BlastPoint's Banking Scorecard
Castle Rock Bank
Micro
Specialty: Other
MN
FDIC cert 1913
Designations: ✓ Community bank
Castle Rock, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Castle Rock Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 17.36% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.24% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$289.7M
+6.5% YoY
+2.0% QoQ
|
+$72.2M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$127.0M
+6.0% YoY
+1.9% QoQ
|
-$12.2M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$247.8M
+5.9% YoY
+1.7% QoQ
|
+$64.1M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
1.07%
+22.3% YoY
-9.1% QoQ
|
-0.02% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
2.61%
+16.5% YoY
+2.2% QoQ
|
-1.24% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
53.86%
-2.6% YoY
+8.6% QoQ
|
-13.86% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
0.06%
+175.2% YoY
+390.5% QoQ
|
-0.58% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
51.24%
+0.0% YoY
+0.3% QoQ
|
-23.28% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.48%
-8.8% YoY
-3.0% QoQ
|
+1.09% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.02%
+173.8% YoY
+390.2% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
26.22%
+7.4% YoY
-1.0% QoQ
|
+17.36% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.22%
+0.2% YoY
+33.0% QoQ
|
-0.35% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
26.22%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Net Interest Margin
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.61%
(Tier avg: 3.85%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Tier 1 Capital Ratio
Current: 26.22% · Tier avg: 8.85%
83
83th pctile
Efficiency Ratio
Current: 53.86% · Tier avg: 67.73%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
75
75th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
71
71th pctile
Total Deposits
Current: $247.8M · Tier avg: $183.7M
70
70th pctile
Total Assets
Current: $289.7M · Tier avg: $217.5M
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.48% · Tier avg: 22.39%
52
52th pctile
Total Loans
Current: $127.0M · Tier avg: $139.2M
51
51th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.08%
26
26th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
14
14th pctile
Loan-to-Deposit Ratio
Current: 51.24% · Tier avg: 74.53%
7
7th pctile
Net Interest Margin
Current: 2.61% · Tier avg: 3.85%
Top Weaknesses
7
7th pctile
Net Interest Margin
Current: 2.61% · Tier avg: 3.85%
14
14th pctile
Loan-to-Deposit Ratio
Current: 51.24% · Tier avg: 74.53%
26
26th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
51
51th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.08%
52
52th pctile
Total Loans
Current: $127.0M · Tier avg: $139.2M
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.48% · Tier avg: 22.39%
70
70th pctile
Total Assets
Current: $289.7M · Tier avg: $217.5M
71
71th pctile
Total Deposits
Current: $247.8M · Tier avg: $183.7M
75
75th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
83
83th pctile
Efficiency Ratio
Current: 53.86% · Tier avg: 67.73%
94
94th pctile
Tier 1 Capital Ratio
Current: 26.22% · Tier avg: 8.85%