BlastPoint's Banking Scorecard
Stock Growers Bank
Forman, ND
6 branches across ND
Stock Growers Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.20% above tier average
- + Efficiency Ratio 17.58% below tier average
- + Delinquency Rate 0.36% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 39.8% in tier
- - Capital Thin: Bottom 44.6% in tier
- - Net Interest Margin 1.01% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$334.8M
+2.3% YoY
+0.9% QoQ
|
-$51.2M |
$386.1M
+0.5% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
52% |
| Total Loans ? |
$162.6M
+4.7% YoY
+3.1% QoQ
|
-$93.2M |
$255.7M
+1.1% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.8% YoY
|
39% |
| Total Deposits ? |
$304.6M
+0.5% YoY
+1.7% QoQ
|
-$23.4M |
$328.0M
+0.1% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.2% YoY
|
55% |
| Return on Assets ? |
1.47%
+34.0% YoY
+21.0% QoQ
|
+0.20% |
1.27%
+12.9% YoY
|
1.38%
+15.2% YoY
|
1.23%
+13.4% YoY
|
66% |
| Net Interest Margin ? |
2.92%
+10.2% YoY
+3.8% QoQ
|
-1.01% |
3.93%
+6.0% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 9.3% in tier |
| Efficiency Ratio ? |
47.71%
-11.6% YoY
-9.7% QoQ
|
-17.58% |
65.29%
-4.5% YoY
|
60.25%
-5.8% YoY
|
66.95%
-4.1% YoY
|
Top 12.1% in tier |
| Delinquency Rate ? |
0.53%
+50.9% QoQ
|
-0.36% |
0.89%
+18.8% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
53.37%
+4.2% YoY
+1.4% QoQ
|
-23.27% |
76.64%
+0.8% YoY
|
69.27%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Top 12.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.24%
-1.2% YoY
-2.8% QoQ
|
-1.77% |
22.02%
-1.0% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.2% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.26%
+54.3% QoQ
|
-0.38% |
0.64%
+19.7% YoY
|
0.56%
+12.7% YoY
|
0.67%
+19.3% YoY
|
54% |
| Tier 1 Capital Ratio ? |
11.11%
+4.0% YoY
-5.5% QoQ
|
-4.72% |
15.83%
+1.5% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.04%
-3.0% YoY
-74.2% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 11.9% in tier |
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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 (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.