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Stock Growers Bank

$100M-$1B Specialty: Agricultural ND FDIC cert 8942

Forman, ND

6 branches across ND

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 34 in ND.
  • Deposits +3.8% year over year ($299.9M on the books).
  • Delinquency rate 0.05%.
  • Return on assets 1.63%.
  • Efficiency ratio 44.37% vs a 64.48% peer average.
  • Loan-to-deposit ratio 57.13% 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 34 in ND
View $100M-$1B leaderboard (ND) →

Stock Growers Bank has 3 strengths but faces 4 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

  • + Credit Quality Leader: Top 8.0% in tier
  • + Efficiency Ratio 20.11% below tier average
  • + ROA 0.31% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 4.9% in tier
  • - Credit Risk Growth: Bottom 23.6% in tier
  • - Non-Interest Income / Assets 0.50% below tier average
  • - Net Interest Margin 0.94% below tier average
Get updates when Stock Growers Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Total Assets ? $332.9M
+4.5% YoY -0.6% QoQ
-$53.7M $386.6M
+1.2% YoY
$1.1B
+6.9% YoY
$6.3B
+7.7% YoY
51%
Total Loans ? $171.3M
+7.1% YoY +5.4% QoQ
-$87.0M $258.3M
+1.7% YoY
$805.2M
+6.2% YoY
$3.2B
+9.4% YoY
41%
Total Deposits ? $299.9M
+3.8% YoY -1.6% QoQ
-$26.9M $326.7M
+0.7% YoY
$922.2M
+5.0% YoY
$4.9B
+7.3% YoY
55%
Return on Assets ? 1.63%
+25.5% YoY +10.7% QoQ
+0.31% 1.32%
+10.8% YoY
1.44%
+8.8% YoY
1.30%
+12.1% YoY
72%
Net Interest Margin ? 3.05%
+9.8% YoY +4.3% QoQ
-0.94% 3.99%
+5.0% YoY
3.79%
+4.3% YoY
3.95%
+4.9% YoY
Bottom 11.2% in tier
Efficiency Ratio ? 44.37%
-10.9% YoY -7.0% QoQ
-20.11% 64.48%
-3.2% YoY
59.23%
-3.7% YoY
70.05%
+2.5% YoY
Top 8.1% in tier
Delinquency Rate ? 0.05%
+43.4% YoY -90.5% QoQ
-0.87% 0.92%
+15.7% YoY
0.86%
+16.6% YoY
0.98%
+16.3% YoY
79%
Loan-to-Deposit Ratio ? 57.13%
+3.2% YoY +7.1% QoQ
-20.82% 77.95%
+1.0% YoY
73.82%
-0.7% YoY
79.03%
+2.3% YoY
Top 14.4% in tier
Non-Interest-Bearing Deposit Share ? 19.36%
+1.1% YoY -4.4% QoQ
-2.67% 22.03%
-0.6% YoY
21.56%
+2.8% YoY
21.98%
-0.6% YoY
42%
Nonperforming Asset Ratio ? 0.03%
+47.0% YoY -89.9% QoQ
-0.64% 0.67%
+16.4% YoY
0.54%
+8.1% YoY
0.69%
+15.8% YoY
83%
Tier 1 Capital Ratio ? 11.56%
+3.8% YoY +4.0% QoQ
-4.35% 15.91%
+1.4% YoY
12.90%
+0.7% YoY
17.09%
+0.8% YoY
30%
Non-Interest Income / Assets ? 0.07%
-10.8% YoY +77.8% QoQ
-0.50% 0.57%
+7.6% YoY
0.22%
-1.4% YoY
0.66%
+5.2% YoY
Bottom 8.8% 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 (ND) National Avg Tier Percentile
Noninterest-Bearing 19.4%
+0.2pp YoY
-0.9pp QoQ
 -2.8pp 22.1% 21.6% 22.2% 42%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
C&I 7.0%
+0.2pp YoY
+0.2pp QoQ
 -4.6pp 11.6% 12.9% 12.5% 33%
CRE 6.1%
+0.8pp YoY
+1.1pp QoQ
 -33.4pp 39.5% 29.0% 41.4% 2%
1-4 Family 2.6%
+0.7pp YoY
+0.1pp QoQ
 -30.0pp 32.6% 12.3% 31.3% 2%
Consumer 3.1%
-0.4pp YoY
-0.1pp QoQ
 -1.0pp 4.1% 4.5% 5.0% 62%

Capital

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.3% 19.7% n/a
Leverage Ratio 11.6%
+0.4pp YoY
+0.4pp QoQ
 -0.6pp 12.2% 10.7% 12.6% 59%
Total Capital Ratio n/a n/a 19.9% 16.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Full-Time Employees 26
-3 (-10.3%) YoY
-3 (-10.3%) QoQ
 -33 58 138 482 21%
Assets per Employee ($) $12.8M
+16.6% YoY
+10.9% QoQ
 +$5.3M $7.5M $8.3M $8.8M 94%
Branch Count 6
0 YoY
0 QoQ
 +1 4 7 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.5% 0.4% n/a
Nonaccrual 0.1%
0.0pp QoQ
 -0.9pp 0.9% 0.7% 1.0% 12%
Allowance Coverage 12.69x
-29.4% YoY
+891.7% QoQ
 -11.47x 24.15x 73.79x 20.23x 84%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
ROE 18.9%
-1.1pp YoY
+1.5pp QoQ
 +6.8pp 12.2% 16.0% 11.6% 85%
Cost of Funds (YTD) 1.6%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.7% 1.7% 41%
Net Income ($, YTD) $2.7M
+28.4% YoY
— QoQ
 +$158K $2.6M $7.0M $40.4M 65%

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 (1)

Credit Quality Leader

growth
#54 of 659 • Top 8.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (2)

Credit Quality Pressure

risk
#62 of 1256 • Bottom 4.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#222 of 936 • Bottom 23.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 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)

215
Efficiency Ratio
profitability
Value: 44.37%
Peer Median: 64.48%
#215 of 2643 Top 8.1% in $100M-$1B
382
Loan-to-Deposit Ratio
liquidity
Value: 57.13%
Peer Median: 77.95%
#382 of 2643 Top 14.4% in $100M-$1B
458
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#458 of 2643 Top 17.3% in $100M-$1B
552
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#552 of 2633 Top 20.9% in $100M-$1B

Top Weaknesses (2 metrics)

2411
Non-Interest Income / Assets
revenue_mix
Value: 0.07%
Peer Median: 0.57%
#2411 of 2643 Bottom 8.8% in $100M-$1B
2347
Net Interest Margin
profitability
Value: 3.05%
Peer Median: 3.99%
#2347 of 2643 Bottom 11.2% in $100M-$1B
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