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ProGrowth Bank

$100M-$1B Specialty: Agricultural MN FDIC cert 8536

Nicollet, MN

4 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits -2.5% year over year ($327.1M on the books).
  • Delinquency rate 0.00%.
  • Return on assets -1.12%.
  • Efficiency ratio 98.81% vs a 64.48% peer average.
  • Loan-to-deposit ratio 24.60% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

ProGrowth Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 13.3% in tier
  • - Return on Assets 2.44% below tier average
  • - Net Interest Margin 2.38% below tier average
  • - Non-Interest-Bearing Deposit Share 13.31% below tier average
  • - Non-Interest Income / Assets 0.50% below tier average
Get updates when ProGrowth Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $364.8M
-12.3% YoY -1.7% QoQ
-$21.8M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
57%
Total Loans ? $80.5M
-0.9% YoY -0.9% QoQ
-$177.9M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
Bottom 10.6% in tier
Total Deposits ? $327.1M
-2.5% YoY -2.0% QoQ
+$391K $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
60%
Return on Assets ? -1.12%
-336.8% YoY +49.9% QoQ
-2.44% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
Bottom 1.2% in tier
Net Interest Margin ? 1.60%
-22.4% YoY +14.6% QoQ
-2.38% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
Bottom 0.3% in tier
Efficiency Ratio ? 98.81%
+38.6% YoY -5.3% QoQ
+34.34% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
Bottom 2.5% in tier
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 24.60%
+1.6% YoY +1.1% QoQ
-53.35% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
Top 1.2% in tier
Non-Interest-Bearing Deposit Share ? 8.72%
+13.5% YoY +11.8% QoQ
-13.31% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 8.2% in tier
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 20.01%
+13.4% YoY +3.4% QoQ
+4.10% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
Top 13.7% in tier
Non-Interest Income / Assets ? 0.07%
+10.8% YoY +107.6% QoQ
-0.50% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
Bottom 9.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 8.7%
+1.0pp YoY
+0.9pp QoQ
 -13.4pp 22.1% 21.9% 22.2% 8%
Brokered Deposits 22.3%
-6.7pp YoY
-0.6pp QoQ
 +14.5pp 7.9% 8.3% 8.5% 93%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 11.2%
-0.6pp YoY
+0.1pp QoQ
 -0.4pp 11.6% 14.6% 12.5% 59%
CRE 19.2%
+0.7pp YoY
+0.5pp QoQ
 -20.4pp 39.5% 36.5% 41.4% 16%
1-4 Family 29.2%
-1.9pp YoY
+0.2pp QoQ
 -3.4pp 32.6% 29.4% 31.3% 49%
Consumer 1.1%
-0.3pp YoY
-0.1pp QoQ
 -3.0pp 4.1% 4.5% 5.0% 31%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 20.0%
+2.4pp YoY
+0.7pp QoQ
 +1.2pp 18.8% 16.5% 19.7% 78%
Leverage Ratio 7.1%
0.0pp YoY
+0.7pp QoQ
 -5.1pp 12.2% 11.0% 12.6% 0%
Total Capital Ratio 20.5%
+2.5pp YoY
+0.7pp QoQ
 +0.6pp 19.9% 17.6% 20.8% 76%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 34
+2 (+6.2%) YoY
+2 (+6.2%) QoQ
 -25 58 55 482 33%
Assets per Employee ($) $10.7M
-17.4% YoY
-7.4% QoQ
 +$3.2M $7.5M $8.6M $8.8M 89%
Branch Count 4
0 YoY
0 QoQ
 -1 4 4 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 20.41x 20.23x n/a
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
 -0.2pp 0.1% 0.2% 0.2% 16%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE -21.6%
-32.4pp YoY
+22.5pp QoQ
 -33.8pp 12.2% 13.1% 11.6% 0%
Cost of Funds (YTD) 3.3%
+0.1pp YoY
-0.3pp QoQ
 +1.6pp 1.7% 1.7% 1.7% 99%
Net Income ($, YTD) $-2143000.0
-323.2% YoY
— QoQ
 -$4.7M $2.6M $4.5M $40.4M 1%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Efficiency Drag

risk
#49 of 361 • Bottom 13.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 98.81%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
32
Loan-to-Deposit Ratio
liquidity
Value: 24.60%
Peer Median: 77.95%
#32 of 2643 Top 1.2% in $100M-$1B
364
Tier 1 Capital Ratio
capital
Value: 20.01%
Peer Median: 15.91%
#364 of 2643 Top 13.7% in $100M-$1B

Top Weaknesses (6 metrics)

2635
Net Interest Margin
profitability
Value: 1.60%
Peer Median: 3.99%
#2635 of 2643 Bottom 0.3% in $100M-$1B
2612
Return on Assets
profitability
Value: -1.12%
Peer Median: 1.32%
#2612 of 2643 Bottom 1.2% in $100M-$1B
2579
Efficiency Ratio
profitability
Value: 98.81%
Peer Median: 64.48%
#2579 of 2643 Bottom 2.5% in $100M-$1B
2428
Non-Interest-Bearing Deposit Share
funding
Value: 8.72%
Peer Median: 22.03%
#2428 of 2643 Bottom 8.2% in $100M-$1B
2407
Non-Interest Income / Assets
revenue_mix
Value: 0.07%
Peer Median: 0.57%
#2407 of 2643 Bottom 9.0% in $100M-$1B
2364
Total Loans
size
Value: $80.48M
Peer Median: $258.35M
#2364 of 2643 Bottom 10.6% in $100M-$1B
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