| Metric | Stock Growers Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.4% | +0.1 pts |
| Deposit growth (YoY) | +3.8% | +4.0% | -0.1 pts |
| Loan growth (YoY) | +7.1% | +5.6% | +1.5 pts |
| ROA | 1.63% | 1.24% | +0.4 pts |
| ROE | 18.9% | 11.9% | +7.1 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $332.9M | $299.9M | $171.3M | $29.7M | $2.7M | 1.63% | 3.05% | 0.03% |
| Q1 2026 | $334.8M | $304.6M | $162.6M | $26.8M | $1.2M | 1.47% | 2.92% | 0.26% |
| Q4 2025 | $331.9M | $299.5M | $157.6M | $29.3M | $4.0M | 1.22% | 2.82% | 0.17% |
| Q3 2025 | $316.1M | $283.7M | $152.8M | $27.5M | $3.3M | 1.34% | 2.82% | 0.28% |
| Q2 2025 | $318.5M | $288.8M | $159.9M | $22.9M | $2.1M | 1.30% | 2.78% | 0.02% |
| Q1 2025 | $327.3M | $303.1M | $155.2M | $20.1M | $904K | 1.10% | 2.65% | 0.01% |
| Q4 2024 | $331.3M | $306.6M | $156.1M | $20.3M | $2.7M | 0.84% | 2.47% | 0.01% |
| Q3 2024 | $315.8M | $281.8M | $146.9M | $23.8M | $2.3M | 0.95% | 2.47% | 0.01% |
Loan mix (Q2 2026): real estate $61.7M · commercial $12.0M · consumer $5.4M · securities $141.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Stock Growers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 1.24% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 18.9% | 11.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.4% | 62.9% | 8th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Stock Growers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Stock Growers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Stock Growers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Stock Growers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Stock Growers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
6 branches in 3 counties across 1 state (+0 vs 2025) · $299.9M branch deposits. Biggest market: Sargent, ND, ranked 1st with 81.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sargent, ND | 4 | $183.9M | 81.41% | 1st |
| Logan, ND | 1 | $81.4M | 53.12% | 1st |
| Ransom, ND | 1 | $34.5M | 12.48% | 3rd |
North Dakota: 33rd with 0.62% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 6
Technology spend in line with peers (18 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).