Stock Growers Bank is a state-chartered bank headquartered in Forman, North Dakota, in business for about 126 years. At the end of Q2 2026 it reported $332.9M in total assets and $299.9M in deposits, with 6 offices.
Stock Growers Bank has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 90% of its 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 7th. Problem-loan coverage contributes the most (99/100, 0.3%); capital cushion contributes the least (66/100, 11.56%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (82 → 86), mostly because the earnings component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 78 |
| Q4 2024 | 77 |
| Q1 2025 | 79 |
| Q2 2025 | 82 |
| Q3 2025 | 79 |
| Q4 2025 | 80 |
| Q1 2026 | 79 |
| Q2 2026 | 86 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.52% |
| Q3 2024 | 10.70% |
| Q4 2024 | 10.79% |
| Q1 2025 | 10.69% |
| Q2 2025 | 11.13% |
| Q3 2025 | 11.72% |
| Q4 2025 | 11.76% |
| Q1 2026 | 11.11% |
| Q2 2026 | 11.56% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.02% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.03% |
| Q3 2025 | 0.59% |
| Q4 2025 | 0.35% |
| Q1 2026 | 0.52% |
| Q2 2026 | 0.05% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.01% |
| Q3 2024 | 0.95% |
| Q4 2024 | 0.84% |
| Q1 2025 | 1.10% |
| Q2 2025 | 1.30% |
| Q3 2025 | 1.34% |
| Q4 2025 | 1.22% |
| Q1 2026 | 1.47% |
| Q2 2026 | 1.63% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $332.9M | 11.56% | 0.05% | 1.63% | 57.1% |
| Q1 2026 | 79 | $334.8M | 11.11% | 0.52% | 1.47% | 53.4% |
| Q4 2025 | 80 | $331.9M | 11.76% | 0.35% | 1.22% | 52.6% |
| Q3 2025 | 79 | $316.1M | 11.72% | 0.59% | 1.34% | 53.9% |
| Q2 2025 | 82 | $318.5M | 11.13% | 0.03% | 1.30% | 55.4% |
| Q1 2025 | 79 | $327.3M | 10.69% | 0.02% | 1.10% | 51.2% |
| Q4 2024 | 77 | $331.3M | 10.79% | 0.02% | 0.84% | 50.9% |
| Q3 2024 | 78 | $315.8M | 10.70% | 0.02% | 0.95% | 52.1% |
| Q2 2024 | 78 | $319.2M | 10.52% | 0.00% | 1.01% | 52.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| TruCommunity BankBank Garrison, ND | 58 out of 100, Moderate | $338.2M | 11.1% | 2.18% | vs |
| Kirkwood Bank & Trust Co.Bank Bismarck, ND | 80 out of 100, Strong | $351.3M | 9.9% | 0.00% | vs |
| The Union BankBank Beulah, ND | 64 out of 100, Moderate | $312.2M | 10.1% | 1.38% | vs |
| Security First Bank of North DakotaBank New Salem, ND | 87 out of 100, Very strong | $293.2M | 13.0% | 0.00% | vs |
| Union State Bank of HazenBank Hazen, ND | 65 out of 100, Moderate | $257.4M | 9.0% | 0.88% | vs |
| Merchants BankBank Rugby, ND | 65 out of 100, Moderate | $254.3M | 10.6% | 1.25% | vs |
Deposit insurance
Is my money safe at Stock Growers Bank?
Yes. Stock Growers Bank is an FDIC-insured institution (FDIC certificate #8942). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.1% of deposits ($54.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.56%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
6 locations
Branches
Stock Growers Bank lists 5 offices in 5 cities. Most locations:
- Forman, ND (1)
- Gwinner, ND (1)
- Lisbon, ND (1)
- Milnor, ND (1)
- Napoleon, ND (1)
Identity & history
Profile
- Legal name
- Stock Growers Bank
- Former names
- Sargent County Bank; Havana State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 8942
- RSSD ID
- 992851
- Primary regulator
- FDIC
- Holding company
- Napoleon Bcorp Inc
- Established
- January 1, 1900
- Headquarters
- 331 Main St S, Forman, ND 58032
- Website
- www.stockgrowers.bank
- Employees
- 26
Quick answers
Stock Growers Bank: common questions
Is Stock Growers Bank FDIC insured?
Yes. Stock Growers Bank is an FDIC-insured institution (FDIC certificate #8942). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Stock Growers Bank's TellerScore?
86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Stock Growers Bank ever failed?
There is no failure record for FDIC certificate #8942 in the FDIC failed bank list.
How many branches does Stock Growers Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Forman
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Norstar Federal Credit UnionCredit union Britton, SD | 93 out of 100, Very strong | $78.6M | 15.3% | 0.09% | vs |
| First Savings BankBank Beresford, SD | 83 out of 100, Strong | $1.6B | 19.3% | 0.90% | vs |
| First Community Credit UnionCredit union Jamestown, ND | 71 out of 100, Strong | $1.5B | 12.3% | 0.61% | vs |