TellerScore

Eagle Rock Bank is a state-chartered bank headquartered in Rochester, Minnesota, in business for about 30 years. At the end of Q2 2026 it reported $508.2M in total assets and $420.8M in deposits, with 5 offices.

Based on its Q2 2026 filing, Eagle Rock Bank scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 86th. Its strongest component is capital cushion (88/100; 13.80%), and its lowest is funding & liquidity (43/100; 102% loans-to-deposits, 28% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion88/100
Tier 1 leverage ratio: 13.80%
Loan quality69/100
Noncurrent loans ÷ total loans: 0.92%
Earnings67/100
Return on assets (annualized): 1.17%
Funding & liquidity43/100
Loans ÷ deposits and uninsured-deposit share: 102.4% · 28.3% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.39%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 16 points (56 → 72), mostly because the capital cushion component improved by 32 points.

TellerScore
476073Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202447
Q4 202452
Q1 202556
Q2 202556
Q3 202558
Q4 202571
Q1 202673
Q2 202672
Tier 1 leverage ratio
5.00%9.40%13.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.09%
Q3 202410.56%
Q4 202410.57%
Q1 202510.67%
Q2 202510.57%
Q3 202510.49%
Q4 202511.02%
Q1 202611.16%
Q2 202613.80%
Noncurrent loans
0.00%0.92%1.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20241.84%
Q4 20241.10%
Q1 20251.15%
Q2 20251.30%
Q3 20251.04%
Q4 20250.04%
Q1 20260.00%
Q2 20260.92%
Return on assets
0.15%0.66%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.65%
Q3 20240.47%
Q4 20240.15%
Q1 20250.68%
Q2 20250.83%
Q3 20250.87%
Q4 20250.97%
Q1 20261.05%
Q2 20261.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$508.2M13.80%0.92%1.17%102.4%
Q1 202673$280.3M11.16%0.00%1.05%91.0%
Q4 202571$272.2M11.02%0.04%0.97%94.7%
Q3 202558$279.5M10.49%1.04%0.87%107.0%
Q2 202556$272.8M10.57%1.30%0.83%103.1%
Q1 202556$268.2M10.67%1.15%0.68%101.9%
Q4 202452$261.6M10.57%1.10%0.15%102.1%
Q3 202447$262.1M10.56%1.84%0.47%102.5%
Q2 202467$256.7M11.09%0.02%0.65%110.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.80%
80th
Total risk-based capital12.07%
53rd
Problem loans0.92%
30th
Net charge-offs0.00%
68th
Return on assets1.17%
45th
Net interest margin4.10%
59th
Efficiency ratio54.3%
74th
Loans to deposits102.4%
7th
Uninsured deposits28.3%
34th
Loan-loss reserves1.10%
39th
Texas ratio6.4%
29th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank and TrustBank Bayport, MN73 out of 100, Strong$499.0M8.9%0.03%vs
EntreBankBank Bloomington, MN72 out of 100, Strong$527.1M9.6%0.03%vs
Lake Elmo BankBank Lake Elmo, MN74 out of 100, Strong$529.7M11.6%0.84%vs
First Farmers & Merchants BankBank Cannon Falls, MN77 out of 100, Strong$486.4M10.1%0.01%vs
Profinium, Inc.Bank Truman, MN72 out of 100, Strong$533.1M10.2%0.13%vs
Community Bank MankatoBank Vernon Center, MN47 out of 100, Below average$538.3M9.5%2.15%vs

Deposit insurance

Is my money safe at Eagle Rock Bank?

Yes. Eagle Rock Bank is an FDIC-insured institution (FDIC certificate #34171). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.3% of deposits ($118.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.80%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.07% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Eagle Rock Bank lists 5 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Eagle Rock Bank reported 47 home-loan applications under HMDA (LEI 549300Y6FW0UWRZJW587): 45 originated ($23,205,000 total), 0 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Eagle Rock Bank
Former names
Olmsted National Bank; ONB Bank
Type
State-chartered bank
FDIC certificate #
34171
RSSD ID
2391588
Primary regulator
FDIC
Holding company
Olmsted Holding Corp
Established
May 9, 1996
Headquarters
3701 40th Ave Nw, Rochester, MN 55901
Employees
51

Quick answers

Eagle Rock Bank: common questions

Is Eagle Rock Bank FDIC insured?

Yes. Eagle Rock Bank is an FDIC-insured institution (FDIC certificate #34171). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Eagle Rock Bank's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Eagle Rock Bank ever failed?

There is no failure record for FDIC certificate #34171 in the FDIC failed bank list.

How many branches does Eagle Rock Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Rochester

InstitutionScoreAssetsCapitalProblem loansCompare
Mayo Employees Federal Credit UnionCredit union Rochester, MN98 out of 100, Very strong$1.5B14.9%0.05%vs
Think Mutual BankBank Rochester, MN86 out of 100, Very strong$2.2B16.3%0.25%vs
Security State Bank of WanamingoBank Wanamingo, MN84 out of 100, Strong$112.7M11.4%0.00%vs
Premier Bank MinnesotaBank Hastings, MN77 out of 100, Strong$691.5M10.0%0.04%vs
First National BankBank Oldham, SD77 out of 100, Strong$477.8M18.4%2.01%vs
Minnesota First Credit and Savings, IncorporatedBank Rochester, MN76 out of 100, Strong$29.9M14.2%0.12%vs