Castle Rock Bank

27925 Danville Avenue
Castle Rock, MN 55010


General Bank Information

FDIC Insured Yes
FDIC Certificate # 1913
Date Established 1916
Assets $0.20 billion
Loans $0.09 billion
Deposits $0.17 billion
Capital $0.03 billion

Castle Rock Bank is an FDIC insured institution located in Castle Rock, MN. It was founded in 1916 and has approximately $0.2 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of Castle Rock Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Castle Rock Bank’s loan portfolio are Commercial and Industrial Loans, 1-4 Family Residential Loans, and Farm Loans.

Compared to other banks in Minnesota, Castle Rock Bank has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 22.80
Credit Card Loans 0.00
Consumer Auto Loans 1.71
Small Business Loans 15.66
Construction and Development Loans 0.65
Commercial Real Estate 15.66
Commercial and Industrial Loans 26.69
Farm Loans 16.51

Savings Rates

Your Current Location: Virginia, VA 20146

6 Mo CD 10K
0.15% $2,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA 0K
0.75% $50 - Learn MoreShow Less
0.10% $1,000 $9,999 Learn MoreShow Less
MM 10K
0.20% $10,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $800 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Castle Rock Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
US Wide Financial
NMLS ID: 55028
License#: MC-5809
3.680% 3.625% 0.50 $1,705 $1,141 Learn More

Note to Castle Rock Bank
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Financial Details

Castle Rock Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Castle Rock Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Castle Rock Bank U.S. Bank Average
9.04% 8.87%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of March 31, 2017, Castle Rock Bank had $2,635,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $27,217,000 in equity and $1,940,000 in loans loss reserves. That gives it a Texas Ratio of 9.04%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Castle Rock Bank U.S. Bank Average
9.87% 8.39%

Castle Rock Bank has a Return on Equity of 9.87% versus the BestCashCow average of 8.39%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Castle Rock Bank U.S. Bank Average
13.37% 11.94%

Castle Rock Bank has a Capitalization of 13.37% versus the BestCashCow average of 11.94%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Castle Rock Bank Balance Sheet Analysis

As of June 30, 2017, Castle Rock Bank had assets of $203,494,000, loans of $88,944,000, and deposits of $174,829,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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