets
- $293.2M
- Average total loans
- $130.9M
- Average interest-bearing deposits
- $194.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1913
- Fed RSSD
- 152253
- Website
- www.castlerockbank.net →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Castle Rock Bank's total assets ranged from $263.0M (Q2 2024) to $293.5M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$293.5M total assets against $274.8M; $252.7M total liabilities against $236.3M.
$128.0M net loans and leases against $122.3M; $249.6M total deposits against $235.6M.
$151.7M securities against $136.3M; $9.0M cash and balances due against $11.5M.
$3.4M total interest income against $3.0M; $1.3M total interest expense against $1.2M.
$2.1M net interest income against $1.7M.
$161K total noninterest income against $137K; $1.0M total noninterest expense against $996K.
$120K provision for credit losses against $120K.
$1.0M net income against $751K.
1.41% return on assets against 1.09%; 3.07% net interest margin against 2.76%.
26.35% CET1 capital ratio against 26.34%; 14.19% tier 1 leverage ratio against 14.24%.
Inside the full Castle Rock Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCastle Rock Bank rankings
Its closest position to the top of a national ranking is 129 of 2,134, for CET1 ratio; its furthest is 3,303 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.72% (Q4 2024) to 1.48% (Q1 2026) and its net interest margin ran from 2.52% (Q4 2024) to 3.07% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 26.35% | 1.41% | 0.01% | 0.03% | 3.07% |
| Q1 2026 | 25.80% | 1.48% | 0.17% | 0.52% | 2.95% |
| Q4 2025 | 26.22% | 0.75% | 0.05% | 0.16% | 2.90% |
| Q3 2025 | 26.48% | 1.40% | 0.01% | 0.03% | 2.86% |
| Q2 2025 | 26.34% | 1.09% | 0.09% | 0.27% | 2.76% |
| Q1 2025 | 25.10% | 1.03% | 0.08% | 0.25% | 2.60% |
| Q4 2024 | 24.41% | 0.72% | 0.02% | 0.06% | 2.52% |
| Q3 2024 | 24.17% | 1.38% | 0.45% | 1.35% | 2.54% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Detached Facility | Farmington , MN | 55024 | $151.2M |
| Castle Rock Bank (main office) | Castle Rock , MN | 55010 | $88.7M |
| Randolph Branch | Randolph , MN | 55065 | $9.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 123 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $60K approved, $60K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Castle Rock Bank
What are Castle Rock Bank's total assets?
As of the Q2 2026 filing, Castle Rock Bank reported total assets of $293.5 million in its FFIEC call report.
Where is Castle Rock Bank headquartered?
It is headquartered in Castle Rock, MN, United States.
When was Castle Rock Bank founded?
It was established in 1916, per the FDIC institution directory.
Is Castle Rock Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1913). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Castle Rock Bank?
Castle Rock Bank's primary federal regulator is the FDIC.
What is Castle Rock Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 26.35% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Castle Rock Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Castle Rock Bank's Texas Ratio?
Its Texas Ratio is 0.03% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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