BlastPoint

BlastPoint's Banking Scorecard

Castle Rock Bank

$100M-$1B Specialty: Other MN FDIC cert 1913

Castle Rock, MN

3 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits +5.9% year over year ($249.6M on the books).
  • Delinquency rate 0.01%.
  • Return on assets 1.45%.
  • Efficiency ratio 45.14% vs a 64.48% peer average.
  • Loan-to-deposit ratio 51.28% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

Castle Rock Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 19.34% below tier average
  • + ROA 0.12% above tier average
  • + Delinquency Rate 0.91% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 49.5% in tier
  • - Net Interest Margin 1.13% below tier average
Get updates when Castle Rock Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $293.5M
+6.8% YoY +0.1% QoQ
-$93.1M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
44%
Total Loans ? $128.0M
+4.7% YoY +0.1% QoQ
-$130.4M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
28%
Total Deposits ? $249.6M
+5.9% YoY -1.2% QoQ
-$77.1M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
45%
Return on Assets ? 1.45%
+36.4% YoY -2.4% QoQ
+0.12% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
62%
Net Interest Margin ? 2.86%
+14.9% YoY +1.7% QoQ
-1.13% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
Bottom 6.7% in tier
Efficiency Ratio ? 45.14%
-13.7% YoY +1.2% QoQ
-19.34% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
Top 9.2% in tier
Delinquency Rate ? 0.01%
-87.2% YoY -93.3% QoQ
-0.91% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
Top 14.7% in tier
Loan-to-Deposit Ratio ? 51.28%
-1.2% YoY +1.3% QoQ
-26.68% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
Top 9.2% in tier
Non-Interest-Bearing Deposit Share ? 22.65%
-6.5% YoY -3.3% QoQ
+0.61% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
57%
Nonperforming Asset Ratio ? 0.01%
-87.5% YoY -93.3% QoQ
-0.66% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
Top 12.5% in tier
Tier 1 Capital Ratio ? 26.35%
+0.0% YoY +2.1% QoQ
+10.44% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
Top 5.8% in tier
Non-Interest Income / Assets ? 0.11%
+10.9% YoY +92.8% QoQ
-0.45% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
23%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 22.6%
-1.6pp YoY
-0.8pp QoQ
 +0.5pp 22.1% 21.9% 22.2% 57%
Brokered Deposits n/a n/a 7.9% 8.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 26.0%
+3.3pp YoY
+1.5pp QoQ
 +14.4pp 11.6% 14.6% 12.5% 94%
CRE 12.9%
-3.3pp YoY
-1.9pp QoQ
 -26.7pp 39.5% 36.5% 41.4% 8%
1-4 Family 37.1%
+1.7pp YoY
+0.6pp QoQ
 +4.5pp 32.6% 29.4% 31.3% 66%
Consumer 9.6%
-0.4pp YoY
-0.4pp QoQ
 +5.5pp 4.1% 4.5% 5.0% 92%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 26.4%
0.0pp YoY
+0.6pp QoQ
 +7.5pp 18.8% 16.5% 19.7% 90%
Leverage Ratio 14.2%
0.0pp YoY
+0.2pp QoQ
 +2.0pp 12.2% 11.0% 12.6% 82%
Total Capital Ratio 27.6%
0.0pp YoY
+0.5pp QoQ
 +7.7pp 19.9% 17.6% 20.8% 90%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 25
0 YoY
0 QoQ
 -34 58 55 482 19%
Assets per Employee ($) $11.7M
+6.8% YoY
+0.1% QoQ
 +$4.2M $7.5M $8.6M $8.8M 92%
Branch Count 3
0 YoY
0 QoQ
 -2 4 4 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
-0.2pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 19%
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage 238.47x
+661.6% YoY
+1434.3% QoQ
 +214.31x 24.15x 20.41x 20.23x 98%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
+0.1pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 46%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 10.5%
+2.8pp YoY
-0.3pp QoQ
 -1.7pp 12.2% 13.1% 11.6% 40%
Cost of Funds (YTD) 1.8%
0.0pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 60%
Net Income ($, YTD) $2.1M
+45.5% YoY
— QoQ
 -$441K $2.6M $4.5M $40.4M 54%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk
#368 of 742 • Bottom 49.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 26.35%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 51.28%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

153
Tier 1 Capital Ratio
capital
Value: 26.35%
Peer Median: 15.91%
#153 of 2643 Top 5.8% in $100M-$1B
244
Efficiency Ratio
profitability
Value: 45.14%
Peer Median: 64.48%
#244 of 2643 Top 9.2% in $100M-$1B
244
Loan-to-Deposit Ratio
liquidity
Value: 51.28%
Peer Median: 77.95%
#244 of 2643 Top 9.2% in $100M-$1B
331
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#331 of 2643 Top 12.5% in $100M-$1B
389
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.92%
#389 of 2633 Top 14.7% in $100M-$1B

Top Weaknesses (2 metrics)

2466
Net Interest Margin
profitability
Value: 2.86%
Peer Median: 3.99%
#2466 of 2643 Bottom 6.7% in $100M-$1B
2031
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2031 of 2643 Bottom 23.2% in $100M-$1B
Powered by BlastPoint © 2026