PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $5.2MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $241.8M19%Noninterest $58.1MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.67%0.86%1.02%1.06%0.96%1.16%1.28%+26 bps
Return on Equity11.42%10.30%14.12%15.77%15.06%12.98%13.72%14.88%-89 bps
Net Interest Margin2.41%2.40%2.64%2.74%2.81%2.77%2.84%2.96%+22 bps
Efficiency Ratio58.96%63.22%53.95%49.82%49.20%52.85%47.71%44.37%-545 bps
Non-Interest Burden1.45%1.55%1.44%1.38%1.40%1.48%1.36%1.33%-6 bps
Growth
Asset Growth (YoY)-0.45%2.33%2.25%-0.21%0.08%0.19%2.29%4.50%+472 bps
Loan Growth (YoY)2.05%7.43%5.64%5.31%4.01%1.01%4.76%7.12%+181 bps
Deposit Growth (YoY)0.72%1.87%2.01%-0.43%0.65%-2.33%0.48%3.82%+425 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.02%0.02%0.03%0.59%0.35%0.52%0.05%+2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.01%0.01%-0.01%0.00%0 bps
Allowance / Loans0.68%0.64%0.64%0.63%0.64%0.69%0.67%0.63%+1 bps
Allowance Coverage of NPLs41.9x41.9x38.7x18.0x1.1x2.0x1.3x12.7x-5.3x
Capital
Tier 1 Leverage Ratio10.70%10.79%10.69%11.13%11.72%11.76%11.11%11.56%+42 bps
Total Risk-Based Capital10.70%10.79%10.69%11.13%11.72%11.76%11.11%11.56%+42 bps
Equity / Assets7.53%6.12%6.13%7.19%8.71%8.84%8.01%8.93%+174 bps
Liquidity & Funding
Loans / Deposits52.48%51.24%51.53%55.72%54.23%52.99%53.73%57.50%+177 bps
Liquid Assets / Assets0.71%5.03%4.96%1.14%2.00%5.50%5.86%2.96%+182 bps
CRE / Total Capitaln/an/an/an/a22.78%21.74%22.01%n/an/a