BlastPoint's Banking Scorecard
Eagle Rock Bank
Rochester, MN
5 branches across MN
Eagle Rock Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Net Interest Margin 0.07% above tier average
- + Efficiency Ratio 9.02% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3.6% in tier
- - ROA 0.22% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$280.3M
+4.5% YoY
+3.0% QoQ
|
-$105.8M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
42% |
| Total Loans ? |
$209.6M
-3.0% YoY
+0.3% QoQ
|
-$46.1M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
51% |
| Total Deposits ? |
$230.4M
+8.6% YoY
+4.5% QoQ
|
-$97.5M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
41% |
| Return on Assets ? |
1.05%
+54.5% YoY
+7.2% QoQ
|
-0.22% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
41% |
| Net Interest Margin ? |
4.00%
+13.7% YoY
+5.5% QoQ
|
+0.07% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
57% |
| Efficiency Ratio ? |
56.26%
-9.8% YoY
-5.8% QoQ
|
-9.02% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
70% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.89% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
90.97%
-10.7% YoY
-4.0% QoQ
|
+14.33% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
20.92%
+13.9% YoY
-4.8% QoQ
|
-1.10% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.15%
-83.5% YoY
-10.3% QoQ
|
-0.48% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
64% |
| Tier 1 Capital Ratio ? |
12.61%
+8.1% YoY
-0.8% QoQ
|
-3.22% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.04%
-26.6% YoY
-93.4% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 13.7% in tier |
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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 (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.