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
Unfavorable gap of $4.4M · efficiency ratio beats 92% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.28% | 0.60% | 1.01% | 1.45% | Beats 66% | 213 / 629 | | |
| Return on Equity | 14.33% | 5.38% | 9.30% | 13.28% | Beats 81% | 121 / 629 | | |
| Net Interest Margin | 2.96% | 3.03% | 3.54% | 4.05% | Beats 23% | 486 / 629 | | |
| Efficiency Ratio | 47.23% | 58.35% | 67.79% | 79.08% | Beats 92% | 51 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.09% | 0.46% | 1.20% | Beats 80% | 119 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 62% | 222 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 11.56% | 11.24% | 13.84% | 18.77% | Beats 29% | 447 / 629 | | |
| Total Risk-Based Capital Ratio | 11.56% | 11.58% | 14.43% | 19.66% | Beats 25% | 474 / 629 | | |
| Equity / Assets | 8.93% | 9.09% | 10.65% | 13.80% | Beats 22% | 490 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 57.49% | 67.24% | 80.90% | 93.48% | 16th pctl | 500 / 594 | | |
| Loans / Assets | 51.79% | 53.31% | 67.71% | 78.15% | 23rd pctl | 484 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |