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Stock Growers Bank

Forman, ND · Cert 8942 · Napoleon Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

25

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

28

Q2 2024Q2 2026peer median

Efficiency

92

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Stock Growers Bank

Forman, ND · Cert 8942 · Napoleon Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$332.9MAssets
$172.4MLoans
$299.9MDeposits
$29.7MEquity
Loan mix
78%RE $57.5M15%C&I $11.1M7%Consumer $5.2MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $241.8M19%Noninterest $58.1MQ2 2025Q2 2026

NIM

4.14%Q2 ’244.48%Q2 ’254.47%Q2 ’26+12%+8%

Non-interest income vs. expense

1.57%Q2 ’241.53%Q2 ’251.46%Q2 ’26-2%-4%

Executive Summary

  • Earnings: ROA of 1.28%, up 26 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.05% of loans (+2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.56%, up 42 bps from a year ago.
  • Funding: loans stand at 57.50% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.28%+26 bps YoY

Net Interest Margin (YTD, annualized)

2.96%+22 bps YoY

Efficiency Ratio (YTD, annualized)

44.37%-545 bps YoY

Tier 1 Leverage Ratio

11.56%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.06%0.96%1.16%1.28%+26 bps
Return on Equity15.77%15.06%12.98%13.72%14.88%-89 bps
Net Interest Margin2.74%2.81%2.77%2.84%2.96%+22 bps
Efficiency Ratio49.82%49.20%52.85%47.71%44.37%-545 bps
Non-Interest Burden1.38%1.40%1.48%1.36%1.33%-6 bps
Growth
Asset Growth (YoY)-0.21%0.08%0.19%2.29%4.50%+472 bps
Loan Growth (YoY)5.31%4.01%1.01%4.76%7.12%+181 bps
Deposit Growth (YoY)-0.43%0.65%-2.33%0.48%3.82%+425 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.59%0.35%0.52%0.05%+2 bps
Net Charge-Offs / Loans0.00%0.01%0.01%-0.01%0.00%0 bps
Allowance / Loans0.63%0.64%0.69%0.67%0.63%+1 bps
Allowance Coverage of NPLs18.0x1.1x2.0x1.3x12.7x-5.3x
Capital
Tier 1 Leverage Ratio11.13%11.72%11.76%11.11%11.56%+42 bps
Total Risk-Based Capital11.13%11.72%11.76%11.11%11.56%+42 bps
Equity / Assets7.19%8.71%8.84%8.01%8.93%+174 bps
Liquidity & Funding
Loans / Deposits55.72%54.23%52.99%53.73%57.50%+177 bps
Liquid Assets / Assets1.14%2.00%5.50%5.86%2.96%+182 bps
CRE / Total Capitaln/a22.78%21.74%22.01%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Stock Growers Bank

Forman, ND · Cert 8942 · Peer group: banks under $1B in assets (n=581-629) · Napoleon Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$332.9MAssets
$172.4MLoans
$299.9MDeposits
$29.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 92% of banks under $1B in assets (rank 51 of 629).
  • Widest gap: equity / assets trails 78% of banks under $1B in assets (rank 490 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.28%

Rank 213 of 629

Net Interest Margin

2.96%

Rank 486 of 629

Efficiency Ratio

47.23%

Rank 51 of 629

Equity / Assets

8.93%

Rank 490 of 629

Non-interest income vs. expense

$0.4M$4.9MINCOMEEXPENSE
Unfavorable gap of $4.4M · efficiency ratio beats 92% of banks under $1B in assets
Bank 47.23%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.28%0.60%1.01%1.45%Beats 66%213 / 629
Return on Equity14.33%5.38%9.30%13.28%Beats 81%121 / 629
Net Interest Margin2.96%3.03%3.54%4.05%Beats 23%486 / 629
Efficiency Ratio47.23%58.35%67.79%79.08%Beats 92%51 / 629
Asset Quality
Nonperforming Loans / Loans0.05%0.09%0.46%1.20%Beats 80%119 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 62%222 / 581
Capital
Tier 1 Capital Ratio11.56%11.24%13.84%18.77%Beats 29%447 / 629
Total Risk-Based Capital Ratio11.56%11.58%14.43%19.66%Beats 25%474 / 629
Equity / Assets8.93%9.09%10.65%13.80%Beats 22%490 / 629
Liquidity & Funding
Loans / Deposits57.49%67.24%80.90%93.48%16th pctl500 / 594
Loans / Assets51.79%53.31%67.71%78.15%23rd pctl484 / 629
Brokered Deposits / Depositsn/aNot reported for this institution