Peoples State Bank of Velva
Velva, ND · Cert 10250 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Beall Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$210.0MAssets
$152.6MLoans
$184.4MDeposits
$18.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 74% of banks under $1B in assets operating in a single state (rank 196 of 746).
- Widest gap: equity / assets trails 77% of banks under $1B in assets operating in a single state (rank 572 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.19%
Rank 301 of 746
Net Interest Margin
3.59%
Rank 405 of 746
Efficiency Ratio
56.80%
Rank 211 of 746
Equity / Assets
8.83%
Rank 572 of 746
Non-interest income vs. expense
Unfavorable gap of $4.1M · efficiency ratio beats 72% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.19% | 0.72% | 1.06% | 1.45% | Beats 60% | 301 / 746 | | |
| Return on Equity | 13.52% | 6.74% | 10.51% | 13.63% | Beats 74% | 196 / 746 | | |
| Net Interest Margin | 3.59% | 3.17% | 3.68% | 4.16% | Beats 46% | 405 / 746 | | |
| Efficiency Ratio | 56.80% | 55.74% | 64.58% | 75.47% | Beats 72% | 211 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.09% | 0.42% | 1.07% | Beats 74% | 192 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 58% | 312 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 12.27% | 11.55% | 13.75% | 17.60% | Beats 35% | 488 / 746 | | |
| Total Risk-Based Capital Ratio | 13.51% | 11.71% | 14.33% | 18.43% | Beats 42% | 433 / 746 | | |
| Equity / Assets | 8.83% | 8.90% | 10.51% | 13.06% | Beats 23% | 572 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.78% | 61.31% | 78.27% | 90.78% | 59th pctl | 303 / 746 | | |
| Loans / Assets | 72.69% | 53.60% | 66.97% | 76.08% | 65th pctl | 262 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |