Eagle Rock Bank: how it compares with its peers
Against 77 MN banks with half to twice its assets, Eagle Rock Bank's strongest measure in Q2 2026 is assets per employee ($10.0M vs. a $7.6M peer median). Its weakest relative measure is return on assets (1.17% vs. 1.36%).
| Measure | Eagle Rock Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.17% | 1.36% | Middle third Ahead of 35% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.10% | 3.96% | Middle third Ahead of 57% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.28% | 61.03% | Top third Ahead of 74% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.0M | $7.6M | Top third Ahead of 83% of peers |
| Loans to deposits Net loans and leases over total deposits. | 102.44% | 83.84% | Context |
What it means for lending operations
Its efficiency ratio of 54.28% is better than the 61.03% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First State Bank and Trust Bayport, MN · $499M
- EntreBank Bloomington, MN · $527M
- Lake Elmo Bank Lake Elmo, MN · $530M
- First Farmers & Merchants Bank Cannon Falls, MN · $486M
- Profinium, Inc. Truman, MN · $533M
- Community Bank Mankato Vernon Center, MN · $538M
Questions about Eagle Rock Bank
How big is Eagle Rock Bank?
Eagle Rock Bank, established in 1996, is headquartered in Rochester, MN. It reported $508M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Eagle Rock Bank's return on assets?
1.17% annualized in Q2 2026, against a 1.36% median for 77 MN banks with half to twice its assets, ahead of 35% of them.
What is Eagle Rock Bank's efficiency ratio?
54.28% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 61.03%, and lower is better.
Is Eagle Rock Bank growing its loans?
Net loans grew 96.0% over the year to Q2 2026, while deposits grew 97.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.