Stock Growers Bank: how it compares with its peers
Against 19 ND banks with half to twice its assets, Stock Growers Bank's strongest measure in Q2 2026 is efficiency ratio (44.37% vs. a 56.07% peer median). Its weakest relative measure is net interest margin (3.05% vs. 3.89%).
| Measure | Stock Growers Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.63% | 1.50% | Middle third Ahead of 58% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.05% | 3.89% | Bottom third Ahead of 11% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.37% | 56.07% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.8M | $7.7M | Top third Ahead of 95% of peers |
| Loans to deposits Net loans and leases over total deposits. | 57.13% | 81.75% | Context |
What it means for lending operations
Its efficiency ratio of 44.37% is better than the 56.07% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- TruCommunity Bank Garrison, ND · $338M
- Kirkwood Bank & Trust Co. Bismarck, ND · $351M
- The Union Bank Beulah, ND · $312M
- Security First Bank of North Dakota New Salem, ND · $293M
- Union State Bank of Hazen Hazen, ND · $257M
- Merchants Bank Rugby, ND · $254M
Questions about Stock Growers Bank
How big is Stock Growers Bank?
Stock Growers Bank, established in 1900, is headquartered in Forman, ND. It reported $333M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Stock Growers Bank's return on assets?
1.63% annualized in Q2 2026, against a 1.50% median for 19 ND banks with half to twice its assets, ahead of 58% of them.
What is Stock Growers Bank's efficiency ratio?
44.37% in Q2 2026: it spent about 44 cents in noninterest expense for each dollar of revenue. The peer median is 56.07%, and lower is better.
Is Stock Growers Bank growing its loans?
Net loans grew 7.1% over the year to Q2 2026, while deposits grew 3.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are ND banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every North Dakota bank ranked.