# CASTLE ROCK BANK
CASTLE ROCK, MN · FDIC certificate 1913 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $293.5M | |
| Deposits | $249.6M | |
| Loans and leases | $131.6M | |
| Total equity | $40.9M | |
| Loans / deposits | 51.28% (p20 of band) | 73.59% |
| Liquid assets / assets | 54.73% (p83 of band) | |
| Uninsured deposits / deposits | 18.98% (p47 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.80% (p52 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.19% (p72 of band) | 11.76% |
| Unrealized securities loss / equity | -5.24% (p56 of band) | -6.57% |
| AOCI / equity | -1.22% (p23 of band) | |
| ROA (annualized) | 1.45% (p65 of band) | 1.17% |
| Net interest margin | 2.86% (p9 of band) | 3.93% |
| Efficiency ratio | 45.14% (p7 of band) | |
| Noncurrent loans | 0.01% (p26 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p60 of band) | |
| Reserve coverage of noncurrent | 23846.67% | |
| Real estate % of loans | 55% | |
| Construction % of loans | 5.21% (p29 of band) | |
| Auto loans | $3.9M (2.99% of loans; DQ 5.46%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 25 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 2 | noncurrent p90 |  |
| 2013-09 | 1 |  | noncurrent p90 |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2015-03 | 2 | noncurrent p90 | uninsured deposits leaving |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | noncurrent p90 |
| 2016-09 | 1 | capital falling | reserve under noncurrent |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | reserve under noncurrent | capital falling |
| 2017-06 | 2 | noncurrent p90 |  |
| 2017-09 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2017-12 | 1 | charge-offs p90 |  |
| 2018-03 | 0 |  | charge-offs p90 |
| 2018-06 | 1 | uninsured deposits leaving |  |
| 2018-09 | 0 |  | uninsured deposits leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | NIM <2.5% |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 3 | capital falling, charge-offs p90 | securities losses >30% of equity |
| 2023-03 | 1 |  | capital falling, charge-offs p90 |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | uninsured deposits leaving |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | uninsured deposits leaving |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | NIM <2.5% |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2016-07-28 [Castle Rock Bank celebrates 100 years - hometownsource.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQMHNQVjdoYVBudmdnTGlkdEotbE5oeHpPUmhRaHJHeEljUUs4aFllQnQzUEZQRDR6NjRMeHE5MTA1a0MtNHpraTNLVHJzcnB5cU5mTG5EZFdjOUpmSW1INFJZVHJIUlI0R25ENGJBdXpJVzFaSzByLWhwdUxZbERScFIwYnM5b1EzejNXRjl5V2ljVUVSUTVqRHFCX1NzazRFUnJuWElxM2RxcmE2TVQwNUdGNUZGSlFyWGhtNHlOaFBDTl9iZ3pPcXNDckxUeDVtVWkybW5maUdBUGwyMkE?oc=5) · hometownsource.com
- 2025-12-19 [Man guilty of robbery at Colorado bank sentenced to prison, has "extensive criminal record" courts say - CBS News](https://news.google.com/rss/articles/CBMijwFBVV95cUxNUVlmT3VRYXJjQVIzamVVd0ZJRmV1YXp3Wi03eGtKSFFoTkVtNmpsX1RxY0JjSUhQeXRVWGdaeGw0OGlQa05oZXhQajZiS05ZZXFoZ0ZNeTdmX3V2b3JCT0FoSGJhV3lZdEhVOHFLYmFHdVdTdWphM3N1YmhqU1FJU0RpMEVMQ2UyV0ExV21jNNIBlAFBVV95cUxOMkpfREJuWVAydlhGTVQ2ZFVjVjlCVjZMOXFzVGRCa0RMbmIwODk0TWdySzBKMjA1X0VhdnM3eXdCMTNOTTNWcTgtWllCV3R2MDA5elZ5VmNOWGktX3NkeEw4a0lYenkxcFhfb2JZT1NxRTM1bU5yZVZhZmNXSDRfVVJ3dTFLczZnQkJuaGJrOHJhb1ZF?oc=5) · CBS News
- 2024-11-19 [Elaine Ione Friedrich Obituary Nov 19, 2024 - mahnfamilyfuneralhome.com](https://news.google.com/rss/articles/CBMic0FVX3lxTFAzRjU4bGlYVTZlM3QwU09MbXZFTWJfTWQ2WWxaS1M2NEc4RHN5eFp2ZXFRU0NUVGhNMEF3TkZ0b2RFUkpMM01pUzRfWk8xWXpQdWl6Z1otTEdVb0ZnLTY1Ni11clFBRGFPZ2RVUFlZLW5qNXc?oc=5) · mahnfamilyfuneralhome.com
- 2020-06-18 [Pillar of the community dies: Dan Nicolai was owner, operator of Castle Rock Bank for 60 years - hometownsource.com](https://news.google.com/rss/articles/CBMipAJBVV95cUxNQVdwTTN0Vl9xellzTlhZRlJ0VG5FbnM3eURLUS04d1U4Tzd1SVRVV2UzLUhna05hVmphUUFUa2tNSXVqXzFmcnRTNGIzdEtzbTFUVzY4c0VDeE9vM1IwR0NXTmQ4QzVhM0tORTZSaGhjN1gxTnVpWDRmWWN2b2dTbjVyTjlRV0tDOThIRzJydE5TZW05Rnl6YzRvNWZtZWMwZGdZYTB4S3loM1hKYVFraFpHSlNCblNWZFlxajVaWXJwQllEc19PRlkyNUdsU2hTR21mY2RDTVZUSVliVFFBV3V5b2JXdmUxSld4TkNtODk3WHdGamNpZTlhZUFsWUVWU1k5ZDRWM0Jfcm95dDZJRW83X2FOZlRuNXlrM1RKZnp2Z1Zj?oc=5) · hometownsource.com
- 2022-04-03 [Business People: Fredrikson & Byron shareholder joins magistrate judge search panel - Pioneer Press](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPUmZLTHBhaS1OVTBZZGxtTVpRMVpBMkNLZmpHSUZPdURyWXEyVGNNN2NNX21VdzNtamRrVmY4bjlPd3FZbUdUcFp2SVZxWVZ5NGp1dTlNaEMwZFhPZXlpNjhNUFNhYmJaTkl5cjQzd09FWjNBb2NiaExGaVFUUnIzWnN0d2xXZUtJZ1hnNE5icHVfTnE4aVNsN1h0R1JyNzZkYk9kcDZyZ2VsR2YwTmMyR1VHOHlKVFhfMHY4?oc=5) · Pioneer Press
- 2020-06-13 [Daniel H. Nicolai Obituary Jun 13, 2020 - White Funeral Homes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1RMjl5MGpYR2hjdk1fWnp2Y3MxdUFsXzBlenF6N1VGQXdQcWhoOVEwNElaVnBfNUZscnltN1p2OU1iWXh6SkktYThpVlhmYWJTOUpTWXhZdTdUS0dKRVI4ZVNlVHlZV0M1?oc=5) · White Funeral Homes
- 2025-01-23 [Google Wallet adds 22 new US banks: Is yours on the list? - androidpolice.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFB4SVVIaXJ3ZkthMF95Z291WnR6eHZhQkdSUXpjaUQ4RTEyYWN5bWYwdlFIMHo3WkRnQUZwZmMxX0tHMmJrUnlWUmlpa2FTZ3N6eEVuUUNiSjhaYTZBOUtOZGltRlpHd1Fmckl2aGV5RmJXbThYbTBYc01iQ1pWS1k?oc=5) · androidpolice.com
- 2023-11-29 [Tayven M. Geiger Obituary Nov 29, 2023 - Lundberg Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9IQV9XV3d0NmdkbF9VSFpfbXNHbDRaR2pnNjlQbDVVaXNGSFR4MU1XOTlOVjlRa1FXdnlVYVhMSGVrOEJvYnlMc0ZjMnN6QzFxOElCWXloMDdRcDlJaEk0ZENkZkYwT0U?oc=5) · Lundberg Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1913 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/57.json (key "1913", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide