# EAGLE ROCK BANK
ROCHESTER, MN · FDIC certificate 34171 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $508.2M | |
| Deposits | $420.8M | |
| Loans and leases | $435.8M | |
| Total equity | $57.9M | |
| Loans / deposits | 102.44% (p92 of band) | 82.04% |
| Liquid assets / assets | 11.68% (p8 of band) | |
| Uninsured deposits / deposits | 28.27% (p60 of band) | 25.97% |
| Brokered deposits | 1.65% | |
| Wholesale funding | 6.74% (p66 of band) | |
| FHLB advances / assets | 5.09% | |
| Tier 1 leverage | 13.80% (p84 of band) | 10.81% |
| Unrealized securities loss / equity | -2.01% (p79 of band) | -8.10% |
| AOCI / equity | -0.24% (p56 of band) | |
| ROA (annualized) | 1.17% (p44 of band) | 1.28% |
| Net interest margin | 4.10% (p60 of band) | 3.91% |
| Efficiency ratio | 54.28% (p28 of band) | |
| Noncurrent loans | 0.92% (p70 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 120.11% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 116.66% (p91 of band) | |
| Auto loans | $467,000 (0.11% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 97.3% | |
| Employees | 51 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 2 |  | capital falling |
| 2012-03 | 3 | assets shrinking |  |
| 2012-06 | 3 | uninsured deposits leaving | assets shrinking |
| 2012-09 | 3 | capital falling | uninsured deposits leaving |
| 2012-12 | 3 |  |  |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 6 | noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2013-09 | 5 |  | assets shrinking |
| 2013-12 | 7 | capital falling, assets shrinking, uninsured deposits leaving | noncurrent p90 |
| 2014-03 | 6 | construction >100% equity | capital falling, assets shrinking |
| 2014-06 | 3 |  | deposits shrinking, uninsured deposits leaving, construction >100% equity |
| 2014-09 | 2 | construction >100% equity | losing money, expense ratio p90 |
| 2014-12 | 1 |  | reserve under noncurrent |
| 2015-03 | 0 |  | construction >100% equity |
| 2015-06 | 1 | construction >100% equity |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | construction >100% equity |
| 2016-09 | 2 | loans exceed deposits, construction >100% equity |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 2 |  | loans exceed deposits |
| 2017-06 | 2 | loans exceed deposits | capital falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | loans exceed deposits |
| 2018-06 | 4 | loans exceed deposits, wholesale funding >15%, capital falling |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 3 |  | wholesale funding >15% |
| 2019-03 | 4 | wholesale funding >15%, charge-offs p90 | capital falling |
| 2019-06 | 3 |  | charge-offs p90 |
| 2019-09 | 3 | capital falling | wholesale funding >15% |
| 2019-12 | 2 |  | loans exceed deposits |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 2 | loans exceed deposits |  |
| 2020-09 | 1 |  | construction >100% equity |
| 2020-12 | 0 |  | loans exceed deposits |
| 2021-03 | 1 | reserve under noncurrent |  |
| 2021-06 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2021-09 | 0 |  | reserve under noncurrent, loans exceed deposits, wholesale funding >15% |
| 2021-12 | 1 | construction >100% equity |  |
| 2022-03 | 1 | loans exceed deposits | construction >100% equity |
| 2022-06 | 2 | construction >100% equity |  |
| 2022-09 | 3 | capital falling |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | loans exceed deposits |
| 2023-06 | 2 | loans exceed deposits | capital falling |
| 2023-09 | 3 | wholesale funding >15% |  |
| 2023-12 | 3 | capital falling | wholesale funding >15% |
| 2024-03 | 4 | wholesale funding >15% |  |
| 2024-06 | 3 |  | capital falling |
| 2024-09 | 4 | charge-offs p90, reserve under noncurrent | wholesale funding >15% |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 |  | charge-offs p90 |
| 2025-06 | 3 |  |  |
| 2025-09 | 4 | capital falling |  |
| 2025-12 | 2 | charge-offs p90 | loans exceed deposits, reserve under noncurrent, capital falling |
| 2026-03 | 1 |  | charge-offs p90 |
| 2026-06 | 2 | loans exceed deposits |  |

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

- 2026-06-04 [Eagle Rock Bank almost doubled assets and staff with Riverland Bank merger - Post Bulletin](https://news.google.com/rss/articles/CBMisgFBVV95cUxNaG5keUc3RmlKeEd4cS04R010eWVCSklESEszNTItRW44YWg1cHN0N1NhUDhrSG1HdERjYkMtLTNMdHJETy1QQVhReXRZX09xYWI2bDNraFoyampKSjQ5bTVDa21EbVlPVVlNZUo5YW4wSFU1T1FFWGk4YVdvQXJGTWpBem5zdTdPb1VKaWxQV19EQUpRNjZ3ekVFcTkyQ2xYQWVsSmJLUDNveGM3WU41d0Nn?oc=5) · Post Bulletin
- 2026-02-17 [Eagle Rock Bank, Riverland Bank merge to create $500M institution - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxPX2xIN2xJWUhTMjJsMUxpNGljeW5nZy1rOHktbHhxa1h1YmNuZGZGQ2RQc0NuU2lFREtOLWpHNlhKTHFfTG93QXV4aFg2MzFRQThBT1cxV3l3ZXNEVWFZWkJlRldtUzAyVGM0Q2NZbTZJQnJOa0RHc2txMjRldjNHQW1PZmFsRm04Q2c2bXN2RHM4ZFBEcUtEZXdIbkc?oc=5) · The Business Journals
- 2025-12-10 [Rochester's Eagle Rock Bank announces leadership transition for 2026 - kimt.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNVWhsZlJvY0JOdzhlNTAxZUF1bWh4dnV1bXBsei1kUkg5ZkJEOWhNZ0s3Mlg2WTRGRWFEWFlFem91V09jaXVJSFVFeHVsNzRLd3ozU1RwdkRjRTJCQ0pfZW4wdUt5c2NyYjBHMTA4M0cta1BXbTZ6NWo4d0lORDRmOXpzMzhIbkM2OEhmZjlYUTVHNERRaENUTTJlUEk0NlR1MmxFWWRSTE9yM2szd3Bwc290THkwa0dNS0ZJVzJPX1k3VlJaZTdNU0hISkVpd1FFRjNQSjA3UEVoR3M?oc=5) · kimt.com
- 2025-12-30 [Eagle Rock Bank to move its headquarters, opening door for Blaze Credit Union to move into Rochester - Post Bulletin](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNRXZYMEkxaU1kV19tS1Y2MmVGSWt6cnhLVUo3ZnJHTkw4NWY4Ul9kalBpb1N4TXZMSDQ4U0FlTGtBTlhWTi1JRTltV015NHlaU1ZGelFjekxNVlBTVThxZ2c2akZjMlRFOXBHbjdJakhhSm9sUFFYRjZQbDNBRjNjRGlmS1JGRlJZZzNGQVhEVFo3T0dzV0wwRWtYRjVpVU1kb1NYN09OWGctTXgxcmxKeWxtUE1FdHdUdWxhdmtVOUJrZnRsLU9sRDF5dTU4bEZUTmR3?oc=5) · Post Bulletin
- 2025-12-30 [Blaze Credit Union expanding to Rochester, buying part of Eagle Rock Bank HQ - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxQWU04RTVQREV3YjZQTDNXOUdIOVNqZzFTS2NYMWdabS1DZVZkeFNLaS1COUxKZFduaHNTeTQ1T0Z1VVpyMm4tbUNuZEdEaVh0NkN2ekRacHBNU1JnRkgyUE5QaWduMExvY1FiUkUwemd0SjJoaDR2aEFtR2tuRm81am5YUWJCbU9QN1lmYi1iUXFEZw?oc=5) · The Business Journals
- 2026-01-06 [Blaze Credit Union paid $3.2 million for its new Rochester branch space - Post Bulletin](https://news.google.com/rss/articles/CBMirAFBVV95cUxNZVJIVElLZmVFZklNLVQtaTI2NlJrbmloZ0dFbFk3VWZla3RvbWw0WkZhd2plclpwbTh3MngwRE95ZHdLdllCMnI0Sm5KbmZ0SEZzWHVaQV9kTVAzaF9xY3JhYW5hbFA0RWY1Q1hLMFl2LS11WVQtLTVWOHQ2RndGUGRBSzBZV2tMeU5McWtTMmRlUXVFTjFLU3FZcU5ESDJnampncEpjeEYzOXlU?oc=5) · Post Bulletin
- 2025-12-14 [Stewartville wrestling community shares ways to help after Friday’s shooting - kaaltv.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxQcjFjcE1RTDlhbS1pcTRkbFplR01jN0VtMnBEaU1FUXJXNWZXUDAxZE1FVEpxN2lxM0tHRFBGSTVqUGcxa2lucFhRSFBsc1ltUkFENXV0UVY1dVppOC1yMzRLeUV1WERzYmQzbWpPN3BfcjI0S21mTHF0UEljR2hRWmpleFRUaE1mdGF5SXN6MDdQTzRBUE1VUUcwenJObUZzSko0Slp2TQ?oc=5) · kaaltv.com
- 2024-01-23 [Rochester's ONB to change its name to Eagle Rock Bank, but its local ownership will stay the same - Post Bulletin](https://news.google.com/rss/articles/CBMizgFBVV95cUxPaWphNnNwM3Q1WG5Vb3BpWDAwZjFKMC03aVprUnNFZmZnTHhyUFctLXgtQUZfNWdCc2JvY1BhX1RhQUJkV1lIMWxybDVpcUYtQ0g3b0FoN09vZnJyYjVHMXJ6Szk2OXpsREZPWXNCTGluYW1xSTl4WDZLR2hQTjc0a1lfY3ZGR1p4blBwbmtrWk9XWG1tWlREb2hKbm5oS1JuU2RadDFPYjhnU2Q5VjJLWnBrVlFCa0Y5UHJXVjM4ekRudDgyaDJSbzR0Yk90Zw?oc=5) · Post Bulletin

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34171 (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/59.json (key "34171", 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.

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