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Eagle Rock Bank
Rochester, MN · FDIC Certificate #34171 · Chartered 05/0
Total assets
$508.18M
Total deposits
$420.76M
Total equity
$57.91M
Net loans
$431.01M
Branches (offices)
5
Net income (YTD)
$2.07M
Rank: #1,764 of 4,213 U.S. banks by assets · #50 of 221 in Minnesota. Assets changed 86.3% and deposits 97.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.17% |
| Return on equity | 10.61% |
| Net interest margin (YTD) | 4.10% |
| Equity to assets | 11.40% |
| Tier 1 leverage ratio | 13.80% |
| Uninsured deposits (share of deposits) | 28.3% |
| Noncurrent loans (share of loans) | 0.92% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 102.4% |
| Real estate loans (share of loans) | 83.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $359.04M | 83.3% | |
| Commercial & industrial | $73.13M | 17.0% | |
| Consumer / individual | $2.05M | 0.5% | |
| Construction & development | $67.56M | 15.7% | |
| Agricultural | $1.20M | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $155.42M | $115.46M | $689.00K | $19.03M |
| Jun 2023 | $214.58M | $162.82M | $852.00K | $23.37M |
| Jun 2024 | $256.65M | $188.87M | $807.00K | $25.15M |
| Jun 2025 | $272.78M | $213.21M | $1.10M | $27.12M |
| Jun 2026 | $508.18M | $420.76M | $2.07M | $57.91M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $420.76M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $420.76M.
Similar-sized banks
The Casey County Bank, Inc. ($508.41M) · Hancock County Savings Bank, F.S.B. ($508.03M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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