# STOCK GROWERS BANK NAPOLEON, ND · FDIC certificate 15440 · asset band <$300M · latest filing 2020-06 · stopped filing (departed) **Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster). ## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses) | Measure | Value | Band median | |---|---|---| | Total assets | $67.6M | | | Deposits | $60.2M | | | Loans and leases | $35.8M | | | Total equity | $7.3M | | | Loans / deposits | 58.92% (p27 of band) | 73.75% | | Liquid assets / assets | 45.95% (p74 of band) | | | Uninsured deposits / deposits | 20.95% (p65 of band) | 17.11% | | Brokered deposits | 0.00% | | | Wholesale funding | 0.00% (p20 of band) | | | FHLB advances / assets | 0.00% | | | Tier 1 leverage | 9.63% (p29 of band) | 10.95% | | Unrealized securities loss / equity | 11.75% (p95 of band) | 2.60% | | AOCI / equity | 4.95% (p88 of band) | | | ROA (annualized) | 1.75% (p86 of band) | 0.97% | | Net interest margin | 3.44% (p40 of band) | 3.63% | | Efficiency ratio | 48.05% (p7 of band) | | | Noncurrent loans | 0.00% (p8 of band) | 0.52% | | Net charge-offs (annualized) | 0.02% (p68 of band) | | | Reserve coverage of noncurrent | – | | | Real estate % of loans | 37% | | | Construction % of loans | 0.00% (p8 of band) | | | Auto loans | $854,000 (2.39% of loans; DQ 0.00%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | 13.4% | | | Employees | 9 | | ## Flags firing in the latest filing - none ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 0 | | | | 2011-06 | 0 | | | | 2011-09 | 0 | | | | 2011-12 | 0 | | | | 2012-03 | 1 | capital falling | | | 2012-06 | 0 | | capital falling | | 2012-09 | 0 | | | | 2012-12 | 0 | | | | 2013-03 | 1 | capital falling | | | 2013-06 | 0 | | capital falling | | 2013-09 | 0 | | | | 2013-12 | 0 | | | | 2014-03 | 1 | capital falling | | | 2014-06 | 0 | | capital falling | | 2014-09 | 0 | | | | 2014-12 | 0 | | | | 2015-03 | 0 | | | | 2015-06 | 0 | | | | 2015-09 | 1 | reserve under noncurrent | | | 2015-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent | | 2016-03 | 1 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving | | 2016-06 | 0 | | capital falling | | 2016-09 | 0 | | | | 2016-12 | 0 | | | | 2017-03 | 1 | capital falling | | | 2017-06 | 0 | | capital falling | | 2017-09 | 0 | | | | 2017-12 | 0 | | | | 2018-03 | 0 | | | | 2018-06 | 0 | | | | 2018-09 | 0 | | | | 2018-12 | 0 | | | | 2019-03 | 1 | capital falling | | | 2019-06 | 0 | | capital falling | | 2019-09 | 0 | | | | 2019-12 | 0 | | | | 2020-03 | 1 | capital falling | | | 2020-06 | 0 | | capital falling | ## In the news (Google News, unfiltered, newest first; check the city) - 2021-06-16 [Obituary for MAXINE DORTHY (BURZLAFF) SHERWOOD - Gorman Funeral Homes](https://news.google.com/rss/articles/CBMiXkFVX3lxTE15dWlDT0ZFYlFxVjZSbXUtVmRXVUNxdzM2THVrQTE4QklYQ25IcGt1RTdoZjlkOWN0VEh4M3ZUNzhxQUMwdW9uTXhTLW5SZ3hiN0ZaVTJZV3JyejRRaFE?oc=5) · Gorman Funeral Homes - 2020-08-05 [Viola Steiner Obituary Aug 5, 2020 - Weigel Funeral and Cremation Service](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1IUXRaQ0NQWHVsVllNS1JrVWVFWEdDeFIwUmVFa2Y5NmEzeUN1N0hFZFBYWjF3YUtGbGJBSlRzOGdWaXdnWE5KTjhaY1ZrSzRqeWxjcWE2SFJ1dm9RWGhsU1prTzg?oc=5) · Weigel Funeral and Cremation Service - 2022-04-04 [Joanne Glatt Obituary Apr 4, 2022 - Feist Funeral Homes](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5EVHN2R29ycWlTazdydU9kOENxRmRUUUVLMmVfRXU5UDFEUFRXZHNVMzVLRldabjZ5a1RwRVZoQ25qdzBTbjA5ZjhRcFdOaDR6c01nU0xfRlFqaFhRUG01WEhPWno?oc=5) · Feist Funeral Homes - 2019-09-17 [Blockbuster Wyoming Discovery - Numismatic News](https://news.google.com/rss/articles/CBMifEFVX3lxTE1oeVduQ0RvZTVlb1dvdzJYUTc4ZVRtZDVzNnFGbnFyZGhMU09VZHBKRVBfbU9TSmdPYmdPakVMZHkwclRydFdTOVRIendWMjVYd1czVE9rMWROWG9PQUd3LXp0MVgzLTl0czU5N1lVWVB5STFZck9oMzJVaHM?oc=5) · Numismatic News - 2011-09-06 [Mary Herman Obituary Sep 6, 2011 - Schrader, Aragon & Jacoby Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9aYU5RNDN4Z3lLMzNHam9ObDVzbHJqMTVQVXpEUm1uVG45Q3VKOTNhWnE5OFZxSENfQ2VQbGZBOGJibkJRaDVmUUVkSkRBMFN5cTRLalpXYkJZZC1EQjhORE13?oc=5) · Schrader, Aragon & Jacoby Funeral Home - 2015-07-22 [Banker named in vandalism at ND food processing plant - Agweek](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOUGVxdmRCYXVhcEQ0WmhRaTVZT09tQzJ0ZU1jSkFhTEd6YlVNQnNzcWhLR3Z3SkRlazV3a0dJTFQybzBRTF9kS3doM3RiS0lmLVVQZWZHcjBXd1o1dGVFOEt4dmswSEJDYUo3S3JWdFpoSnhpSkJTNmY3YXlwVWVERjZDRGdKci05?oc=5) · Agweek - 2025-07-31 [Marcella Schneider Obituary (2025) - Napoleon, ND - Feist Funeral Home - Napoleon - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPLWJIX0ZUWVl1Tm1zZ19aNl9uNTFDeVVnRmdCNW5rWGdFeTgxUERSVTRNVERmaUJLTWFMSUwxYzNPYlVINnp1RjBfRkd4emlxR3F4Qm4zam9yNUZVYUZkdFlrNEZ4TGhrVWpmMDhoc0xYcXZaZWg0U1ZHaktlVW5Oc19IMi1EQ1A2?oc=5) · legacy.com - 2025-09-20 [Janice Carlson Obituary - Thornton, CO - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxNN0FYbUJxT3J6ZmJSUFRRQTZSLWxjUkVtNG5tYnlYcXAzXzdYMWFJTlFUZGk0YUVmQXd5a0xWQ3FSTGRFbnQ2NUxlS01BNTdxdXhqYlc3ZTR0a01SbnJXUVAwT3VfdldUZ05uVTFUbXc3Yjl5bmY3YUJ2LVJKTGFwZlVfT3Y?oc=5) · Dignity Memorial ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=15440 (click any number for its formula and FFIEC field codes) - Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/16.json (key "15440", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags) - Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary - Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide