Eagle Rock Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Eagle Rock Bank of Rochester, MN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.30% | 1.34% | -0.04% | 53rd above |
| ROAE Behind the peer average, ahead of the median peer. | 12.28% | 13.31% | -1.03% | 50th above |
| Net Interest Margin | 4.31% | 3.93% | +0.38% | 71st above |
| Efficiency Ratio | 53.05% | 61.14% | -8.09% | 74th above |
| PPNR / Avg Assets | 2.11% | 1.68% | +0.43% | 77th top |
| Yield on Earning Assets | 6.52% | 5.67% | +0.85% | 87th top |
| Cost of Funds | 2.44% | 1.88% | +0.56% | 17th bottom |
| Net Interest Spread | 3.38% | 3.32% | +0.06% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.96% | 0.94% | +0.02% | 29th below |
| NPA / Total Assets | 0.82% | 0.70% | +0.12% | 26th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.10% | 1.28% | -0.18% | 39th below |
| ACL / NPLs (Coverage) | 115.47% | 1539.44% | -1423.97% | 32nd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.90% | 7.33% | -0.43% | 32nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.55% | 19.51% | -7.96% | 13th bottom |
| Tier 1 Ratio | 11.55% | 19.54% | -7.99% | 12th bottom |
| Total Capital Ratio | 12.07% | 20.63% | -8.56% | 8th bottom |
| Leverage Ratio | 13.80% | 12.14% | +1.66% | 80th top |
| Equity / Assets | 11.40% | 11.37% | +0.03% | 65th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.99% | 11.09% | -0.10% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.58% | 80.63% | +22.95% | 7th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.30% | 86.86% | +1.44% | 45th below |
| Wholesale Funding Ratio | 5.09% | 5.03% | +0.06% | 37th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 86.30% | 6.81% | +79.49% | 100th top |
| Loan Growth (Y/Y) | 96.25% | 7.86% | +88.39% | 100th top |
| Deposit Growth (Y/Y) | 97.35% | 6.24% | +91.11% | 100th top |
See Eagle Rock Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Eagle Rock Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Eagle Rock Bank profile, how to read a UBPR, or how this data updates.