Eagle Rock Bank (FDIC #34171): Bank Stress & Real-Estate Credit Exposure

Eagle Rock Bank (FDIC Cert #34171): bank stress 62/100, elevated, STABLE over 7 days; parent OLMSTED HOLDING CORP.

Eagle Rock Bank (#34171) lends in 4 counties across 1 state; Eagle Rock Bank (#34171) reaches 129 ZIP codes: Minnesota 4 counties, 129 ZIPs.

Eagle Rock Bank (#34171) largest markets: Hennepin County, MN (73 branches, 73 ZIPs) (#34171), Ramsey County, MN (27 branches, 27 ZIPs) (#34171), Olmsted County, MN (42 branches, 21 ZIPs) (#34171), Scott County, MN (10 branches, 10 ZIPs) (#34171).

Eagle Rock Bank (#34171) reports $508.2 million in total assets; Eagle Rock Bank (#34171) equity $57.9 million (11.4% of Eagle Rock Bank (#34171) assets); Eagle Rock Bank (#34171) domestic deposits $420.8 million; Eagle Rock Bank (#34171) net income $2.1 million; Eagle Rock Bank (#34171) return on assets 1.17%; Eagle Rock Bank (#34171) return on equity 10.61%; Eagle Rock Bank (#34171) net interest income $6.9 million; Eagle Rock Bank (#34171) call report June 30, 2026.

Eagle Rock Bank (#34171) noncurrent real-estate loans: none reported; Eagle Rock Bank (#34171) net charge-offs on real estate 1.12%.

Eagle Rock Bank (#34171) net interest margin 4.10% against an eight-quarter Eagle Rock Bank (#34171) average of 3.69% (Eagle Rock Bank (#34171) compression -0.41 points); Eagle Rock Bank (#34171) rate-exposure score 40/100, Eagle Rock Bank (#34171) fixed-rate trap 40/100; Eagle Rock Bank (#34171) risk type credit driven; Eagle Rock Bank (#34171) rate regime rates elevated, Eagle Rock Bank (#34171) snapshot October 19, 2026.

Eagle Rock Bank (#34171) stress score moved from 65.7 on June 22, 2026 to 62.2 on October 19, 2026; Eagle Rock Bank (#34171) ranged 62.2 to 65.7 over 116 snapshots.

Eagle Rock Bank (#34171) alerts: 4 counties; top Eagle Rock Bank (#34171) alert scores: Jordan County, MN 22 (low); Minneapolis County, MN 22 (low); Saint Paul County, MN 22 (low); Stewartville County, MN 22 (low).