BlastPoint's Banking Scorecard
Eagle Rock Bank
Rochester, MN
5 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 +97.3% year over year ($420.8M on the books).
- Delinquency rate 0.93%.
- Return on assets 1.17%.
- Efficiency ratio 54.28% vs a 64.48% peer average.
- Loan-to-deposit ratio 102.44% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Eagle Rock Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.11% above tier average
- + Efficiency Ratio 10.19% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 24.48% above tier average
- - ROA 0.15% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$508.2M
+86.3% YoY
+81.3% QoQ
|
+$121.6M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
73% |
| Total Loans ? |
$431.0M
+96.0% YoY
+105.6% QoQ
|
+$172.7M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
82% |
| Total Deposits ? |
$420.8M
+97.3% YoY
+82.6% QoQ
|
+$94.0M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
72% |
| Return on Assets ? |
1.17%
+41.9% YoY
+12.1% QoQ
|
-0.15% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
45% |
| Net Interest Margin ? |
4.10%
+12.3% YoY
+2.4% QoQ
|
+0.11% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
59% |
| Efficiency Ratio ? |
54.28%
-9.2% YoY
-3.5% QoQ
|
-10.19% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
74% |
| Delinquency Rate ? |
0.93%
-29.3% YoY
|
+0.01% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
102.44%
-0.7% YoY
+12.6% QoQ
|
+24.48% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Bottom 7.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.98%
+5.5% YoY
-4.5% QoQ
|
-2.05% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.79%
-25.6% YoY
+409.4% QoQ
|
+0.12% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
11.55%
-0.1% YoY
-8.4% QoQ
|
-4.36% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.10%
-34.7% YoY
+155.1% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
19% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
20.0%
+1.0pp YoY -0.9pp QoQ |
-2.2pp | 22.1% | 21.9% | 22.2% | 45% |
| Brokered Deposits | 2.0% | -5.9pp | 7.9% | 8.3% | 8.5% | 30% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.0%
-5.9pp YoY -1.7pp QoQ |
+5.4pp | 11.6% | 14.6% | 12.5% | 82% |
| CRE |
52.6%
+4.1pp YoY +4.0pp QoQ |
+13.1pp | 39.5% | 36.5% | 41.4% | 75% |
| 1-4 Family |
29.7%
+2.6pp YoY -1.3pp QoQ |
-2.9pp | 32.6% | 29.4% | 31.3% | 51% |
| Consumer |
0.5%
-0.3pp YoY -0.3pp QoQ |
-3.6pp | 4.1% | 4.5% | 5.0% | 15% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.6%
0.0pp YoY -1.1pp QoQ |
-7.3pp | 18.8% | 16.5% | 19.7% | 12% |
| Leverage Ratio |
13.8%
+3.2pp YoY +2.6pp QoQ |
+1.6pp | 12.2% | 11.0% | 12.6% | 80% |
| Total Capital Ratio |
12.1%
-0.4pp YoY -1.5pp QoQ |
-7.9pp | 19.9% | 17.6% | 20.8% | 8% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
51
+25 (+96.2%) YoY +21 (+70.0%) QoQ |
-8 | 58 | 55 | 482 | 54% |
| Assets per Employee ($) |
$10.0M
-5.0% YoY +6.6% QoQ |
+$2.4M | $7.5M | $8.6M | $8.8M | 85% |
| Branch Count |
5
+3 (+150.0%) YoY +2 (+66.7%) QoQ |
0 | 4 | 4 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.9%
-0.4pp YoY |
0.0pp | 0.9% | 1.0% | 1.0% | 70% |
| Allowance Coverage |
1.20x
+57.2% YoY |
-22.95x | 24.15x | 20.41x | 20.23x | 32% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.6%
+2.3pp YoY +0.8pp QoQ |
-1.6pp | 12.2% | 13.1% | 11.6% | 40% |
| Cost of Funds (YTD) |
2.1%
-0.5pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.7% | 1.7% | 77% |
| Net Income ($, YTD) |
$2.1M
+87.6% YoY — QoQ |
-$484K | $2.6M | $4.5M | $40.4M | 54% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.